FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN DAN PENAWARAN PEMBIAYAAN MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA

AKBAR, KURNIA and Suhel, Suhel and Ahmad Syathiri, Ahmad Syathiri (2022) FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN DAN PENAWARAN PEMBIAYAAN MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA. Master thesis, Sriwijaya University.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh variabel Yield Rate (YR), Capita per income (IPC), Inflasi (CPI), Jumlah Anjungan Tunai Mandiri (ATM), Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), dan Tenaga Kerja (L) terhadap Permintaan dan Penawaran Pembiayaan Mudharabah pada Bank Umum Syariah (BUS) di Indonesia. Metode yang digunakan dalam menganalisis data adalah Two Stage Least Square (TSLS). Hasil penelitian ini menunjukkan bahwa variabel IPC berhubungan negatif signifikan terhadap permintaan pembiayaan mudharabah, variabel CPI berhubungan positif signifikan terhadap permintaan pembiayaan mudharabah, sedangkan variabel YR dan ATM tidak berpengaruh signifikan terhadap Permintaan. untuk pembiayaan mudharabah. Di lain pihak variabel YR berhubungan positif signifikan terhadap penawarn pembiayaan mudharabah, variabel DPK dan NPF berhubungan negatif signifikan terhadap penawaran pembiayaan mudharabah, sedangkan variabel L tidak berpengaruh signifikan terhadap penawaran pembiayaan mudharabah. Kata Kunci : Layanan Bank; Permintaan Mudharabah; Keseimbangan; Kapita per pendapatan; Inflasi; Tenaga kerja; Pembiayaan Bermasalah; Pengadaan Mudharabah; Dana pihak ketiga; Efek Tak Berbalas; Tingkat Hasil. ABSTRACT This study aims to analyze the effect of the variable Yield Rate (YR), Capita per income (IPC), Inflation (CPI), Amount of Automated Teller Machines (ATM), Third Party Funds (TPF), Non-Performing Financing (NPF), and Labor (L) to Demand and Supply of Mudharabah Financing at Sharia Commercial Banks (SCB) in Indonesia. The method used in analyzing the data is Two Stage Least Square (TSLS). The results of this study indicate that the variable IPC has a significant negative effect on the demand for mudharabah financing, the variable CPI has a significant positive effect on the demand for mudharabah financing, while the variable YR and ATM have no significant effect on the Demand for mudharabah financing. On the other hand, the variable YR has a significant positive effect on the supply of mudharabah financing, the variable TPF and NPF has a significant negative effect on the supply mudharabah financing, while the variable L have no significant effect on the supply of mudharabah financing. Key words : Bank’s Service; Demand for Mudharabah; Equilibrium; Capita per income; Inflation; Labor; Non-Performing Financing; Supply of Mudharabah; Third Party Funds; Unrequited Effect; Yield Rate.

Item Type:	Thesis (Master)
Uncontrolled Keywords:	Layanan Bank; Permintaan Mudharabah; Keseimbangan; Kapita per pendapatan; Inflasi; Tenaga kerja; Pembiayaan Bermasalah; Pengadaan Mudharabah; Dana pihak ketiga; Efek Tak Berbalas; Tingkat Hasil.
Subjects:	H Social Sciences > HB Economic Theory > HB1-3840 Economic theory. Demography H Social Sciences > HB Economic Theory > HB135-147 Mathematical economics. Quantitative methods Including econometrics, input-output analysis, game theory H Social Sciences > HB Economic Theory > HB201-206 Value. Utility H Social Sciences > HB Economic Theory > HB221-236 Price H Social Sciences > HB Economic Theory > HB238-251 Competition. Production. Wealth H Social Sciences > HB Economic Theory > HB3711-3840 Business cycles. Economic fluctuations H Social Sciences > HB Economic Theory > HB501 Capital. Capitalism H Social Sciences > HB Economic Theory > HB522-715 Income. Factor shares H Social Sciences > HB Economic Theory > HB535-551 Interest H Social Sciences > HB Economic Theory > HB601 Profit H Social Sciences > HB Economic Theory > HB615-715 Entrepreneurship. Risk and uncertainty. Property H Social Sciences > HB Economic Theory > HB71-74 Economics as a science. Relation to other subjects H Social Sciences > HB Economic Theory > HB801-843 Consumption. Demand H Social Sciences > HB Economic Theory > HB846-846.8 Welfare theory H Social Sciences > HG Finance > HG1-9999 Finance H Social Sciences > HG Finance > HG1501-3550 Banking H Social Sciences > HG Finance > HG1621-1638 Interest rates. Interest tables H Social Sciences > HG Finance > HG1641-1643 Bank loans. Bank credit. Commercial loans H Social Sciences > HG Finance > HG1656 Bank reserves. Bank liquidity. Loan loss reserves H Social Sciences > HG Finance > HG1660 Bank accounts. Bank deposits. Deposit banking H Social Sciences > HG Finance > HG178 Liquidity H Social Sciences > HG Finance > HG179 Personal finance H Social Sciences > HG Finance > HG201-1496 Money H Social Sciences > HG Finance > HG3691-3769 Credit. Debt. Loans Including credit institutions, credit instruments, consumer credit, bank- ruptcy H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance. Corporation finance H Social Sciences > HG Finance > HG4501-6051 Investment, capital formation, speculation H Social Sciences > HG Finance > HG4530 Investment companies. Investment trusts. Mutual funds H Social Sciences > HG Finance > HG6001-6051 Speculation H Social Sciences > HJ Public Finance > HJ2005-2216 Income and expenditure. Budget
Divisions:	01-Faculty of Economics > 60101-Economics (S2)
Depositing User:	Kurnia Akbar
Date Deposited:	03 Aug 2022 07:01
Last Modified:	03 Aug 2022 07:02
URI:	http://repository.unsri.ac.id/id/eprint/69760

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