Islamic bank products to raise public funds can be in the form of demand deposits (wadiah), savings (mudharabah), and deposits (mudharabah). One of the profit-sharing rates in Islamic banks comes from internal factors, namely Return on Assets, Capital Adequacy Ratio, Financing to Deposit Ratio, and Operational Expenses Operating Costs. This study will examine the effect of bank internal factors on mudharabah deposits of Islamic commercial banks using an econometric model, namely the error correction model. Findings. The results showed that the bank's internal variables had a significant effect on mudharabah deposits both in the short and long term. Variables Return on Assets, Capital Adequacy Ratio, and Operational Expenses Operational costs both short and long term have a negative effect on mudharabah deposits.
Sebagai lembaga perantara, bank syariah menghimpun dana dari masyarakat dan kemudian menyalurkan dalam bentuk pembiayaan. Dalam praktiknya, penyaluran pembiayaan yang menjadi ciri utama yang dijalankan bank syariah ternyata tidak semudah dengan teori yang ada. Penelitian ini akan membahas pengaruh jangka pendek dan jangka Panjang dari Inflasi, Pembiayaan Bermasalah dan Financing to Deposit Ratio terhadap Deposito pada perbankan Syariah di Indonesia. Penelitian ini menggunakan Error Correction Model dengan data time series bulanan mulai dari tahun 2019-2020. Hasil penelitian menunjukkan bahwa dalam jangka panjang hanya pembiayaan bermasalah yang berpengaruh signifikan terhadap deposito perbankan Syariah di Indonesia. Sedangkan dalam jangka pendek, variabel inflasi dan pembiayaan bermasalah berpengaruh signifikan terhadap deposito perbankan Syariah di Indonesia dan Financing to Deposit Ratio tidak berpengaruh signifikan.
The problem of poverty is still an important issue in Indonesia. The Indonesian government has made various efforts to tackle the problem of poverty, one of which is through the Family Hope Program (PKH), which is a cluster of policies based on social assistance and protection in the form of meeting the basic needs of health and education for poor individuals and households . The hope is that with quality health and education, it will break the chain of poverty. In its implementation, PKH does not escape various problems , starting from the input aspect to the output aspect . Thus, this study aims to see the effectiveness of PKH in terms of program input, process, and output aspects. This research is a type of quantitative descriptive research with a questionnaire instrument guided by the researcher. The data analysis technique uses a scoring questionnaire which is then compared with the ideal criteria that have been set in PKH. m The results showed that PKH was effective from the input aspect , process aspect and output aspect in the education sector . However, PKH has not been effective in terms of output in the health sector on several indicators. In addition, PKH has implications for the economic aspect in the form of increasing labor productivity through improving the quality of human resources by increasing the percentage of students who continue to junior high and high school levels. During the 6 (year) program, there was an increase in education participation from SD to SMP by 20% and participation from SMP to SMA levels by 19%.
Islamic banks collect funds from the public and then send them for financing as an intermediary institution. In practice, the distribution of financing, which is the main characteristic of Islamic banks, is not as easy as the existing theory. This study will discuss the short-term and long-term effects of inflation, financing, and financing problems on deposit ratios in Indonesia's Islamic banking deposits. This study uses an Error Correction Model with monthly time series data starting from 2019-2020. The results show that all variables significantly affect deposits in Islamic banking in Indonesia in the long run. Meanwhile, in the short term, the inflation and financing variables significantly affect Islamic banking deposits in Indonesia, and the Financing to Deposit Ratio has no significant effect.
Penelitian ini bertujuan untuk menganalisis sejauh mana pandemi Covid-19 berdampak pada pembiayaan bagi hasil mudharabah perbankan Syariah di Indonesia saat menghadapi pandemi Covid-19. Penelitian ini merupakan penelitian kuantitatif dengan uji sampel berpasangan (uji paired sample t test). Uji paired sample t test dipilih karena peneliti ingin mengetahui apakah terhadap perbedaan yang nyata tentang bagi hasil mudharabah perbankan Syariah di Indonesia antara sebelum dan saat pandemi, dengan data yang bersumber dari Statistik Perbankan Syariah (SPS) yang dirilis oleh Otoritas Jasa Keuangan (OJK) tahun 2019 dan 2020. Hasil penelitian menunjukkan bahwa nilai sig. (2-tailed) dalam tabel output SPSS Paired Sample T-test adalah 0.0000 kurang dari nilai alpha yang digunakan (0,05) sehingga dapat dikatakan ada pengaruh yang signifikan antara dana bagi hasil mudharabah perbankan Syariah Indonesia sebelum dan saat pandemi Covid 19 melanda.
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