PENGARUH TINGKAT INFLASI, NILAI TUKAR, DAN SUKU BUNGA TERHADAP MARGIN BAGI HASIL DEPOSITO MUDHARABAH

Abstract

This research aimed to examine the effect of inflation level, exchange and iterest rate on the profit-sharing margin of mudharabah deposits. While, inflation level, exchange and interest rate were the independent variables and mudharabah deposits was as the dependent variable. Moreover, the research was quantitative. Furthermore, the research was secondary and time series which in the form of financial statement of Syaria General bank; of which listen on Bank of Indonesia. In line with, there were 11 syaria, as sample, which were listen on Bank of Indonesia 2014-2018 s. Meanwhile, the data analysis technique used multiple linier regression. From this analysis, the significance test had affected the inflation, exchange and interest rates on the profit-sharing margin of mudharabah deposits. In addition, the research result concluded as follows: (a) inflation level had positive effect on the profit sharing margin of mudharabah deposits. It meant, according to customers, there was fluctuations in inflation rate which could affect the profit-sharing margin of mudharabah deposits. (b) Exchange rates had positive effect on the profit sharing margin of mudharabah deposits. This happened as customers believed that the fluctuation in exchange rates had affected the profit-sharing margin of mudharabah deposits. (c) Interest rates had negative effect on the profit-sharing margin of mudharabah deposits. It was caused as there was customers belief on the interest rate which was in contrary to their region faith.
Keywords: profit-sharing margin of mudharabah deposits, exchange rate, inflation level, interest rates