Studi Komparatif Antara Sistem Bagi Hasil Dan Sistem Bunga Terhadap Peningkatan Loyalitas Nasabah Dalam Dunia Perbankan
DOI:
https://doi.org/10.30651/jms.v5i2.5307Abstract
Penelitian bertujuan untuk membandingkan persamaan dan perbedaan antara sistem bagi hasil dan bunga terhadap peningkatan loyalitas nasabah dalam dunia Perbankan. Sumber penelitian ini adalah data studi pustaka bagi hasi dan bunga dalam Perbankan. Penelitian ini bertujuan untuk mengetahui dan menjelaskan bagaimana pengaruh Tingkat Bagi Hasil
Deposito Bank Syariah dan Tingkat Suku Bunga Deposito Bank Umum secara bersama-sama dan parsial
terhadap Jumlah Simpanan Deposito Mudharabah yang ada di bank syariah. Metode penelitian yang
digunakan adalah eksplanatory research. Objek penelitian yang digunakan dalam penelitian ini adalah PT.
Bank Syariah Mandiri dengan menggunakan data sekunder berupa laporan publikasi keuangan triwulanan
yang dimulai dari triwulan I tahun 2009 sampai dengan triwulan IV tahun 2012. Hasil penelitian
menunjukkan bahwa variabel Tingkat Bagi Hasil Deposito Bank Syariah dan Tingkat Suku Bunga Deposito
Bank Umum secara bersama-sama berpengaruh terhadap Jumlah Simpanan Deposito Mudharabah, hal
tersebut dapat dilihat dari nilai signifikansi sebesar 0,000. Sedangkan secara parsial diketahui hanya variabel
Tingkat Bagi Hasil Deposito Bank Syariah yang berpengaruh secara signifikan terhadap Jumlah Simpanan
Deposito Mudharabah, hal tersebut dapat dilihat dari nilai signifikansi yang sebesar 0,000. Pengujian ini
dilakukan dengan tingkat signifikansi a = 0,05.
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