Factors That Affect Savings In Islamic Banking

Putri Cahya Rosyadah*  -  Universitas Airlangga, Indonesia
Nur Rachmat Arifin  -  Universitas Airlangga, Indonesia
Ridan Muhtadi  -  STAI Miftahul Ulum Pamekasan, Indonesia
Mohamad Safik  -  STAI Miftahul Ulum Pamekasan, Indonesia

(*) Corresponding Author
DOI: 10.21580/al-arbah.2020.2.1.5499

Abstract

Purpose - The purpose of this study is to examine the effect of macroeconomic variables on the amount of savings in Islamic banks in Indonesia.

Method - This study use quantitative research type using secondary data using OLS (ordinary least square) analysis which aims to examine the independent variable on the dependent variable.

Result - The results of this study indicate that inflation and exchange rate variables do not affect the amount of savings, M2 variable has a positive and significant effect on the amount of savings. While the SBI  variable has a negative and significant effect on the amount of savings.

Implication - This study uses the data from Central bank of Indonesia

Originality - This study uses several macroeconomic variables that are used to test its effect on the amount of savings in Islamic banking. By using secondary data taken from official government institutions for several years. The results show that macroeconomic variables greatly affect the customer's decision to save in Islamic banking.

Keywords: inflation; M2; exchange rate; interest rate financing.

  1. Adim, Muhammad Abdul, Raditya,2016, Pengaruh Kebijakan Monter Dan Makro Terhadap Dana Pihak Ketiga Bank Syariah Di Indonesia,Jurnal ekonomi Syairah dan Terapan Vol 4No 8
  2. Siamat, Dahlan. 2005 “ Manajemen Lembaga Keuangan “ Jakarta: FEUI
  3. Partadiredja, Ace. 1985. Pengantar Ekonomika. Yogyakarta : BPFE-Yogyakarta
  4. Panorama,maya 2016, pengaruh pertumbuhan ekonomi, inflasi, Jumlah uang beredar dan BI rate terhadap Tabungan mudharabah Bank Syariah,Jurnal I economic Juli 2016
  5. Muhammad Nur Rianto. Dasar-Dasar Ekonomi Islam “Era Adicitra Intermedia Solo 2011 hal. 28 Antonio, Muhammad Syafi‟i. 2001. Bank Syariah: Dari Teori Ke Praktik. Jakarta: Gema Insani
  6. Manurung, Mandala. 2004. Uang, Perbankan, dan Ekonomi Moneter. Jakarta : FE- Universitas Indonesia
  7. Sofyan, Muhammad. 2011 “ Analisis Pengaruh Pendapatan Perkapita, Tingkat Suku Bunga, Jumlah Uang Beredar ( M2 ), dan Inflasi Terhadap Jumlah Tabungan Di Indonesia “. Jakarta : UIN Syarif Hidayatullah Jakarta
  8. Athukorala,P-C and Sen,K (2003) “Determinant of private saving in India “, World Development, Vol. 32 No.3 pp. 491-503
  9. Loayza,Nand Shankar,R.(2000) ”Private saving in India”, The World Bank Economic Review Vol,14 No.3 pp 571-94.
  10. Julianti, Friska. 2013 “ Analisis Penmgaruh Tingkat inflasi, nilai tukar, BI-rate Terhadap Tabungan Mudharabah Pada Perbankan Syariah". Jakarta : UIN syarif Hidayatullah Jakarta.
  11. Haron , Sudin dan Wan Nursofinza Wan Azmi ,2015, “ Determinant of Islamic and Conventional Deposit in the Malaysian Banking System”Managerial Finance, Vol 34 No 9 Emeral Group Publishing.
  12. Nopirin. 1989. Ekonomi Moneter. Yogyakarta: BPFE-Yogyakarta.
  13. Pohan, Aulia 2008, Potret Kebijakan Moneter Indonesia. Jakarta : Rajawali Pers, RajaGrafindo Persada.
  14. Karim, Adiwarman A. 2008. Ekonomi Makro Islam. Jakarta : Rajawali Pers.
  15. Rianto, Muhammad Nur, 2011. Dasar-Dasar Ekonomi Islam. Solo : Era Adicitra Intermedia.
  16. Hadzmi, Muhammad Ihsan. 2011 “ Analisis Pengaruh Nisbah Bagi Hasil dan Nilai Tukar Rupiah Terhadap Tabungan Mudharabah Pada Perbankan Syariah Di Indonesia”. Jakarta: UIN syarif Hidayatullah Jakarta.
  17. Sudarsono, Heri. 2009 “ Dampak Krisis Keangan Global Terhadap Perbankan Indonesia Perbandingan antara Bank Konvensional dan Bank Syariah”. Volume III, No. 1, Juli 2009. FE-Universitas Islam Indonesia. Yogyakarta.
  18. Sukirno, Sandono. 2004 “ Teori Pengantar Makro Ekonomi „‟. Jakarta: Raja.
  19. Deliarnov,2016, Ilmu Pengetahuan Sosial Ekonomi, PT Gelora Aksara Pratama.
  20. Mutteaqien, Abida, 2013, Analisis Pengaruh PDB, Inflasi, Tingkat Bunga dan Nilai Tukar terhadap Dana Pihak Ketiga Bank Syariah.
  21. Qin, D (2003) “Determinant of household saving in China and their role in Qquasi-money supply “ Economic of Transition. Vol 11No3,pp 513-37.
  22. Rudiansyah, Afif, 2014, Pengaruh Inflasi, BU rate, PDB dan nilai tukar Rupiah terhadap simpanan mudharabah pada Bak syariah di Indoensia.

Open Access Copyright (c) 2020 Putri Cahya Rosyadah, Nur Rachmat Arifin, Ridan Muhtadi, Mohamad Safik
Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Al-Arbah: Journal of Islamic Finance and Banking
Published by Department of Sharia Banking, Faculty of Islamic Economics and Business, UIN Walisongo Semarang, Indonesia
Jl Prof. Dr. Hamka Kampus III Ngaliyan Semarang 50185
Phone: +62 852-3660-5533
Website: https://febi.walisongo.ac.id/
Email: alarbah@walisongo.ac.id

ISSN: 2716-3946 (Print)
ISSN: 2716-2575 (Online)

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License

 
apps