PENGARUH DANA PIHAK KETIGA DAN TINGKAT BAGI HASIL TERHADAP PEMBIAYAAN MUDHARABAH PADA BRI SYARIAH CABANG SURABAYA GUBENG PERIODE 2013-2015.

PENGARUH DANA PIHAK KETIGA DAN TINGKAT BAGI HASIL
TERHADAP JUMLAH PEMBIAYAAN MUDHARABAH
(Studi Kasus Bank BRI Syariah Cabang Surabaya Gubeng Periode 2013-2015)
SKRIPSI

Oleh:
MEDY TAMA PRIHARTADI
NIM C04211094

UNIVERSITAS ISLAM NEGERI SUNAN AMPEL
FAKULTAS EKONOMI DAN BISNIS ISLAM
PRODI EKONOMI SYARIAH
SURABAYA

2016

PENGARUH JUMLAH DANA PIHAK KETIGA DAN TINGKAT BAGI HASIL
TERHADAP JUMLAH PEMBIAYAAN MUDHARABAH
(Studi kasus di PT. BRI Syariah Cabang Surabaya Gubeng Periode 2013-2015)

SKRIPSI

Diajukan Kepada
Universitas Islam Negeri Sunan Ampel Surabaya
Untuk Memenuhi Salah Satu Persyaratan
Dalam Menyelesaikan Program Sarjana Strata Satu
Program Studi Ekonomi Syariah

Oleh
MEDY TAMA PRIHARTADI
NIM. C04211094

Universitas Islam Negeri Sunan Ampel Surabaya
Fakultas Ekonomi dan Bisnis Islam
Jurusan Ekonomi dan Bisnis Islam
Program Studi Ekonomi Syariah
Surabaya

2016

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ABSTRACT
This study entitled “The Effect of Depositor Funds and Profit Sharing Rate
on The Amount of Mudharabah Financing (Case Study in PT. BRI Syariah
Branch Surabaya Gubeng Period 2013-2015) is a study which aims to find out and
analyze the effect of depositor funds and profit sharing rate on the amount of
Mudharabah financing in PT. BRI Syariah Branch Surabaya Gubeng.
This study uses quantitative approach with associative research method
which means a study that aims to find out the effect of independent variable on
dependent variable. The researcher analyzes the extent of association between
depositor funds and profit sharing rate on the amount of mudharabah financing
partially. The data used in this research have been available in Bank BRI Syariah
Branch Surabaya Gubeng. The data analysis technique used in this study is simple
linear regression.

The result of this study shows that: (1) depositor funds do not affect the
amount of mudharabah financing. This is because the simple linear regression
analysis shows a negative result (-0.092 atau -9.2%), besides, in hypothesis testing
the value of t-count is smaller than t-table (t-count = -1.825 < t-table = 2.0345).
Therefore Ho is accepted. It means there is no relationship between depositor
funds and the amount of mudharabah financing. (2) Profit sharing rate positively
and significantly affect the amount of mudharabah financing. The simple linear
regression analysis shows that profit sharing rate can predict 17,1% of the
variance in the amount of mudharabah financing. Besides, based on the
hypothesis testing value of t-count is bigger than t-table (t-count = 2.606 > t-table
= 2.0345). Therefore Ho is rejected. It means there is a relationship between profit
sharing rate and the amount of mudharabah financing
Therefore, it can be concluded that the amount of mudharabah financing
in PT. BRI Syariah Branch Surabaya Gubeng is only affected by profit sharing
rate. Yet, Bank BRI Syariah Branch Surabaya Gubeng should be more careful in
allocating the funds for mudharabah financing considering its characteristic which
cannot be assured to get the profit and the high risk of non performing financing.

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DAFTAR ISI
Halaman
SAMPUL DALAM ......................................................................................

i

PERNYATAAN KEASLIAN ....................................................................

ii

PERSETUJUAN PEMBIMBING ..............................................................

iii

PENGESAHAN ...........................................................................................

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MOTTO .......................................................................................................

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PERSEMBAHAN ........................................................................................

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ABSTRAK ..................................................................................................

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KATA PENGANTAR ................................................................................

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DAFTAR ISI ...............................................................................................

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DAFTAR TABEL ......................................................................................

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DAFTAR GAMBAR ..................................................................................

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DAFTAR TRANSLITERASI .................................................................... xviii
BAB I

BAB II

PENDAHULUAN
A. Latar Belakang Masalah........................................................

01

B. Rumusan Masalah .................................................................

09

C. Tujuan Penelitian...................................................................

09

D. Keguanaan Hasil Penelitian ..................................................

09

KAJIAN PUSTAKA
A. Landasan Teori .....................................................................

11

1. Dana Pihak Ketiga ..........................................................

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a. Simpanan Giro ............................................................

12

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b. Tabungan .....................................................................

12

c. Deposito ......................................................................

13

2. Bagi Hasil (Nisbah) .........................................................

14

a. Pengertian Bagi Hasil .................................................

14

b. Faktor yang Mempengaruhi Bagi Hasil ......................

15

1) Faktor Langsung ....................................................

15

2) Faktor Tidak Langsung ..........................................

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3. Pembiayaan Mud}ha