DAFTAR ISI
JUDUL ............................................................................................................... i LEMBAR PERSETUJUAN ............................................................................. ii PERNYATAAN ORISINALITAS................................................................... iii ABSTRACT ........................................................................................................ iv ABSTRAK ......................................................................................................... v LEMBAR PERSEMBAHAN ........................................................................... vi KATA PENGANTAR ....................................................................................... vii DAFTAR ISI ...................................................................................................... x DAFTAR TABEL ............................................................................................. xiv DAFTAR GAMBAR ......................................................................................... xv DAFTAR LAMPIRAN ..................................................................................... xvi BAB I PENDAHULUAN .................................................................................. 1.1 Latar Belakang Masalah .................................................................... 1.2 Identifikasi Masalah .......................................................................... 1.3 Tujuan Penelitian .............................................................................. 1.4 Kegunaan Penelitian.......................................................................... 1.5 Sistematika Penulisan ....................................................................... BAB II TINJAUAN PUSTAKA, KERANGKA PEMIKIRAN DAN HIPOTESIS .......................................................................................... 2.1 Tinjauan Pustaka ............................................................................... 2.1.1 Inflasi ....................................................................................... 2.1.1.1 Pengertian Inflasi ......................................................... 2.1.1.2 Jenis-Jenis Inflasi ......................................................... 2.1.1.3 Teori-Teori Inflasi ........................................................ 2.1.1.4 Dampak Inflasi ............................................................. 2.1.2 Tingkat Suku Bunga (BI Rate) ................................................. 2.1.2.1 Pengertian Tingkat Suku Bunga .................................. 2.1.2.2 Teori-Teori Suku Bunga .............................................. 2.1.2.3 Mekanisme Bekerjanya Perubahan Tingkat Suku Bunga ............................................................................ 2.1.3 Deposito Mudharabah ............................................................. 2.1.3.1 Pengertian Deposito ..................................................... 2.1.3.2 Pengertian Mudharabah ............................................... 2.1.3.3 Pengertian Deposito Mudharabah ............................... 2.1.3.4 Bentuk Deposito Mudharabah .....................................
1 1 11 11 12 13
15 15 15 15 17 20 23 25 25 27 28 31 31 31 33 34
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2.1.4 Tinjauan Umum Bank Syariah ................................................. 2.1.4.1 Pengertian Bank Syariah .............................................. 2.1.4.2 Tujuan Bank Syariah .................................................... 2.1.4.3 Kelembagaan Perbankan Syariah ................................. 2.1.4.4 Sumber Dana Bank Syariah ......................................... 2.1.4.5 Prinsip Dasar Bank Syariah ......................................... 2.2 Penelitian Terdahulu ......................................................................... 2.3 Kerangka Pemikiran .......................................................................... 2.4 Hipotesis............................................................................................
39 39 41 42 43 44 46 49 52
BAB III METODE PENELITIAN .................................................................. 3.1 Objek dan Metode Penelitian Yang Digunakan ................................ 3.1.1 Objek Penelitian Yang Digunakan ........................................... 3.1.2 Metode Penelitian Yang Digunakan ........................................ 3.2 Definisi dan Operasionalisasi Variabel Penelitian ............................ 3.2.1 Definisi Variabel Penelitian ..................................................... 3.2.2 Operasionalisasi Variabel Penelitian........................................ 3.3 Sumber dan Teknik Pengumpulan Data ............................................ 3.3.1 Sumber Pengumpulan Data ...................................................... 3.3.2 Teknik Pengumpulan Data ....................................................... 3.4 Populasi dan Sampel ......................................................................... 3.5 Rancangan Analisis Data .................................................................. 3.5.1 Uji Asumsi Klasik .................................................................... 3.5.2 Analisis Regresi Linear Berganda ............................................ 3.6 Pengujian Hipotesis ........................................................................... 3.6.1 Pengujian Secara Parsial / Uji Koefisien Regresi (Uji t) ......... 3.6.2 Pengujian Secara Simultan / Uji Keberartian Regresi (Uji F) .
53 53 53 53 55 55 57 58 58 58 59 60 60 64 65 66 67
BAB IV HASIL PENELITIAN DAN PEMBAHASAN................................. 4.1 Gambaran Unit Analisis .................................................................... 4.1.1 Gambaran PT. Bank Muamalat Indonesia ............................... 4.1.1.1 Sejarah Singkat PT. Bank Muamalat Indonesia ........... 4.1.1.2 Visi dan Misi PT. Bank Muamalat Indonesia .............. 4.1.1.3 Struktur Organisasi PT. Bank Muamalat Indonesia ..... 4.1.1.4 Produk-Produk PT. Bank Muamalat Indonesia ........... 4.1.2 Gambaran PT. Bank Syariah Mandiri ...................................... 4.1.2.1 Sejarah Singkat PT. Bank Syariah Mandiri ................. 4.1.2.2 Visi dan Misi PT. Bank Syariah Mandiri ..................... 4.1.2.3 Struktur Organisasi PT. Bank Syariah Mandiri ........... 4.1.2.4 Produk-Produk PT. Bank Syariah Mandiri ..................
69 69 69 69 70 71 72 73 73 75 76 76
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4.2 Analisis Hasil Penelitian ................................................................... 78 4.2.1 Perkembangan Tingkat Inflasi Pada Periode 2009-2013 ......... 78 4.2.2 Perkembangan Tingkat Suku Bunga Pada Periode 2009-2013 81 4.2.3 Simpanan Deposito Mudharabah ............................................ 84 4.3 Analisis Pengujian Hipotesis ............................................................ 87 4.3.1 Uji Asumsi Klasik .................................................................... 87 4.3.1.1 Uji Asumsi Normalitas .................................................. 87 4.3.1.2 Uji Asumsi Multikolinieritas ......................................... 88 4.3.1.3 Uji Asumsi Heteroskedastisitas ..................................... 89 4.3.1.4 Uji Asumsi Autokorelasi ............................................... 90 4.3.2 Analisis Regresi Linear Berganda ............................................ 91 4.3.2.1 Pengaruh Inflasi Terhadap Simpanan Deposito Mudharabah .................................................................. 93 4.3.2.2 Pengaruh Tingkat Suku Bunga Terhadap Simpanan deposito Mudharabah .................................................... 95 4.3.2.3 Pengaruh Inflasi dan Tingkat Suku Bunga Terhadap Simpanan Deposito Mudharabah .................................. 96 4.3.2.4 Koefisien Determinasi ................................................... 98 4.4 Pembahasan ....................................................................................... 99 4.4.1Pengaruh Inflasi Terhadap Simpanan Deposito Mudharabah Secara Parsial ........................................................................... 99 4.4.2 Pengaruh Tingkat Suku Bunga Terhadap Simpanan Deposito Mudharabah Secara Parsial ..................................................... 102 4.4.3 Pengaruh Inflasi dan Tingkat Suku Bunga Terhadap Simpanan Deposito Mudharabah Secara Simultan .................................. 103 BAB V KESIMPULAN DAN SARAN ............................................................ 105 5.1 Kesimpulan ....................................................................................... 105 5.2 Saran .................................................................................................. 106 DAFTAR PUSTAKA LAMPIRAN
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DAFTAR TABEL Tabel 1.1 Perkembangan Perbankan Syariah ...................................................... Tabel 1.2 Perkembangan Deposito Mudharabah................................................ Tabel 1.3 Tabel Perbandingan Target Inflasi dan Aktual Inflasi ........................ Tabel 1.4 Perkembangan Tingkat Suku Bunga (BI Rate) ................................... Tabel 2.1 Penelitian Terdahulu ........................................................................... Tabel 3.1 Operasionalisasi Variabel ................................................................... Tabel 4.1 Produk-Produk PT. Bank Muamalat Indonesia .................................. Tabel 4.2 Produk-Produk PT. Bank Syariah Mandiri ......................................... Tabel 4.3 Perkembangan Inflasi Periode 2009-2013 .......................................... Tabel 4.4 Perkembangan Tingkat Suku Bunga Periode 2009-2013 ................... Tabel 4.5 Perkembangan Jumlah Simpanan Deposito Mudharabah .................. Tabel 4.6 Hasil Pengujian Asumsi Normalitas ................................................... Tabel 4.7 Hasil Pengujian Asumsi Multikolinieritas .......................................... Tabel 4.8 Hasil Pengujian Asumsi Heteroskedastistas ....................................... Tabel 4.9 Hasil Pengujian Asumsi Autokorelasi ................................................ Tabel 4.10 Hasil Etimasi Model Regresi ............................................................ Tabel 4.11 Anova Untuk Pengujian Koefisien Regresi Secara Bersama-sama. . Tabe 4.12 Koefisien Determinasi ........................................................................
3 6 7 9 46 57 72 77 78 81 84 88 89 90 91 92 97 98
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DAFTAR GAMBAR Gambar 1.1 Komposisi Dana Pihak Ketiga Perbankan Syariah ......................... 4 Gambar 2.1 Mekanisme Bekerjanya BI Rate dalam Mempengaruhi Inflasi ...... 30 Gambar 2.2 Kerangka Pemikiran ........................................................................ 51 Gambar 4.1 Struktur Organisasi PT. Bank Muamalat Indonesia ........................ 71 Gambar 4.2 Struktur Organisasi PT. Bank Syariah Mandiri .............................. 76 Gambar 4.3 Perkembangan Tingkat Inflasi Periode 2009-2013 ......................... 80 Gambar 4.4 Perkembangan Tingkat Suku Bunga (BI Rate) Periode 2009-2013 83 Gambar 4.5 Grafik Simpanan Deposito Mudharabah Periode 2009-2013......... 86 Gambar 4.6 Grafik Daerah Penerimaan dan Penolakan H0 Pada Uji Parsial (Pengaruh Tingkat Inflasi ................................................................ 94 Gambar 4.7 Grafik Daerah Penerimaan dan Penolakan H0 Pada Uji Parsial (Pengaruh Tingkat Suku Bunga) .................................................. 96 Gambar 4.8 Daerah Penerimaan dan Penolakan H0 Uji Simultan ...................... 98
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DAFTAR LAMPIRAN Lampiran I : Kartu Bimbingan Lampiran II : Data Inflasi dan Tingkat Suku Bunga Lampiran III : Laporan Keuangan Neraca Triwulan PT. Bank Muamalat Indonesia Lampiran IV : Laporan Keuangan Neraca Triwulan PT. Bank Syariah Mandiri Lampiran V : Hasil Penelitian Regression
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