DAFTAR ISI Halaman SAMPUL DALAM ......................................................................................
i
PERNYATAAN KEASLIAN ....................................................................
ii
PERSETUJUAN PEMBIMBING ..............................................................
iii
PENGESAHAN ...........................................................................................
iv
MOTTO .......................................................................................................
v
PERSEMBAHAN ........................................................................................
vi
ABSTRAK ..................................................................................................
vii
KATA PENGANTAR ................................................................................
viii
DAFTAR ISI ...............................................................................................
x
DAFTAR TABEL ......................................................................................
xv
DAFTAR GAMBAR ..................................................................................
xvii
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 ..........................................................
11
a. Simpanan Giro ............................................................
12
x
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 ..........................................
16
3. Pembiayaan Mud}ha
17
a. Pengertian Mud}ha
17
b. Jenis-Jenis Mud}ha
20
1. Mud}ha
20
2. Mud}ha
21
c. Rukun dan Syarat Pembiayaan Mud}ha
21
d. Manfaat Mud}ha
21
e. Bagi Hasil dalam Pembiayaan Mud}ha
22
a. Revenue Sharing .....................................................
22
b. Profit and Loss Sharing ..........................................
22
B. Penelitian Terdahulu yang Relevan........................................
23
C. Kerangka Konseptual .............................................................
32
E. Hipotesis .................................................................................
32
1. Hipotesis Penelitian (Ha) ...................................................
33
2. Hipotesis Operasional .........................................................
33
xi
BAB III METODE PENELITIAN A. Jenis Penelitian ......................................................................
35
B. Waktu dan Tempat Penelitian ................................................
35
1. Waktu Penelitian ...............................................................
35
2. Tempat Penelitian ..............................................................
35
C. Populasi dan Sampel Penelitian .............................................
36
1. Populasi Penelitian .............................................................
36
2. Sampel Penelitian ...............................................................
36
D. Variabel Penelitian ................................................................
37
1. Variabel Independen ...........................................................
37
2. Variabel Dependen..............................................................
37
E. Definisi Operasional ...............................................................
38
1. Dana Pihak Ketiga ..............................................................
38
2. Tingkar Bagi Hasil (Nisbah)...............................................
38
3. Pembiayaan Mud}ha
38
F. Data dan Sumber data ............................................................
39
1. Data .....................................................................................
39
2. Sumber Data .......................................................................
39
a. Data Primer.....................................................................
39
b. Data Sekunder ...............................................................
40
G. Teknik Pengumpulan Data .....................................................
40
1. Tinjauan Lapangan .............................................................
40
2. Tinjauan Kepustakaan ........................................................
40
xii
H. Teknik Analisis Data..............................................................
41
1. Uji Normalitas ...................................................................
41
2. Regresi Linier Sederhana ..................................................
41
3. Pengujian Hipotesis (Uji T) ..............................................
42
BAB IV HASIL PENELITIAN A. Gambaran Umum Objek Penelitian .......................................
44
1. Sejarah PT. BRI Syariah Cabang Surabaya Gubeng ........
44
2. Visi dan Misi PT. BRI Syariah Cabang Surabaya Gubeng
44
a. Visi..................................................................................
45
b. Misi .................................................................................
45
3. Logo PT. BRI Syariah Cabang Surabaya Gubeng .............
45
a. Logo Perusahaan.............................................................
45
b. Arti Logo dan Warna PT. BRI Syariah..........................
46
4. Struktur Organisasi BRI Syariah Cabang Surabaya Gubeng ..............................................................................
46
5. Produk-Produk BRI Syariah Cabang Surabaya Gubeng ..
48
a. Dana Pihak Ketiga ........................................................
48
b. Pembiayaaan .................................................................
48
B. Data Hasil Penelitian .............................................................
49
1. Dana Pihak Ketiga ..............................................................
49
2. Tingkat Bagi Hasil .............................................................
52
3. Pembiayaan Mud}ha
54
C Analisis Data ...........................................................................
56
xiii
BAB V
1. Uji Normalitas ....................................................................
56
2. Regresi Linier Sederhana ....................................................
57
3. Uji Hipotesis .......................................................................
61
PEMBAHASAN A. Analisis Pengaruh Dana Pihak Ketiga dan Tingkat Bagi Hasil Terhadap Pembiayaaan Mud}ha
BAB VI PENUTUP Kesimpulan ......................................................................................
74
Saran ................................................................................................
75
DAFTAR PUSTAKA ..................................................................................
77
LAMPIRAN
xiv
DAFTAR TABEL Tabel
Halaman
2.1
Maping Penelitian Terdahulu .............................................................
27
4.1
Data Dana Pihak Ketiga Bank BRI Syariah Tahun 2013 ...................
50
4.2
Data Dana Pihak Ketiga Bank BRI Syariah Tahun 2014 ...................
50
4.3
Data Dana Pihak Ketiga Bank BRI Syariah Tahun 2015 ...................
51
4.4
Data Tingkat Bagi Hasil Bank BRI Syariah Tahun 2013 ..................
52
4.5
Data Tingkat Bagi Hasil Bank BRI Syariah Tahun 2014 ..................
53
4.6
Data Tingkat Bagi Hasil Bank BRI Syariah Tahun 2015 ..................
53
4.7
Data Pembiayaan Mud}ha
54
4.8
Data Pembiayaan Mud}ha
55
4.9
Data Pembiayaan Mud}ha
55
4.10 Hasil Uji Normalitas One-Sample Kolmogorov-Smirnov Test .........
56
4.11 Persamaan Regresi antara Dana Pihak Ketiga `dan Pembiayaan Mud}ha
57
4.12 Pengaruh Dana Pihak Ketiga Terhadap Pembiayaan Mud}ha
58
4.13 Persamaan Regresi antara Tingkat Bagi Hasil dan Pembiayaan
Mud}ha
59
4.14 Pengaruh Tingkat Bagi Hasil terhadap Jumlah Pembiayaan Mud}ha
60
4.15 Hasil Uji T antara Dana Pihak Ketiga terhadap Jumlah Pembiayaan Mud}ha
62
4.16 Hasil Uji T antara tingkat Bagi Hasil terhadap Jumlah Pembiayaan Mud}ha
63
5.1
Data Dana Pihak Ketiga Bank BRI Syariah Tahun 2013 ...................
66
5.2
Data Dana Pihak Ketiga Bank BRI Syariah Tahun 2014 ...................
67
5.3
Data Dana Pihak Ketiga Bank BRI Syariah Tahun 2015 ...................
67
xvi
DAFTAR GAMBAR Gambar
Halaman
1.1
Data Pembiayaaan Bank BRI Syariah Tahun 2013 ............................
4
1.2
Data Pembiayaaan Bank BRI Syariah Tahun 2014 ............................
5
1.3
Data Pembiayaaan Bank BRI Syariah Tahun 2015 ............................
6
2.1
Kerangka Konseptual Variabel X dan Variabel Y .............................
32
4.1
Logo PT. BRI Syariah ........................................................................
46
xvii
