ANALISIS PEMBIAYAAN BAI’INAH, DEPOSITO MUDHARABAH, DAN SIMPANAN WADIAH TERHADAP BAGI HASIL DI BMT NU Al-MA’WA CILACAP

  • Muhamad Rijal Pamungkas Universitas Nahdlatul Ulama Al Ghazali Cilacap
  • Khamimatus Sodiqoh
Keywords: BMT NU Al-Ma'wa, Profit Sharing, Bai'inah Financing, Mudharabah Deposits, Wadiah Savings

Abstract

The objectives of this study are (1) to determine the effect of Bai'inah financing on profit sharing (2) to determine the effect of Mudharabah deposits on profit sharing (3) to determine the effect of Wadiah deposits on profit sharing (4) to determine the effect of Bai'inah financing, Mudharabah deposits, and Wadiah savings simultaneously against profit sharing. The data used are time series data for profit sharing, Bai'inah financing, Mudharabah deposits, and Wadiah deposits for the period January 2017 - December 2019 at BMT NU Al-Ma'wa Cilacap.

The data analysis technique used multiple linear regression analysis. For multiple linear regression analysis the variable instrument is (1) the dependent variable Y is profit sharing, (2) the independent variable X1 is Bai'inah financing, (3) the independent variable X2 is Mudharabah deposits, (4) the independent variable X3 is Wadiah savings.

The results of this study, the independent variable bai'inah financing (X1), the independent variable mudharabah deposit (X2), and the independent variable wadiah savings (X3) affect the dependent variable for the results (Y) either partially or simultaneously. Furthermore, suggestions for BMT NU Al-Ma'wa Cilacap in developing and improving their well-performing businesses, this increase could be through social media advertising or opening new branches in potential locations.

Author Biographies

Muhamad Rijal Pamungkas, Universitas Nahdlatul Ulama Al Ghazali Cilacap

Dosen

Khamimatus Sodiqoh

Praktiki Ekonomi Pembangunan

References

Abu Barakah Ahmad bin Muhammad bin Ahmad al-Dardir (1973), al-Sharh al-Saghir ‘ala Aqrab al- Masalik ila Madhhab al-Imam Malik, j. 3. Mesir: Dar al-Ma‘rifah, h. 129.

Abu Muhammad ‘Abd Allah Ibn Yusuf Zayla’I (2000), Nasb al-Rayah: Takhrij Ahadith al-Hidayah, j. 4. Kaherah: Mua’ssasah al-Rayyan, h. 279.

Abu Zakariyya Yahya bin Sharf al-Nawawi (t.t), Raudah al-Talibin, j. 3. Beirut: Dar al-Kutub al-‘Ilmiyyah, h. 86.

Ali bin Muhammad al-Jum‘ah (2000), Mu‘jam al-Mustalahat al-Iqtisadyyah wa al-Islamyyah. Riyadh: Maktabah al-‘Abikan, h. 134.

Antonio, MuhamadSyafi’i (2009). Bank Syari’ah Dari Teori Ke Praktek. Gema Insani Press, Jakarta.

Ascarya (2006), Akad dan Produk Bank Syari’ah, (Jakarta: PT Raja GrafindoPersada).

John Penrice (1960), A Dictionary and Glossary of The Kor-an with Copius Grammatical References and Explanations of the Text. Beirut: Librairie Du Liban, h. 20.

Karim A. Andiwarman (2004), Bank Islam Analisis Fiqih Dan Keuangan, edisi ke-4 (Jakarta: PT Raja GrafindoPersada).

Kasmir (2002), Bank dan Lembaga Keuangan Syari’ah, (Jakarta: Raja GrafindoPersada).

Muhamad (2004), Teknik Perhitungan Bagi Hasil dan Pricing di Bank Syari’ah. Yogyakarta: UII Press.

Muhamad (2005), Manajemen Bank Syari’ah. Yogyakarta: UII Press.

Muhammad Ibn Ahmad Ibn Rushd (1999), Bidayah al-Mujtahid wa Nihayah al-Muqtasid. Beirut: Dar Ibn Hazm, h. 509.

Muhammad Ibn Mukram Ibn Manzur (1996), op.cit., h.556.

Romie, P. (2017), Buku Sakti Kuasai Spss. Yogyakarta: Start Up.

Sujarweni, V. (2019), SPSS untuk penelitian, Yogyakarta: PustakaBaru Press.

Zaha Rina Zahari et al. (2008) Encyclopedia Islamic Finance. Kuala Lumpur: Aslita Sdn Bhd., h. 116.

Published
2022-02-12
Section
Articles