Pengaruh Equivalent Rate dan Tingkat Keuntungan Terhadap Dana Pihak Ketiga (DPK) Perbankan Syariah di Indonesia

Abstract

The aims of this research are to explain and analyze the effect of
equivalent rate and rate of return on the third party accounts of Islamic
Commercial Banking (BUS) and Syariah Business Unit (UUS) in Indonesia. The
research was conducted with quantitative descriptive methods by using
secondary data. The data obtained from Islamic Banking statistic report of
Bank Indonesia 2009‐2013. By using multiple linear regressions this research
finds out that equivalent rate and rate of return significantly influence the third
party accounts of Islamic Commercial Banking and Syariah Business Unit in
Indonesia 2009‐2013. It was showen by partially t test that indicate t valued
(4,018) > t table (2,004) of equivalent rate variable and t valued (6,156) > t
table of return rate variable. Simultaneously F test also indicate that F valued
(50,109) > F Table 2,790. This research suggests that Islamic Commercial
Banking and his Syariah Business Unit should increase the volume of equivalent
rate and share of return rate saving accounts in order to increase third party
accounts that significantly determine the performance of Islamic banking in the
future.
Key Words: Equivalent Rate, Rate of Return, Third Party Accounts and Islamic Banking