NISBAH BAGI HASIL DAN TINGKAT BUNGA DANA PIHAK KETIGA SERTA PENGARUHNYA TERHADAP PRODUK

Haris, Helmi and Astuti, Septin Puji (2010) NISBAH BAGI HASIL DAN TINGKAT BUNGA DANA PIHAK KETIGA SERTA PENGARUHNYA TERHADAP PRODUK. SYIRKAH Jurnal Ekonomi Islam, 5 (2). pp. 181-191. ISSN 1978-0079

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Abstract

The increasing interest rate of funding may influence customer to raise their fund on the bank. In addition, it also believed could encourage people to invest their money on the bank. However, funding of Syariah Banks may not be influenced by the rate of profit and loss sharing because the main purpose of their customer in investing their money on Syariah Bank is to realise Syariah economy instead of get more profit from its profit and loss sharing. The main aim of this research is to provide an evidence that increasing interest rate in conventional Bank leads to improving funding products. In addition, it also be investigated that profit and loss sharing in Syariah Bank have possibility to enhance funding products. Through applying vector autoregressive model, it could be concluded that current account and saving are caused by their interests of last five months and one month, respectively. However, deposit account does not influenced by its interest. Similar to saving in conventional bank, syariah saving is significantly influenced by the rate of its profit and loss sharing. On the other hand, syariah deposit and syariah current account are not significantly influenced by the rate of its profit and loss sharing.

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