The Influence of Profit Sharing Rates on Mudharabah Deposit Savings of the Islamic People's Economic Bank, HIK Parahyangan, Indramayu Branch
DOI:
https://doi.org/10.63738/kawakib.v1i3.13Keywords:
Mudharabah Deposit, Profit Sharing, Customer, Bank Reputation, Risk ManagementAbstract
This research aims to analyze the influence of the level of profit sharing on customers' decisions in choosing mudharabah deposit products at BPRS Hik Parahyangan. Mudharabah deposits are a sharia banking product that offers sharing of business results between the bank and customers based on an agreed ratio. The findings of this research indicate that the level of profit sharing has a significant influence on customers' decisions to invest in mudharabah deposit products. The higher the level of profit sharing offered, the greater the customer's interest in placing their funds. However, other factors such as bank reputation, economic conditions and risk management also influence customer decisions. BPRS Hik Parahyangan needs to maintain a balance between offering competitive profit sharing rates and ensuring the continuity of bank operations through careful risk management. Apart from that, a good bank reputation and transparent fund management are important factors in building customer trust. This research provides recommendations for BPRS Hik Parahyangan to pay attention to these factors in its mudharabah deposit management strategy in order to increase customer satisfaction and loyalty.
References
Muhammad, Manajemen Pembiayaan Mudharabah di Bank Syariah (Jakarta : PT Raja Grafindo Persada, 2008)
Muhamad, Manajemen Dana Bank Syariah (Jakarta: Raja Grafindo Persada, 2014)
Madnasir dan Rodho Intan, Manajemen Perbankan Syariah I (Fakultas Syariah IAIN Raden Intan)
UU No. 21 tahun 2008 tentang Perbankan Syariah
Muhamad, Manajemen Dana Bank Syariah (Jakarta: Raja Grafindo Persada, 2014)
Wawancara Ade Mubasyar
www.ojk.go.id, laporan pengawasan perbankan 2011, Tentang Perbankan dan Stabilitas Keuangan.
Ismaullina, Prinsip bagi hasil dan resiko pembiayaan 2017
Departemen Agama RI, Al-Quran dan Terjemahannya (Bandung: CV Diponegoro, 2000)
Ascarya, Akad dan Produk Bank Syariah (Jakarta: Raja Grafindo Persada, 2015).
Adiwarman A. Karim, Bank Islam Analisis Fiqh dan Keuangan (Jakarta: Raja Grafindo Persada, 2014)
Muhamad, Manajemen Dana Bank Syariah (Jakarta: Raja Grafindo Persada, 2014)
Sudaryanto, D., & Amin, M. (2016). "Pengaruh Reputasi Bank terhadap Keputusan Investasi Nasabah pada Deposito Mudharabah di Bank Syariah." Jurnal Ekonomi dan Bisnis, 8(2).
Asy'ari, M. (2019). "Pengaruh Kondisi Ekonomi terhadap Preferensi Nasabah pada Produk Deposito Mudharabah di Bank Syariah." Jurnal Ekonomi Islam, 12(3)
Ibrahim, M. (2017). "Manajemen Risiko dalam Bank Syariah: Implikasi terhadap Tingkat Bagi Hasil dan Kepuasan Nasabah." Jurnal Manajemen Risiko dan Keuangan, 9(1)
Dewi, L., & Salim, M. (2021). "Pengaruh Tingkat Bagi Hasil terhadap Kepuasan Nasabah pada Deposito Mudharabah di Bank Syariah." Jurnal Ekonomi dan Keuangan Syariah, 14(4)
