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Analisis Pengaruh Imbal Hasil Dan Suku Bunga Terhadap Tabungan (Saving Deposits) Bank Syari’Ah Dan Bank Konvensional Di Indonesia
[Effect Of Return And Interest Rates On Saving Deposits Syari'Ah And Conventional Banks In Indonesia]

Author

Listed:
  • Nizar, Muhammad Afdi

Abstract

Keberadaan perbankan syariah yang beroperasi secara paralel dengan perbankan konvensional telah memberikan warna tersendiri terhadap perkembangan industri perbankan di dalam negeri. Berbagai produk dan jasa keuangan yang ditawarkan perbankan syariah dengan karakteristik yang berbeda dari perbankan konvensional, telah membuka peluang yang lebih besar bagi masyarakat untuk menetapkan pilihan simpanan (tabungan) dan investasi dalam portfolio mereka. Kenyataan menunjukkan bahwa produk-produk dan jasa keuangan yang ditawarkan perbankan syariah semakin diminati oleh masyarakat, termasuk tabungan mudharabah. Hal ini tercermin pada perkembangan jumlah tabungan bank syariah yang terus menunjukkan peningkatan dari waktu ke wakti. Uniknya, peningkatan tabungan ini terjadi dalam kondisi dimana imbal hasil yang ditawarkan menunjukkan kecenderungan menurun. Studi ini mencoba mengkaji pengaruh suku bunga tabungan bank konvensional dan imbal hasil tabungan mudharabah terhadap jumlah tabungan (saving deposits) bank syari’ah. Selain itu, sebagai perbandingan juga akan dianalisa pengaruh kedua variabel tersebut terhadap jumlah tabungan bank konvensional. Berdasarkan analisa yang dilakukan dapat disimpulkan bahwa imbal hasil yang ditawarkan bank syariah bukan lagi merupakan faktor dominan yang memengaruhi perilaku menabung masyarakat. Penempatan dana tabungan pada bank syariah bagi sebagian masyarakat Muslim lebih dipengaruhi oleh faktor religius-emosional (halalharamnya bunga). Bagi nasabah yang nonreligius-rasional, tabungan bank syariah merupakan substitusi untuk tabungan bank konvensional. Sementara itu, pengujian terhadap fatwa MUI tentang keharaman bunga, terbukti memengaruhi perilaku menabung masyarakat, terutama nasabah Muslim yang religius. Dengan merujuk pada hasil studi ini, kalangan perbankan syariah tidak cukup hanya mengandalkan pada pendekatan religius-emosional (halal-haram) untuk mendorong minat menabung masyarakat. Pendekatan yang memperhatikan aspek profesionalisme harus lebih ditonjolkan tanpa mengabaikan aspek syari’ah compliance.

Suggested Citation

  • Nizar, Muhammad Afdi, 2007. "Analisis Pengaruh Imbal Hasil Dan Suku Bunga Terhadap Tabungan (Saving Deposits) Bank Syari’Ah Dan Bank Konvensional Di Indonesia [Effect Of Return And Interest Rates On Saving Deposits Syari'Ah An," MPRA Paper 65612, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:65612
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    References listed on IDEAS

    as
    1. Nomani Farhad, 2003. "The Problem of Interest and Islamic Banking in a Comparative Perspective: The Case of Egypt, Iran and Pakistan," Review of Middle East Economics and Finance, De Gruyter, vol. 1(1), pages 36-69, January.
    2. saleem, shahid, 2007. "Role of Islamic banks in economic development," MPRA Paper 7332, University Library of Munich, Germany.
    3. Hasan, Zubair, 2005. "Treatment of Consumption in Islamic Economics: An Appraisal," MPRA Paper 3059, University Library of Munich, Germany.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    profit-loss sharing; financing to deposit ratio; loan to deposit ratio; saving deposits; imbal hasil; suku bunga; tabungan mudharabah.;
    All these keywords.

    JEL classification:

    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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