DAFTAR ISI

ABSTRAK .........................................................................................................

KATA PENGANTAR.......................................................................................

ii

DAFTAR ISI......................................................................................................

DAFTAR GAMBAR......................................................................................... ix
DAFTAR TABEL .............................................................................................

DAFTAR LAMPIRAN ..................................................................................... xi

BAB I PENDAHULUAN
1.1 Latar Belakang ..................................................................................

1.2 Identifikasi Masalah ..........................................................................

1.3 Maksud dan Tujuan Penelitian..........................................................

1.4 Kegunaan Penelitian..........................................................................

1.5 Kerangka Pemikiran..........................................................................

1.6 Metodelogi Penelitian .......................................................................

1.7 Lokasi dan Waktu Penelitian ............................................................ 10

BAB II TINJAUAN PUSTAKA

2.1 Tinjauan Umum Bank Syariah.......................................................... 11
2.1.1 Pengertian Bank Syariah .......................................................... 11
2.1.2 Dasar Falsafah Bank Syariah ................................................... 12
2.1.3 Peranan Bank Syariah .............................................................. 14
2.1.4 Perbedaan Bank Syariah dengan Bank Konvensional ............. 15
2.1.5 Prinsip-Prinsip Dasar Perbankan Syariah ................................ 20
2.1.5.1 Prinsip Titipan atau Simpanan..................................... 21
2.1.5.2 Bagi Hasil (Profit-Sharing) ......................................... 23
2.1.5.3 Jual Beli (Sale and Purchase) ..................................... 24
2.1.5.4 Sewa (Operational Lease and Financial Lease) ......... 25
2.1.5.5 Jasa (Fee- Based Services) .......................................... 26

2.1.6 Dewan Pengawas Syariah (DPS) ............................................. 27

2.2 Pembiayaan Bank Syariah................................................................. 28
2.2.1 Pengertian Pembiayaan............................................................ 29
2.2.2 Prinsip Analisis Pembiayaan.................................................... 29
2.2.3 Jenis-jenis Pembiayaan ............................................................ 30
2.2.4 Pembiayaan Berdasarkan Prinsip Bagi Hasil (Profit
Sharing) ................................................................................... 31
2.3 Pembiayaan Mudharabah (Trust Financing, Trust Invesment)......... 32
2.3.1 Pengertian Mudharabah ........................................................... 32
2.3.2 Jenis-jenis Pembiayaan Mudharabah....................................... 33
2.3.3 Aplikasi dalam Perbankan ....................................................... 34
2.3.4 Manfaat Pembiayaan Mudharabah .......................................... 34
2.3.5 Risiko al-Mudharabah.............................................................. 34
2.4 Suku Bunga ....................................................................................... 35
2.4.1 Pengertian Suku Bunga............................................................ 35
2.4.2 Pengertian Sertifikat Bank Indonesia (SBI)............................. 36
2.4.2.1 Karakteristik SBI ......................................................... 36
2.4.2.2 Tata Cara Transaksi Penjualan SBI ............................. 37
2.4.2.3 Mekanisme Pembentukan Suku Bunga SBI................ 38
2.5. Pengertian Bagi Hasil....................................................................... 39
2.5.1 Teori Umum Bagi Hasil (Profit Loss Sharing)..................... 39
2.5.2 Teori Bagi Hasil (Profit Loss Sharing) Dalam
Perbankan Syariah ............................................................... 40
2.5.3 Teori Prinsip Bagi Hasil Syariah ......................................... 41
2.6. Pengaruh Tingkat Suku Bunga dan Bagi Hasil Terhadap
Deposito Mudharabah ..................................................................... 43

BAB III OBJEK DAN METODE PENELITIAN

3.1 Objek Penelitian ................................................................................ 47
3.1.1. Sejarah Singkat Perusahaan ................................................... 47
3.1.2. Stuktur Organisasi Perusahaan dan Uraian Tugas.................. 50

3.1.3. Produk dan Jasa PT Bank Syariah Mandiri ............................ 51

3.2. Metode Penelitian ............................................................................ 54
3.2.1. Teknik Pengumpulan Data ..................................................... 54
3.2.2. Metode Pengumpulan Data .................................................... 55
3.2.3. Variabel Penelitian ................................................................. 55
3.2.4. Operasional Variabel .............................................................. 56
3.2.5. Rancangan Analisis Data dan Pengujian Hipotesis................ 57
3.2.5.1 Rancangan Analisis Data ............................................ 57
3.2.6 Rancangan Pengujian Hipotesis .............................................. 58
3.2.6.1 Penetapan Hipotesis .................................................... 58
3.2.6.2 Pemilihan

Uji

Statistik

Untuk

Pengujian

Hipotesis ..................................................................... 58
3.2.6.3 Penetapan Tingkat Signifikansi................................... 61
3.2.6.4 Penerimaan dan Penolakan Hipotesis Null ................. 62
3.2.6.5 Penarikan Kesimpulan ................................................ 62

BAB IV ANALISIS DAN PEMBAHASAN

4.1. Perkembangan Tingkat Suku Bunga SBI......................................... 63
4.2. Perkembangan Tingkat Bagi Hasil................................................... 64
4.3. Perkembangan Volume Deposito Mudharabah ............................... 66
4.4. Pengaruh Tingkat Suku Bunga dan Tingkat Bagi Hasil
Terhadap Deposito Mudharabah...................................................... 68
4.4.1. Uji Asumsi Klasik.................................................................. 68
4.4.2. Model Regresi Linier Multipel .............................................. 71
4.4.3. Koefisien Korelasi ................................................................. 72
4.4.4. Koefisien Determinasi............................................................ 72
4.4.5. Uji Hipotesis Secara Simultan ............................................... 72
4.4.6. Uji Hipotesis Secara Parsial................................................... 73
BAB V KESIMPULAN DAN SARAN
5.1 Kesimpulan ....................................................................................... 75

5.2 Saran.................................................................................................. 76

DAFTAR PUSTAKA
LAMPIRAN-LAMPIRAN

DAFTAR GAMBAR

Gambar 1.1 Bagan Kerangka Pemikiran ............................................................

Gambar 2.1 Skema al-Wadiah Yad al-amanah ................................................. 22

Gambar 2.2 Skema al-Wadiah Yad Dhamanah................................................. 22
Gambar 2.3 Skema Bai al-Murabahah .............................................................. 24
Gambar 2.4 Jenis-jenis Pembiayaan ................................................................... 30
Gambar 2.5 Skema al-Mudharabah .................................................................... 35
Gambar 4.1 Perkembangan Tingkat Suku Bunga SBI Periode Januari
2007 Juni 2009............................................................................. 63
Gambar 4.2 Perkembangan Tingkat Bagi Hasil Bank Syariah Mandiri
Periode Januari 2007 Juni 2009 ................................................... 65
Gambar 4.3 Perkembangan Volume Deposito Mudharabah Bank Syariah
Mandiri Periode Januari 2007 Juni 2009 ..................................... 67
Gambar 4.4 Uji Heteroskedastisitas ................................................................... 70
Gambar 4.5 Uji F-Statistik.................................................................................. 73
Gambar 4.6 Uji t X1 ........................................................................................ 74
Gambar 4.7 Uji t X2 ......................................................................................... 74

DAFTAR TABEL

Tabel 2.1 Perbedaan Bank Syariah dan Bank Konvensional.............................. 17

Tabel 2.2 Perbedaan Bunga dan Bagi Hasil........................................................ 19
Tabel 2.3 Ilustrasi Penawaran SBI ...................................................................... 38
Tabel 3.1 Operasional Varibel ........................................................................... 57
Tabel 4.1 Uji Autokorelasi.................................................................................. 68
Tabel 4.2 Uji Multikolinieritas............................................................................ 69
Tabel 4.3 Uji t-statistik........................................................................................ 73

DAFTAR LAMPIRAN

Lampiran 1 BI Rate (Berdasarkan hasil dari Rapat Dewan Gubenur)

Lampiran 2 Tingkat Bagi Hasil Bank Syariah Mandiri
Lampiran 3 Depotiso Mudharabah Bank Syariah Mandiri
Lampiran 4 Output SPSS
Lampiran 5 Tabel Distribusi F
Lampiran 6 Tabel Harga-harga Kritis t
Lampiran 7 Surat Survei
Lampiran 8 Kartu Bimbingan Skripsi