ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUH NASABAH MELAKUKAN DEPOSITO MUDHARABAHPADA BANK ACEH SYARIAH CABANG PEMBANTU IDI RAYEUK

Abstract

AbstractThis  study  aims  to  determine  the  factors  that  affect  customers  to  deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch and to determine the partial and  simultaneous  effect  on  interest  in  mudharabah  deposits.  There  are  several factors  that  influence  customers  in  performing  mudharabah  deposits  such  as  the influence  of  profit  sharing  factors,  service  factors  and  promotion  factors.  This study is quantitative study, using 81 respondents as research sample. Sampling in this research is done by probability sampling with Random sampling method, that sample  selection  technique  without  considering  the  level  that  exist  in  that population. Data collection techniques using questionnaires as many as 41 items of  questions  assessed  by  the  likert  scale  1-5  and  tested  its  feasibility  using  the validity  and  realiability  test.  The  collected  data  were  classical  assumption  test including  multicolinearity  test,  heterokedasticity,  normality,  autocorrelation  and linearity.  To  analysis  data  using  multiple  regression  with  determination  test method,  F  test  and  t  test.  Based  on  multiple  regression  analysis  at  significance level  5%  showed  that  simultaneously  factor  of  profit  sharing,  service  factor  and promotion  factor  have a  significant  positive  effect  to  make  decision  to  do mudharabah deposit. The results also show partially that (1) there is a significant positive effect of profit sharing factor to make decision to do deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch; (2) there is a significant positive effect of service  factor  to  make  decision  to  do  deposit  mudharabah  at  Aceh  Sharia  Bank Idi Rayeuk Branch; and (3) there is a significant negative effect of profit sharing factor  to  make    decision  to  do  deposit  mudharabah  at  Aceh  Sharia  Bank  Idi Rayeuk Branch. The service factor variable has the most dominant influence with significance (0,000 <0.05) and tcount> ttable (4,518> 1,991).