DAFTAR ISI
DAFTAR ISI
XXXXXX PERSETUJUAN LEMBAR PENGESAHAN LEMBAR PERNYATAAN MOTTO PERSEMBAHAN
ABSTRAK...................................................................................................... i
KATA PENGANTAR.................................................................................... ii
DAFTAR ISI.................................................................................................. v
DAFTAR TABEL .......................................................................................... xi
DAFTAR GRAFIK........................................................................................ xiii
DAFTAR GAMBAR ..................................................................................... xiv
BAB I PENDAHULUAN ............................................................................ 1
X. Xxxxx Belakang Masalah ............................................................ 1
B. Identifikasi dan Perumusan Masalah .......................................... 9
C. Tujuan Penelitian......................................................................... 10
D. Kegunaan Penelitian.................................................................... 11
BAB II KAJIAN PUSTAKA, KONSEP DAN TEORI, KERANGKA BERPIKIR, DAN HIPOTESIS...................................................... 12
A. Kajian Penelitian Terdahulu ........................................................ 12
B. Xxxxxx dan Teori........................................................................ 19
c. Ketentuan Simpanan Deposito ...................................... 24
d. Xxxxxxxxx dan Skema Simpanan Deposito ................. 25
e. Hubungan Simpanan Deposito terhadap Xxxx
Investasi Murabahah .................................................... 27
2. Sertifikat Bank Indonesia Syari’ah (SBIS).......................... 29
a. Operasi Moneter Syari’ah.............................................. 29
b. Definisi Sertifikat Bank Indonesia Syariah (SBIS)....... 31
c. Landasan Syariah SBIS................................................. 32
d. Karakteristik SBIS ........................................................ 34
e. Ketentuan Akad............................................................. 34
f. Ketentuan Hukum.......................................................... 35
g. Sanksi ............................................................................ 37
h. Hubungan Sertifikat Bank Indonesia Syariah terhadap
Dana Investasi Murabahah........................................... 38
3. Dana Investasi Murabahah ................................................. 41
a. Dana Investasi................................................................ 41
b. Definisi Murabahah...................................................... 43
x. Xxxxxxan Syariah Murabahah ...................................... 45
d. Produk Hukum tentang Murabahah ............................. 47
x. Xxxx Muka dalam Murabahah..................................... 51
i. Diskon dalam Murabahah ............................................ 52
x. Xxxxxx Nasabah Mampu yang Menunda-nunda............. 52
C. Kerangka Berpikir ....................................................................... 53
X. Xxxxxxxxx...................................................................................... 56
BAB III METODOLOGI PENELITIAN .................................................... 58
X. Xxxxx Penelitian .......................................................................... 58
B. Metode Penelitian........................................................................ 58
C. Jenis Data Penelitian.................................................................... 59
D. Sumber Data Penelitian............................................................... 60
E. Operasionalisasi Variabel............................................................ 60
F. Teknik Pengumpulan Data ......................................................... 62
G. Analisis Data............................................................................... 62
1. Analisis Regresi..................................................................... 63
a. Analisis Regresi Sederhana ........................................... 64
b. Analisis Regresi Berganda............................................. 66
2. Analisis Korelasi................................................................... 68
3. Analisis Koefisien Determinasi............................................. 69
4. Analisis Uji Hipotesis............................................................ 70
X. Xxxxx Penelitian............................................................................ 73
1. Gambaran Umum PT. Bank Syari’ah Mandiri...................... 73
a. Sejarah Singkat PT. Bank Syari’ah Mandiri.................. 73
x. Xxxxxxx, Visi, Xxxx, dan Shared Values PT. Bank
Syari’ah Mandiri............................................................ 75
c. Produk-Produk PT. Bank Syari’ah Mandiri .................. 78
2. Analisis Deskriptif................................................................. 82
a. Analisis Jumlah Simpanan Deposito di PT. Bank
Syari’ah Mandiri............................................................ 82
b. Analisis Jumlah Penempatan Sertifikat Bank Indonesia Syariah (SBIS) di PT. Bank Syari’ah Mandiri........................................................................... 85
c. Analisis Dana Investasi Murabahah di PT. Bank
Syari’ah Mandiri............................................................ 87
3. Analisis Kuantitatif................................................................ 91
a. Analisis Jumlah Simpanan Deposito terhadap Dana
Investasi Murabahah .................................................... 92
1) Analisis Regresi Sederhana ..................................... 92
2) Analisis Korelasi Parsial.......................................... 94
Indonesia Syariah (SBIS) terhadap Dana Investasi
Murabahah.................................................................... 99
1) Analisis Regresi Sederhana ..................................... 99
2) Analisis Korelasi Parsial.......................................... 101
3) Analisis Koefisien Determinasi (Kd)...................... 102
4) Uji Signifikansi Xxxxxxxxx Xxxxxxxx (Uji t) ............. 103
c. Analisis Pengaruh Jumlah Simpanan Deposito dan Jumlah Penempatan Sertifikat Bank Indonesia
Syariah (SBIS) terhadap Dana Investasi Murabahah... 106
1) Analisis Regresi Ganda ........................................... 106
2) Analisis Korelasi Simultan ...................................... 110
3) Analisis Koefisien Determinasi (Kd)...................... 111
4) Analisis Signifikansi Regresi Berganda (Uji F) ..... 112
B. Pembahasan................................................................................. 116
1. Pengaruh Jumlah Simpanan Deposito terhadap Dana
Investasi Murabahah di PT. Bank Syari’ah Mandiri............ 116
2. Pengaruh Jumlah Penempatan Sertifikat Bank Indonesia Syariah (SBIS) terhadap Dana Investasi Murabahah di PT.
Bank Syari’ah Mandiri.......................................................... 117
Mandiri.................................................................................. 118
BAB V PENUTUP..................................................................................... 120
A. Kesimpulan.................................................................................. 120
B. Saran........................................................................................... 121