ANALISIS NISBAH BAGI HASIL TERHADAP JUMLAH NASABAH DEPOSITO MUDRABAH (Studi Di Koperasi Baitul Mall Wat Tamwiil Khidmatul)

Abstract

Abstract

Baitul Maal Wat Tamwil (BMT) was originally established as a people's economic institution that helps the poor, the poor and near poor. However, it is growing, by creating fund-raising products. Fund-raising products include savings deposits and time deposits (deposits) with the mudharabah principle. The establishment of BMT is intended to encourage economic empowerment through the provision of sharia products. For this reason BMT can be well received by the community. The type of research is quantitative descriptive, namely the results of calculations from the percentage of profit sharing ratio for mudharabah deposits for a period of 12 months and data on the number of customers of mudharabah deposits for a period of 12 months in the last 3 years, namely from 2017 - 2019. The results of this study indicate that the profit sharing ratio variable and the number of mudharabah depositors has a positive relationship as evidenced by the increasing number of deposit customers at KBMT Khidmatul Ummah because the profit sharing ratio for mudharabah deposits provided/offered by KBMT Khidmatul Ummah is very profitable for depositors and tempting for prospective depositors. Conclusions from this study Based on the results of the correlation analysis, the results of the correlation analysis test showed a positive sign (+) which means that there is a positive relationship between the two. The correlation magnitude is 0.972 (> 0.05), meaning the percentage rate is strongly correlated with an increase in the number of depositors.

Keywords: Profit Sharing Ratio, Mudrabah Deposit Customers and KSPPS