PENGARUH PEMBIAYAAN SYARIAHTERHADAP LIKUIDITAS PERBANKAN SYARIAH DI INDONESIA

Abstract

This research aims to determine the influence of murabahah, mudharabah, and musyarakah towardsliquidity (financing o deposite ratio) in the syar’i banking sector. Syar’i funding is one of the syar,i banking service products. This study used analytical and descriptivemethods.The data has been taken from annual report during periodof 2009 trough 2013 and use the SPSS programme to analize the data. Normality test using Kolmogorov-smirnov, linier regression, t-test, dan f-test. The result shows, that murabahah, mudharabah, and musyarakah simulatanously has positive-relation towards liquidity. T-test provide mudharabah and musyarakah has relation with liquidity, the significancy of mudharabah and musyarakah are 0,010 and 0,021, that fulfill the condition under 0,05 significancy. On the other hand, murabahah is the partially shows a positive relation to the liquidity with t-test score is about 0,502. Keywords: Murabahah Finance, Mudharabah finance, Musyarakah finance, Liquidity

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