Effect of Profit Sharing, Murabahah, and Wadiah Saving Fund on Wadiah Bonuses at BCA Syariah and Bukopin Syariah in 2017–2020

Abstract

Banks are financial institutions that have the function of collecting public funds. Islamic financial institutions are obligated to comply with the established sharia laws. Islamic banks must be able to demonstrate their performance to customers through wadiah bonuses. This research employs causality-based quantitative methods to seek explanations in the form of cause-and-effect correlations between variables from Bank Bukopin Syariah and Bank Central Asia Syariah. The findings of this study indicate that profit sharing has a significant effect on the Wadiah Bonus. This is demonstrated by the t count > t table (3.310 > 2.042) and significance value 0.05 (0.003 0, 05), as well as the t count > t table (2.749) and significance value 0.05 (0.010 0.05) for murabahah. Wadiah Savings Fund has a considerable positive effect on Wadiah Bonus, as indicated by the t count > t table (3.602 > 2.042) and significance value 0.05 (0.001 0.05) values. As shown by the f count f table (6.950 > 3.810) and significance value 0.05 (0.001 0.05), profit sharing, murabahah, and wadiah savings funds all enhance wadiah bonus significantly.