Abstract :
The main purpose of this research is to know the effect of SBI rate to number
of financing and deposits in islamic bank. The fact shows that bank's operation
not only influence by itself but also external factor such as the fluctuation of SBI
rate. The object of this research is whole islamic bank, there are islamic
commercial banks and islamic banking unit. The data for assessing this research
are monthly islamic banking statistics from January 2003 to December 2007, so total observation for this research are sixty observation. This research using
simple regression linier.
The result found that SBI rate have only effect in number of musyarakah
financing. Mudharabah financing, murabahah financing, and deposits are not
influenced by SBI rate. This research found that Indonesian people strongly obey
the sharia law. So SBI rate have no effect for performance of islamic bank in
Indonesia. This condition suitable with commandment of Allah SWT that usury
prohibited in Islam. Keywords:
SBI rate, financing, and deposits.