Pengaruh Profitabilitas, Likuiditas, Aktiva Produktif, Dan Rasio Kecukupan Modal Terhadap Tingkat Bagi Hasil Deposito Mudharabah (Studi Pada Laporan Keuangan Bank Umum Syariah Periode 2019-2023)
Keywords:
Keywords: profitability, liquidity, productive assets, capital adequacy ratio, profit-sharing, mudharabah depositsAbstract
Abstract
This study aims to analyze the influence of profitability, liquidity, productive assets, and capital adequacy ratios on the profit-sharing rates of mudharabah deposits at Islamic commercial banks in Indonesia during the period 2019 to 2023. The data used are financial statements from four leading Islamic banks and the profit-sharing rates they offer. Multiple linear regression analysis was used to explore the relationships between variables. The findings indicate that profitability and liquidity have a positive and significant effect on profit-sharing rates, while productive assets and capital adequacy ratios do not demonstrate significant influence. This research provides insights for Islamic bank managers in determining profit-sharing policies and managing their resources effectively.
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Referensi
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