PENGARUH PROFITABILITAS, LIKUIDITAS, AKTIVA PRODUKTIF DAN RASIO KECUKUPAN MODAL TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH

Abstrak

Factors that people consider when investing The funds in the Sharia Bank are a profit sharing return factor. One of them is through mudharabah deposits. Indication of profit sharing level of mudharabah deposits influenced by internal factors, namely those related to the bank's financial performance sharia which is reflected in financial ratios such as ROA, FDR, NPF and CAR. Type of quantitative research. The research methodology used is documentation method. Secondary data source with Purposive Sampling technique. The data analysis method used is panel data regression analysis, with tests Chow, Hausman test and hypothesis test (R2 test, F test, and t test), estimation model The panel data regression used is the Fixed Effect Model, data processing

using the E-Views 9 program. The results of this study show that jointly the variables ROA, FDR, NPF, and CAR have a significant effect on the level of profit sharing mudharabah deposits. By partial ROA has an insignificant positive effect on the level of profit sharing mudharabah deposits. This is due to an increase in Sharia Commercial Bank income not only distributed to deposit investors, but also to savings customers and current accounts so that the high ROA does not have much influence on the height mudharabah deposit profit sharing rate. FDR had no negative influence significantly to the level of profit sharing on mudharabah deposits, this is due to the source Financing funds do not only come from deposits so that the results are shared received from all financing is not only distributed to deposit investors, but also to savings and current account customers. NPF has no negative effect significantly to the level of profit sharing on mudharabah deposits. This happens because

distribution of financing carried out by sharia banks to customers has been done quite well. CAR has  positive and significant effect on level of profit sharing from mudharabah deposits means company capital other than as supporting sharia bank operations as well as protecting depositors by

disclaim all losses to the company