PENGARUH PROFITABILITAS, LIKUIDITAS, AKTIVA PRODUKTIF DAN RASIO KECUKUPAN MODAL TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH (Studi Pada Laporan Keuangan Bank Sariah Periode 2017/2022)

Abstract

The factor that people consider in investing their
funds in Islamic banks is the profit sharing factor. One of
them is through mudharabah deposits. The indication of
the profit sharing rate of mudharabah deposits is
influenced by internal factors, namely related to the
financial performance of Islamic banks which is reflected
in financial ratios such as ROA, FDR, NPF and CAR.
The formulation of the problem in this study is whether
the influence of ROA, FDR, NPF, and CAR on the profit
sharing rate of mudharabah deposits partially The purpose
of this study is to determine the effect of ROA, FDR,
NPF and CAR on the profit sharing rate of mudharabah
deposits partially. Types of quantitative research. The
research methodology used is the documentation method.
Secondary data source with Purposive Sampling
technique. The results of this study show that together the
variables ROA, FDR, NPF, and CAR have a significant
effect on the profit sharing rate of mudharabah deposits.
The coefficient of determination (R2) test was 48.54%
while the remaining 51.46% was influenced by other
factors outside the study. Partial ROA has an insignificant
positive effect on the profit sharing rate of mudharabah
deposits with a t-statistical value of 0.7704 and a
significance value of 0.4424. FDR has an insignificant
negative effect on the profit sharing rate of mudharabah
deposits with a t-statistical value of -0.8788 and a
significance value of 0.3811 this is because the source of
financing funds does not only come from depositsso that
the profit share received from all financing is not only
channeled to deposit investors, but also to savings and
current account customers. CAR has a positive and
significant effect on the profit sharing rate of mudharabah
JURNAL AZ-ZAHRA : JURNAL EKONOMI DAN BISNIS ISLAM xx (xx): xx-xx (20xx)
deposits with a t-statistical value of 2.9976 and a
significance value of 0.0033 which means that the
company's capital in addition to supporting the operations
of Islamic banks is also to protect depositors by
debunking all losses to the company