The Impact of ROA, BOPO, and FDR to Indonesian Islamic Bank's Mudharabah Deposit Profit Sharing

Laila Mugi Harfiah, Atiek Sri Purwati, Permata Ulfah
2016 Etikonomi  
This study aims to determine the effect of profitability ratio (ROA) the cost-revenue ratio (BOPO) and financing to deposit ratio (FDR) toward profit sharing of time deposit mudharaba in Islamic banking in Indonesia. This research is a quantitative study using heading the entire population of Islamic banks in Indonesia and the sample was selected using purposive sampling method. Samples were obtained at 7 Islamic banks and research data in the form of quarterly reports Islamic Banks 2011-2014
more » ... c Banks 2011-2014 period. The analysis namely with the used is a multiple linear regression analysis. The results of the data analysis showed that ROA, BOPO and FDR significant positive effect on the level of profit sharing of time deposit mudharaba. Is divided in changes in the rise and fall rate for the time deposits mudharaba can be explained 47.9 percent by ROA, BOPO and FDR, while 52.1 percent can be explained by other variables not examined. Abstrak. Penelitian ini bertujuan untuk mengetahui pengaruh rasio profitabilitas (ROA) rasio biaya (BOPO) dan Pembiayaan to Deposit Ratio (FDR) terhadap bagi hasil deposito mudharabah dalam perbankan syariah di Indonesia. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan bank Islam di Indonesia dengan sampel yang dipilih dengan metode purposive. Sampel diperoleh sebanyak 7 bank syariah dan data penelitian dalam bentuk laporan triwulanan bank Islam periode 2011-2014. Analisis yang digunakan adalah analisis regresi linier berganda. Hasil analisis data menunjukkan bahwa ROA, BOPO dan FDR berpengaruh positif signifikan terhadap tingkat bagi hasil deposito mudharabah. Tingkat variasi perubahan naik turunnya deposito mudharabah dapat dijelaskan sebanyak 47,9 persen oleh ROA, BOPO dan FDR, sementara 52,1 persen dijelaskan oleh variabel lain yang tidak diteliti.
doi:10.15408/etk.v15i1.3109 fatcat:pq4typzeindv7pgkjc7s6aqlje