Analisis Pengaruh Return on Asset (Roa), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO) terhadap Tingkat Bagi Hasil Deposito Mudharabah pada Bank Umum Syariah Periode 2018-2020

Abstract

This study aims to analysist the impact Return On Assets (ROA), Financing To Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operating Costs To Operating Income (OCOI) On Level of Results of Deposits Mudharabah Of Commercial Banks Shariah. The populations in this study are all Islamic banks in Indonesia period 2018-2020 a total of 12 islamic banks. The method used to determine the sample using purposive sampling. So, based on the criteria, samples that meet the criteria in this study were 10 islamic banks in Indonesia multiplied by 3 years to 30 observation analysis unit multiplied by 4 quarter to 120 observations. The data was processed through the method of multiple linear regression statistical tests using SPSS software. Based on the results of multiple linear regression, concluded that simultaneous that is ROA, FDR, NPF, CAR, and BOPO significant effect of the rate of return deposits mudharabah. Partially, ROA and CAR have positive effect at the level of results of deposits mudharabah, FDR have negative effect at the level of results of deposits mudharabah and NPF, BOPO don’t have effect at the level of results of deposits mudharabah.