Pengaruh Tingkat Inflasi, Suku Bunga, Financing to Deposits Ratio , Beban Operasional Pendapatan Operasional , dan Capital Adequacy Ratio terhadap Tingkat Bagi Hasil Deposito Mudharabah pada Bank Umum Syariah di Indonesia Periode 2018-2021

Abstract

This research was conducted to determine the effect of the Inflation Rate, Interest Rates, Financing to Deposits Ratio, Operational Income Operating Costs, and Capital Adequacy Ratio on the Profit Sharing Rate of Mudharabah in Islamic Commercial Banks in Indonesia for the 2018-2021 period. This research belongs to the type of causal associative research which is used to see the causal relationship between two or more variables, and is a quantitative research. The type of data used in this study is secondary data taken from the quarterly reports of each Islamic Commercial Bank. The population in this study were 15 Islamic Commercial Banks using a purposive sampling technique, then 9 Islamic Commercial Banks were obtained as research samples with a total of 144 observations (9 Banks multiplied by 4 years multiplied by 4 quarters). The data analysis technique used consisted of descriptive statistical analysis tests, classical assumption tests, multiple linear regression analysis tests, and hypothesis testing. The results showed that partially the variable financing to deposits ratio and operating expenses operating income had a significant negative effect on the profit sharing rate of mudharabah deposits; the capital adequacy ratio variable has a significant positive effect on the profit sharing rate of mudharabah deposits; while the variable rate of inflation and interest rates partially do not affect the level of profit-sharing mudharabah. Simultaneously the inflation rate, interest rate, financing to deposits ratio, operating expenses operating income, and capital adequacy ratio have a positive and significant effect on the profit sharing rate of mudharabah deposits.