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All Journal Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak
Nur Widayanti
Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Economics, Econometrics & Finance

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The Pengaruh Inflasi, Kurs, dan Bagi Hasil terhadap Deposito Mudharabah pada Bank Muamalat Indonesia Periode Tahun 2017-2024 Nur Widayanti; Hansen Rusliani
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak Vol. 3 No. 3 (2026): September : Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jieap.v3i3.2488

Abstract

This study aims to analyze the influence of inflation, exchange rate, and profit-sharing rate on Mudharabah deposits at Bank Muamalat Indonesia during the 2017–2024 period. Macroeconomic variables such as inflation and exchange rate potentially affect investment preferences, while profit-sharing, as an internal factor, plays a key role in mobilizing third-party funds within Islamic banking. This research employs a quantitative associative approach using secondary data derived from quarterly financial reports of Bank Muamalat Indonesia and relevant macroeconomic indicators. Multiple linear regression analysis is applied to examine the relationships among variables. The results indicate that inflation has no significant effect on Mudharabah deposits. The exchange rate shows a negative and significant effect, while profit-sharing has a positive and significant effect. Simultaneously, all variables exert a significant influence with a coefficient of determination of 58.8%, leaving 41.2% explained by other factors outside this study. These findings highlight that profit-sharing is the dominant factor driving Mudharabah deposit growth, whereas certain macroeconomic conditions may reduce the attractiveness of Islamic investment instruments.
Co-Authors Hansen Rusliani