<![CDATA[The growth of the Islamic banking industry in Indonesia in recent years shows a trend that is increasing quite significantly. One of the important indicators in fundraising activities at Islamic banks is mudharabah deposits which are profit-sharing-based investment products. The growth of mudharabah deposits is inseparable from the condition of the bank's financial performance as measured through several financial ratios. This study aims to analyze the effect of Return on Asset (ROA), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on mudharabah deposits in Sharia Commercial Banks in Indonesia for the 2020–2024 period. This study uses a quantitative approach and the data used is secondary data in the form of annual financial statements of Sharia Commercial Banks in Indonesia. The population in this study is all Sharia Commercial Banks in Indonesia, while the research sample was determined using purposive sampling techniques based on certain criteria. The data analysis technique uses multiple linear regression with the help of the SPSS application. The results of the study showed that partially Return on Asset (ROA) had a significant effect on mudharabah deposits, while Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) had no effect on mudharabah deposits. Simultaneously, ROA, NPF, and FDR have no significant effect on mudharabah deposits. The value of the determination coefficient showed that the independent variable was able to explain the variation in mudharabah deposits by 61.6%, while the rest was influenced by other variables outside the study. These findings indicate that profitability factors have an important role in increasing public interest in mudharabah deposit products, while financing and liquidity risks are not the main considerations.]]>
