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Journal : cross-border journal of business management

PENGARUH KINERJA KEUANGAN PERBANKAN SYARIAH TERHADAP BAGI HASIL DEPOSITO MUDHARABAH PADA BANK KALBAR SYARIAH CABANG SAMBAS PERIODE 2019-2021 Wahyuni, Sri; Marina; Purnamasari, Wulan
Cross-Border Journal of Business Management Vol. 5 No. 2 (2025): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

ABSTRACT This study aims to examine the effect of the level of profitability, level of financing, and level of efficiency on the level of profit sharing for mudharabah deposits. The level of profitability is proxied by return on assets (ROA), financing is proxied by the financing to deposit ratio (FDR), and the level of efficiency is proxied by Operating Costs to Operating Income (BOPO). While the dependent variable used in this study is the rate of profit sharing for mudharabah deposits. This study uses secondary data using published data on financial statements at Bank Kalbar Syariah Sambas Branch for the 2019-2021 period. The analytical method used is multiple linear regression, and before performing the regression test, the classical assumption test is first performed. The results of this study indicate that Operational Costs on Operating Income (BOPO), return on assets (ROA) and financing to deposit ratio (FDR) partially have a positive and significant effect on the rate of profit sharing on mudharabah deposits at Bank Kalbar Syariah Sambas Branch for the 2019-2021 period. . Simultaneously, Operational Costs on Operating Income (BOPO), return on assets (ROA) and financing to deposit ratio (FDR) together have a positive and significant impact on the rate of profit sharing on mudharabah deposits at Bank Kalbar Syariah Sambas Branch for the 2019-2021.
Co-Authors Adiningsih S, Sri Hutami Adyningsih, Sri Hutami Agusnaya, Nurrahmah Alif, Andi Muhammad Andi Sawe Ri Esso Andi Tenri Ampa Anggraeni, Naufa Julia Anita Candra Dewi Ardhiyani, Ika Widya Arif, Donny As Syukri, Khoirul Anam Asti Nur Aryanti Candraningrat, C. Candraningrat Candraningrat, C. Candraningrat2 Dani Rizana Darno, Darno Diansyah, Refor Didik Setiawan Ekasari, Ratna Firdaus, Nurwahidah Fittriya, Nurul Laili gina dewi sonia Hamsar, Israwaty Herlianingrat, Ratu Stevanny Hidayah, Resky Wira Hifza, Hifza I Wayan Swandi Ihsan Said Ahmad, Muhammad Indriani, Tari Jonimar, Jonimar Juniardi Juniardi K, Amiruddin Labusab, Labusab Lesmanawati, Dewi Lia Febria Lina Mallajareng, Muhlis Marina MD Arifin, Khadijah binti MENDY HOSANA M., MENDY HOSANA Moh Sabri AR Muhamad Parhan Muhammad Hasan Muhlis Muhlis Muslimah Muslimah MUSLIMIN Muslimin Kara MUSTARI Mustari Mustari Najib, Marhawati Nani Triana Ngibad, Khoirul Nia Rahmawati, Nia Niken Savitri Primasari Nirmala, Fatra Lena NIRMALA, PUTRI Nur Ainun Nur Arisah Nur Hikmah Nur Indah Sari Nurwahida Nurwahida, Nurwahida Palupi Permata Rahmi Putra, Purniadi Rahmadani, Riya Rahman Ambo Masse Rahmatullah Rahmatullah Ramli, Hartini Refor Diansyah Resvan Resvan, Resvan Rosidah Rosidah Rosidin, Mochammad Khoirul Said Ahmad, Muh Ihsan Savitri Primasari, Niken Septiandi, Indra Dwi Cahya Siti Aminah Sri Wahyuni Subur, Hikmayani suhaeb, Sutarsi Sukamto, Ika Sumiyarsi Suwandi S. Sangadji Syamsu Rijal Syukron Wahyudi Tadampali, Andi Caezar To Tari Indriani Taufik Kurrohman Wahyudhi, Syukron WAHYUDI Wahyudi Wahyudi Wahyudin Nor Wasik, Zainul Windi Afdal, Windi Wisudawaty, Ika Yucha, Nikma Zainul Wasik Zulistnayarti, Andi