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All Journal Jurnal Perbankan Syariah Darussalam (JPSDa)
Rahmalia, Dea
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Economics, Econometrics & Finance

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Analisis Pengaruh Tingkat Bagi Hasil, Capital Adequacy Ratio (CAR), Dan Dana Pihak Ketiga Terhadap Pertumbuhan Deposito Mudharabah Pada Bank Muamalat Indonesia Periode 2015-2024 Rahmalia, Dea; Haerisma, Alvien Septian; Rokhlinasari, Sri
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4548

Abstract

This study aims to analyze the impact of the Profit-Sharing Rate, Capital Adequacy Ratio (CAR), and Third-Party Funds (DPK) on the growth of mudharabah deposits at Bank Muamalat Indonesia. The ARDL-ECM method is applied within this quantitative research to explore the inter-variable relationships more deeply. Through this framework, the study identifies both temporary short-term correlations and stable long-term relationships. The results indicate that, simultaneously, all three variables significantly influence the growth of mudharabah deposits. Partially, in the long run, all variables show a positive and significant effect, whereas in the short run, only DPK remains significant. These findings suggest that profit-sharing stability and capital strength play a crucial role in driving sustainable deposit growth, while short-term dynamics are more heavily influenced by fund-raising intensity. The novelty of this research lies in the use of the ARDL-ECM approach to detect differences in Sharia customer behavior toward banking indicators across two distinct timeframes
Co-Authors Alvien Septian Haerisma Sri Rokhlinasari, Sri