Indonesian Journal of Islamic Economics and Finance
Vol 2 No 2 (2022)

The Influence of ROA, BOPO and CAR on The Profit Sharing Rate of Mudharabah Deposits at Bank Muamalat Indonesia 2012-2021

Tarmidi, Aurellya Az-zahra (Unknown)



Article Info

Publish Date
28 Dec 2022

Abstract

The development of the Islamic economy is currently quite rapid, marked by the development of Islamic financial institutions. The development of Islamic financial institutions, especially Islamic banking is quite extensive until now. This study aims to examine the effect of the ratio of return on assets (ROA), Operational Expenses on Operating Income (BOPO) and Capital Adequacy Ratio (CAR) on the Profit Sharing Rate of Mudharabah Deposits at Bank Muamalat Indonesia for the period 2012-2021. This research is a quantitative research using multiple linear regression analysis technique as statistical analysis. The results of this study indicate that the variable X, namely ROA, BOPO and CAR has no effect on the Profit Sharing Rate for Mudharabah Deposits where the F sign value is 0.12. Whereas in the partial test ROA and BOPO have no effect on the Profit Sharing Rate for Mudharabah Deposits where the sign value of t is 0.15 and 0.58. The coefficient of determination shows an R-Square of 58%. So it can be concluded that the diversity of variable y can be explained by variable x by 58%. Based on the analysis the value of ROA, BOPO and CAR ratio has no effect on the Profit Sharing Rate for Mudharabah.

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Journal Info

Abbrev

jief

Publisher

Subject

Economics, Econometrics & Finance Social Sciences

Description

Indonesian Journal of Islamic Economics and Finance E-ISSN (28081102) is a journal wich is biannually issued and publishes new editions in June and December. The journal publisher is Institut Agama Islam Sunan Giri (INSURI) Ponorogo and managed by Departement of Islamic Economics INSURI. The ...