Journal of Islamic Economic Laws
Vol 3, No 2: July 2020

The Impact of ROA, BOPO, FDR, CAR, NPF on Mudharabah Profit Sharing Rate

Bramandita, B (Unknown)
Harun, H (Unknown)



Article Info

Publish Date
21 Mar 2025

Abstract

This research was conducted to analyze the effect of Return on Assets (ROA), Operational Cost of Operating Income (BOPO), Financing Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Non-Performing Financing (NPF) on the level of profit-sharing at Mudharabah Banks Syariah with Case Study of BNI Syariah Bank in Indonesia. The data used is using the data recorded in the Financial Services Authority and financial reports published in 2016-2018. The data analysis method that will be used is Ordinary Least Square OLS after a series of Classical Assumptions tests. This research results that were partially finding the independent variables ROA, BOPO, FDR, and CAR have a significant effect. Meanwhile, the NPF variable does not have a significant effect on the Mudharabah Profit Sharing variable. This study shows that the NPF ratio is a picture of non-performing loans that do not significantly affect mudharabah profit-sharing, emphasizing the superiority of sharia contracts, especially mudharabah contracts.

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Journal Info

Abbrev

jisel

Publisher

Subject

Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

Description

Journal of Islamic Economic Laws (JISEL) is published by the Department of Islamic Economic Laws, Faculty of Islamic Studies, Universitas Muhammadiyah Surakarta. The journal provides a platform for scholarly research that bridges theoretical perspectives and practical developments in the field of ...