<![CDATA[Introduction: This study aims to determine the effect of profit sharing and bonus (return) on third-party funds with the BI 7-day reverse repo rate as a moderating variable a case study at Bank Sumut Syariah KCP Stabat in 2023–2024. Methods: The research method uses a quantitative method. The primary data of this study was obtained directly through: Profit Distribution Financial Reports from 2023–2024 Bank Sumut Syariah KCP Stabat. Multiple linear regression analysis and moderating regression analysis were used in SPSS for technical data analysis needed to test the hypothesis. Results: The results show that the Profit Sharing and Bonus Return variables have a positive and significant effect on the collection of Third Party. Funds (DPK) of Bank Sumut Syariah. This means that when there is an increase in profit sharing, DPK will increase, while a decrease in profit sharing will decrease the amount of DPK. Profit acquisition or profit sharing is a primary consideration for investors who will invest. And furthermore, the results of hypothesis testing show that it can be concluded that the existence of savings interest rates (moderating variable (Z)) will strengthen the relationship between profit sharing (X1) and bonuses (returns) (X2) on third party funds (Y) at Bank Sumut Syariah. Conclusion and suggestion: This means that fluctuations in conventional savings interest rates in the financial market have a psychological and economic influence on customers in making decisions to save funds in Islamic banks, so that when interest rates increase, customers are more sensitive in comparing returns between Islamic banks and conventional banks.]]>
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