Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak
Vol. 3 No. 3 (2026): September : Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)

The Pengaruh Inflasi, Kurs, dan Bagi Hasil terhadap Deposito Mudharabah pada Bank Muamalat Indonesia Periode Tahun 2017-2024

Nur Widayanti (Unknown)
Hansen Rusliani (Unknown)



Article Info

Publish Date
01 Sep 2026

Abstract

This study aims to analyze the influence of inflation, exchange rate, and profit-sharing rate on Mudharabah deposits at Bank Muamalat Indonesia during the 2017–2024 period. Macroeconomic variables such as inflation and exchange rate potentially affect investment preferences, while profit-sharing, as an internal factor, plays a key role in mobilizing third-party funds within Islamic banking. This research employs a quantitative associative approach using secondary data derived from quarterly financial reports of Bank Muamalat Indonesia and relevant macroeconomic indicators. Multiple linear regression analysis is applied to examine the relationships among variables. The results indicate that inflation has no significant effect on Mudharabah deposits. The exchange rate shows a negative and significant effect, while profit-sharing has a positive and significant effect. Simultaneously, all variables exert a significant influence with a coefficient of determination of 58.8%, leaving 41.2% explained by other factors outside this study. These findings highlight that profit-sharing is the dominant factor driving Mudharabah deposit growth, whereas certain macroeconomic conditions may reduce the attractiveness of Islamic investment instruments.

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Journal Info

Abbrev

JIEAP

Publisher

Subject

Economics, Econometrics & Finance

Description

Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP) Dengan e-ISSN : 3046-9422, p-ISSN : 3046-8752 merupakan jurnal yang dikhususkan untuk publikasi artikel ilmiah yang diterbitkan oleh Asosiasi Riset Ekonomi dan Akuntansi Indonesia. Jurnal ini terbit 4 kali dalam setahun yaitu pada bulan Maret, ...