THE INFLUENCE OF FINANCING TO DEPOSIT RATIO, NON PERFORMING FINANCING, RETURN ON ASSETS AND CAPITAL ADEQUACY RATIO TO MUDHARABAH FINANCING (CASE STUDY IN SHARIA COMMERCIAL BANKS IN INDONESIA)

Siti Indah Rifnanda, Muhyarsyah Muhyarsyah, Irfan Irfan

Abstract


This study aims to determine how much influence Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Return on Assets (ROA), Capital Adequacy Ratio (CAR) to mudharabah financing at Islamic Commercial Banks in Indonesia. This type of quantitative research is a descriptive statistical approach. The research methodology used is the method of documentation and literature study. Source of data comes from secondary data with purposive sampling technique. The data used in this study is the 2013-2017 annual data published by Bank Indonesia in the Sharia bank's annual financial statements. The analytical tool used in this study is multiple linear regression. The results of this study indicate that partially FDR, NPF, and CAR have no effect on mudharabah financing, while ROA has a significant effect on mudharabah financing. And simultaneously the FDR, NPF, ROA and CAR variables significantly influence mudharabah financing, with a determination coefficient of 35%, while the remaining 65% is influenced by other factors not included in the research model.

Keywords: Mudharabah, mudharabah financing, Financing to Deposit Ratio, Non Performing Financing, Return on Assets, Capital Adequachy Ratio.

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