Pengaruh Return on Asset, BOPO, Suku Bunga dan Capital Adequacy Ratio terhadap Tingkat Bagi Hasil Deposito Mudharabah Pada Perbankan Syariah

Abstract

Islamic banking as part of the national banking system has an important role in the economy . The development of Islamic banks to encourage an increase in attention to the factors that can affect the level of the deposits mudaraba . This study aimed to test empirically Effect of return on assets , ROA , interest rates and Adequeency Capital Ratio of profit sharing rate a mudaraba deposits in Islamic Banking.

The population in this study is the Islamic banks ( BUS ) in Indonesia, which amounted to 11 in the period 2008-2012 . The sample used in this study were 9 Commercial Bank to obtain a sample of 180 observational data . The sampling technique used purposive sampling . Statistical analysis was conducted on the multiple linear regression and hypothesis testing .

Based on the analysis of data it can be concluded ; There is a positive and significant influence between the return on assets on the level of profit sharing Mudaraba deposits , are negative and significant impact on the level of interest rates for deposits results Mudaraba , There is a negative and significant effect on the level of ROA for the deposit Mudaraba , No significant effect between the CAR to the level of the deposit Mudaraba , value of coefficient of determination ( Adjusted R Square ) is equal to 0.111 or 11.1 % mean variation in rate of change for the deposit Mudaraba influenced variable return on assets , interest rates , ROA and CAR of 11.1 % and the remaining 88.9 % is influenced by other factors

Keywords : Return On Assets , ROA , Interest Rates, Capital Adequeency Ratio, Level Sharing Mudaraba Deposits