FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MUDHRABAH PADA BANK UMUM SYARIAH DI INDONESIA

Abstract

This research is meant to test some factors which influence the mudharabah financing. These factors are
profitability ratio, liquidity ratio, third parties fund, certificate of Bank Indonesia Sharia and solvability ratio.
The population is all financial institutions in the field of sharia banking which are listed in the website of Bank
Indonesia in 2010-2015 periods. The research samples are 10 Sharia Commercial Bank which has been selected
by using purposive sampling. The source of data is originated from the official website of Bank Indonesia
(www.bi.go.id). The analysis instrument has been carried out by using multiple linear regressions analysis. The
result of this research shows that ROA gives negative influence to the mudharabah financing and the CAR give
negative influence to the mudharabah financing because of the decision of Bank managerial tend to become a risk
taker. The FDR and SBIS does not have any influence to the mudharabah financing. The DPK has negative
influence to the mudharabah financing because it is believed that the rise and fall of the DPK is followed by
fluctuation of the economy and it has influenced the managerial decisions in distributing of Mudharabah
financing.
Keywords: Financial Performance, Third Parties Fund (DPK), Certificate of Bank Indonesia Sharia (SBIS), and
Mudharabah Financing.