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

Abstract

This research is meant to find out the influence of Third Party Fund (DPK), Capital Adequacy Ratio
(CAR), and Return on Asset (ROA), Non Performing Financing (NPF), and The Operating Cost to the
Operating Revenue (BOPO) and mudharabah financing. The population of this research is bank umum syariah
which are listed in Bank Indonesia during the 2011-2014 periods by using quarter financial statement. The
research sample has been selected by using purposive sampling so that 10 bank umum syariah (160 firm three
months) which meet the criteria have been selected as samples. The analysis technique has been done by using
multiple regressions have been done by using SPSS program 22.0 version. Based on the result of multiple
regressions, it shows that Third Party Funds (DPK) has positive influence to the mudharabah financing; capital
adequacy ratio has positive influence to the mudharabah financing, return on asset has negative influence to the
mudharabah financing, non performing financing does not have any positive influence to the mudharabah
financing, operating cost to the operating revenue (BOPO) has negative influence to the mudharabah financing.
Keywords: Third Party Fund, Capital Adequacy Ratio, Return on Asset, Non Performing Financing, The
Operating Cost to the Operating Revenue, and mudharabah financing.