PENGARUH DANA PIHAK KETIGA, TINGKAT BAGI HASIL DAN FINANCING TO DEPOSIT RATIO TERHADAP PEMBIAYAAN MUDHARABAH

Abstract

Mudharabah financing is a financing with profit sharing sytem which reflects on the recommended method in Qur’an and Hadist. Based on OJK data, mudharabah financing has descreased every year with the highest decline during 2016-2017 of 13.11%. This is inversely proportional to murabahah and musyarakah financing which relatively stable growth annually, meanwhile mudharabah financing is expected to be able to drive economic growth in the real sector. This research aimed to analyze the factors which affected mudharabah financing while, the factors which analyzed, were consisted of Third Party Fund (TPF), Profit Sharing Rate (TBH) and Financing To Deposit Ratio (FDR). Moreover, the data were in the form of financial statements 2013-2017 with the criteria of Islamic commercial banks operating in Indonesia. In addition, the data collection technique used purposive sampling with SPSS 23 as regression analysis instrument. The research result concluded different influences between these factors first, Third Party Fund (TPF) had positive effect on Mudharabah Financing. Second, the Profit Sharing Rate (TBH) and Financing To Deposit Ratio (FDR) did not affect Mudharabah Financing.
Keywords : third party fund, profit sharing rate, financing to deposit ratio, mudharabah financing