PENGARUH KINERJA KEUANGAN, INFLASI DAN SUKU BUNGA TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH

Abstract

This research is aimed to examine the influence of return on assets, financing to deposit ratio, operating cost to operating income (BOPO), inflation and interest rate (BI rate) to the profit sharing level of mudharaba deposits. The population has been obtained by using purposive sampling method at syariah commercial bank which presents quarterly financial statement in 2012-2015 periods and based on the predetermined criterion, 6 samples of syariah banks have been selected as samples, so there are 96 research data. The analysis method has been run by using multiple linear regression analysis and the SPSS (Statistical Product and Service Solutions). The result shows that BOPO gives positive influence to the profit sharing level of mudharaba deposit with its regression coefficient of 0.044 and its significance level of 0,013. Meanwhile, return on assets, financing to deposit ratio, inflation and interest rate (BI rate) do not give anyinfluence to the profit sharing level of mudharaba deposits.
Keywords: Return on Asset, financing to deposit ratio, BOPO, inflation, interest rate (BI Rate).