The Impact of ROA, BOPO, and FDR to Indonesian Islamic Bank's Mudharabah Deposit Profit Sharing

Harfiah, Laila Mugi; Purwati, Atiek Sri; Ulfah, Permata

doi:10.15408/etk.v15i1.3109

Cited by 10 publications

(15 citation statements)

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“…Financing is the main source of income for Islamic banks, which in turn will contribute to profits. Harfiah et al (2016) found a positive effect of FDR on mudaraba deposits. Meanwhile, according to Adem (2015), in conventional banking, loan to deposit ratio (LDR) also encouraged banks to provide more funds, so that LDR influenced the amount of deposits.…”

Section: Resultsmentioning

confidence: 90%

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Factors Affecting Mudaraba Deposit in Islamic Commercial Bank in Indonesia

Sutrisno¹

2020

Proceedings of the 17 Th International Symposium on Management (INSYMA 2020)

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The purpose of this study is to investigate the factors that influence mudaraba deposits in Islamic commercial banks in Indonesia. Factors thought to influence mudaraba deposits are liquidity risk as measured by the financing to deposit ratio (FDR), credit risk as measured by non-performing financing (NPF), many branch offices, profit sharing indicator (PSI), and interest rates. The population in this study was 13 Islamic commercial banks operating in Indonesia with a sample of 8 Islamic commercial banks taken by purposive sampling method. To test the hypotheses, multiple regression analysis tools were used at a significance level of 0.05. The results showed that the indicator of profit-sharing did not affect mudaraba deposits, while liquidity risk (FDR), credit risk (NPF), and a number of branch offices had a significant positive effect on mudaraba deposits, while interest rates also had a significant but negative effect on mudaraba deposits.

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Section: Resultsmentioning

confidence: 90%

“…Yulianto & Solikhah (2016) suspected that the amount of mudaraba deposits is influenced by the need for financing (FDR). Harfiah et al (2016) found a signifi-cant and positive influence between FDR and mudaraba deposits. H2: Financing to deposit ratio has a positive effect on mudaraba deposits.…”

Section: Introductionmentioning

confidence: 84%

Factors Affecting Mudaraba Deposit in Islamic Commercial Bank in Indonesia

Sutrisno¹

2020

Proceedings of the 17 Th International Symposium on Management (INSYMA 2020)

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“…Meanwhile, research (Sabtatianto & Yusuf, 2018) explains that ROA has a significant positive effect on mudharabah deposits. The research was supported by (Nofianti et al, 2015;Harfiah et al, 2016;Purwati & Wicaksana, 2019;Susanto, 2019;Sulfiyani & Mais, 2019;Pasaribu et al, 2019). Farianto (2014) found that ROA had a significant negative effect on mudharabah deposits.…”

Section: Introductionmentioning

confidence: 74%

“…Meanwhile, the results of the study (Sabtatianto & Yusuf, 2018;Sulfiyani & Mais, 2019) had an insignificant negative effect. Different research results were obtained (Harfiah et al, 2016), where BOPO had a significant positive effect on mudharabah deposits. These results are supported by research results (Pasaribu et al, 2019).…”

Section: Introductionmentioning

confidence: 88%

Error Correction Model Analysis in Measuring the Effect of Bank Internal Factors on Mudharabah Deposits for Islamic Commercial Banks

Ardana¹,

Syamsiyah²,

Rohmi³

et al. 2021

El-Qish: j. of Islamic Economics

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Islamic bank products to raise public funds can be in the form of demand deposits (wadiah), savings (mudharabah), and deposits (mudharabah). One of the profit-sharing rates in Islamic banks comes from internal factors, namely Return on Assets, Capital Adequacy Ratio, Financing to Deposit Ratio, and Operational Expenses Operating Costs. This study will examine the effect of bank internal factors on mudharabah deposits of Islamic commercial banks using an econometric model, namely the error correction model. Findings. The results showed that the bank's internal variables had a significant effect on mudharabah deposits both in the short and long term. Variables Return on Assets, Capital Adequacy Ratio, and Operational Expenses Operational costs both short and long term have a negative effect on mudharabah deposits.

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“…Penelitian Yogi dan Ramantha (2013) serta Lia dan Erawati (2015) menunjukkan rasio BOPO berpengaruh negatif pada profitabilitas. Hasil yang berbeda ditunjukkan oleh hasil penelitian Limpaphayom dan Polwitoon (2004) yang menyatakan bahwa tidak ada pengaruh antara rasio BOPO dengan ROA dan menurutHarfiah et al (2016), rasio BOPO berpengaruh positif signifikan terhadap ROA. modal intelektual juga memberikan hasil yang tidak konsisten terhadap profitabilitas perusahaan.…”

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Pengaruh Rasio BOPO, Modal Intelektual, dan Pengungkapan Corporate Social Responsibility Pada Profitabilitas Perusahaan Perbankan

Swendriani

Dewi

2019

E-Jurnal Akuntansi

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ABSTRAKPenelitian ini bertujuan untuk memperoleh bukti empiris pengaruh rasio BOPO, modal intelektual, dan pengungkapan corporate social responsibility (CSR) pada profitabilitas perusahaan perbankan. Penelitian ini dilakukan pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2013-2017. Sampel ditentukan melalui metode non probability sampling dengan teknik purposive sampling. Jumlah sampel yang digunakan dalam penelitian ini berjumlah 60 sampel amatan. Teknik analisis data yang digunakan adalah analisis regresi linear berganda. Hasil dari penelitian ini menunjukkan bahwa rasio BOPO berpengaruh negatif pada profitabilitas perusahaan perbankan. Hasil penelitian ini juga menunjukkan bahwa modal intelektual dan pengungkapan CSR tidak berpengaruh pada profitabilitas perusahaan perbankan. Implikasi penelitian secara teoritis membuktikan teori stakeholder, teori legitimasi, dan teori resource-based dalam menjelaskan efisiensi operasional perusahaan perbankan. ABSTRACTThis study aims to obtain empirical evidence of the effect of BOPO ratio, intellectual capital, and corporate social responsibility (CSR) disclosure on profitability of banking companies. Research conducted on banking companies on the Indonesia Stock Exchange (IDX) for the 2013-2017 period. The sample is determined through non probability sampling method with purposive sampling technique. The number of samples used in this study were 60 observation samples. The data analysis technique used is the analysis of multiple linear regression analysis. The results of this study indicate that BOPO ratio show a negative effect on profitability of banking companies. The results also show that intellectual capital and CSR disclosure doesn't affect the probability of banking companies. The research implications theoretically prove stakeholder theory, legitimacy theory, and resource-based theory in explaining the operational efficiency of banking companies.

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The Impact of ROA, BOPO, and FDR to Indonesian Islamic Bank's Mudharabah Deposit Profit Sharing

Cited by 10 publications

References 1 publication

Factors Affecting Mudaraba Deposit in Islamic Commercial Bank in Indonesia

Factors Affecting Mudaraba Deposit in Islamic Commercial Bank in Indonesia

Error Correction Model Analysis in Measuring the Effect of Bank Internal Factors on Mudharabah Deposits for Islamic Commercial Banks

Pengaruh Rasio BOPO, Modal Intelektual, dan Pengungkapan Corporate Social Responsibility Pada Profitabilitas Perusahaan Perbankan

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