Open AccessThe Impact of ROA, BOPO, FDR, CAR, NPF on Mudharabah Profit Sharing Rate
Author(s) -
Bramandita Bramandita,
Harun Harun
Publication year - 2020
Publication title -
journal of islamic economic laws
Language(s) - English
Resource type - Journals
eISSN - 2655-9617
pISSN - 2655-9609
DOI - 10.23917/jisel.v3i2.11335
Subject(s) - profit sharing , commercial bank , capital adequacy ratio , business , return on assets , profit (economics) , ordinary least squares , earnings before interest and taxes , econometrics , economics , finance , microeconomics , profitability index
This research was conducted to analyze the effect of Return on Assets (ROA), Operational Cost of Operating Income (BOPO), Financing Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Non-Performing Financing (NPF) on the level of profit-sharing at Mudharabah Banks Syariah with Case Study of BNI Syariah Bank in Indonesia. The data used is using the data recorded in the Financial Services Authority and financial reports published in 2016-2018. The data analysis method that will be used is Ordinary Least Square OLS after a series of Classical Assumptions tests. This research results that were partially finding the independent variables ROA, BOPO, FDR, and CAR have a significant effect. Meanwhile, the NPF variable does not have a significant effect on the Mudharabah Profit Sharing variable. This study shows that the NPF ratio is a picture of non-performing loans that do not significantly affect mudharabah profit-sharing, emphasizing the superiority of sharia contracts, especially mudharabah contracts.