The Internal Factors Determining Rate of Return on Mudharaba Deposits in Sharia Commercial Banks in Indonesia

摘要

This study aims to determine and analyze the internal factors that affect the rate of return on mudharaba deposits at Sharia Commercial Banks in Indonesia. The populations in this study are 13 Sharia Commercial Banks. The sample used amounted to eight Commercial Banks in the first quarter of 2014- fourth quarter of 2016 by using purposive sampling. The method used in this research is a descriptive and verification method. The data collection technique is done through library research and internet research. The collected data is then analyzed by using regression pooling analysis using Fixed Effect Model (FEM). During a year 2014-2016 the rate of return on mudharaba deposits always decline, even lower than conventional bank interest rate. Furthermore, ROA tends to decline, NPF is at a high level and BOPO is high but it tends to show downward trend. The result showed that ROA, NPF and BOPO together significantly influence the rate of return on mudharaba deposits. Partially, show the result that ROA have positive and significant influence to the rate of return on mudharaba deposits, NPF has negative and significant effect to the rate of return on mudharaba deposits, and BOPO have positive and significant effect to the rate of return on mudharaba deposits.