Factors Affecting Mudaraba Deposit in Islamic Commercial Bank in Indonesia

摘要

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.