ANALISIS FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2013-2016

Abstract

Mudharabah financing is a business cooperation contract between two parties in which the first party (shahibul maal) provides all capital (100%), while the other party becomes the manager (mudharib). The purpose of this study is to determine whether there is influence between ROA (Return On Asset), Capital Adequacy Ratio (ROA), ROE (Return On Equity) and FDR (Financing to Deposit Ratio) to mudharabah financing at Sharia Commercial Bank in Indonesia in 2013 -2016, with the total sample of all sharia commercial banks registered in Indonesia for 2013-2016 period. By using purposive sampling technique from 11 samples only 7 samples which included the research criteria.  The result of analysis of this research shows that ROA (Return On Asset), Capital Adequacy Ratio (ROA), ROE (Return On Equity) and FDR (Financing to Deposit Ratio) simultaneously have significant effect on mudharabah financing at Syariah Bank in Indonesia period 2013-2016. While partially from the four variables are ROA (Return On Asset), CAR (Capital Adequacy Ratio), ROE (Return On Equity) and FDR (Financing to Deposit Ratio) positively affect mudharabah financing at Sharia Commercial Bank in Indonesia period 2013-2016 .