PENGARUH ROA, BOPO, DAN CAR TERHADAP BAGI HASIL DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA (TAHUN 2018 - 2023)

Sitti Yuliani Hofifah, Maslichah Maslichah, Arista Fauzi Kartika Sari

Abstract


The purpose of this research is to examine how ROA, BOPO, and CAR affect the distribution of income from Mudharabah deposits in public Sharia banks in Indonesia. This research applies indirect data obtained from the annual financial statements of general Sharia banks recorded with the OJK between 2018 and 2023. The results of the research by applying the multiple linear regression approach indicate that the profit sharing of Mudharabah deposits is sig. affected by the ROA, BOPO, and CAR variables simultaneously. However, the distribution of profits is not affected. by ROA or BOPO, but only CAR has a negative effect and sig. partially. This research is planned to help in the preparation of Sharia bank strategies to increase performance and competitiveness, especially in the management of Mudharabah deposits.

Keywords: ROA, BOPO, CAR


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References


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