Rizky Hariyadi
UIN Fatmawati Sukarno Bengkulu

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Journal : Journal of Economic, Bussines and Accounting (COSTING)

Pengaruh Pembiayaan Mudharabah dan Musyarakah terhadap Financing to Deposit Ratio (FDR) pada Bank Umum Syariah di Indonesia Elya Saputri; Eka Sri Wahyuni; Rizky Hariyadi
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 2 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i2.8412

Abstract

The purpose of this study was determine the effect of Mudharabah and Musyarakah Financing on Financing To Deposit Ratio (FDR) at Islamic Commercial Banks in Indonesia in 2020-2022, on a quarterly basis. This study uses quantitative methods using secondary data in the form of quarterly financial reports of Islamic Commercial Banks in 2020-2022. Data analysis using descriptive statistics, classical assumption test, multiple linear regression analysis, t-test, F-test, and coefficient of determination through the IBM SPSS 25. The results revealed that mudharabah financing partially had a significant effect on the Financing To Deposit Ratio (FDR) at Islamic Commercial Banks in Indonesia in 2020-2022. On the other hand, musyarakah financing partially has no significant effect on the Financing To Deposit Ratio (FDR) of Islamic Commercial Banks in Indonesia in 2020-2022. Meanwhile, mudharabah and musyarakah financing simultaneously affect the Financing To Deposit Ratio (FDR) at Islamic Commercial Banks in Indonesia in 2020-2022.