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THE ANALYSIS OF THE EFFECT OF FDR, NPF, AND DPK ON PROFIT-SHARING-BASED MUDHARABAH FINANCING IN BANKS SHARIA IN INDONESIA PERIOD 2012-2018 ferri alfadri; muhammad arif; ticha ticha; taufik taufik
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6452

Abstract

This research is motivated The background in this study is the occurrence of variable mudharabah financing fluctuations in 2012-2018 in Islamic banking. The formulation of the problem in this study is whether there is an influence of financing to deposit ratio, nonperforming financing, and third-party funds on profit-sharing-based mudharabah financing in Islamic banking in Indonesia in 2012-2018. This study aims to determine the effect of FDR, NPF, and DPK on Mudharabah financing in Islamic Banking, which consists of Islamic commercial banks and Islamic business units in Indonesia. This research is quantitative research with secondary data. The sample in the study used a saturated sampling technique. The number of samples is 84 samples. The data analysis method used in this research is descriptive statistical analysis, normality test, classic assumption test consisting of multicollinearity test, heteroscedasticity test, autocorrelation test, then hypothesis testing, and multiple linear regression tests. Based on the partial test result (t-test) showed that FDR affected mudharabah financing, then the NPF variable influenced mudharabah financing, and the DPK variable influenced mudharabah financing then the Anova test (F test) simultaneously the FDR, NPF, and DPK variables had a positive effect on mudharabah financing.