El-Qish: Journal of Islamic Economics
Vol. 1 No. 2 (2021)

Error Correction Model Analysis in Measuring the Effect of Bank Internal Factors on Mudharabah Deposits for Islamic Commercial Banks

Yudhistira Ardana (Metro State Islamic Institute)
Nur Syamsiyah (Metro State Islamic Institute)
Misfi Laili Rohmi (Metro State Islamic Institute)
Lilis Renfiana (Metro State Islamic Institute)

Article Info

Publish Date
04 Dec 2021

Abstract

Islamic bank products to raise public funds can be in the form of demand deposits (wadiah), savings (mudharabah), and deposits (mudharabah). One of the profit-sharing rates in Islamic banks comes from internal factors, namely Return on Assets, Capital Adequacy Ratio, Financing to Deposit Ratio, and Operational Expenses Operating Costs. This study will examine the effect of bank internal factors on mudharabah deposits of Islamic commercial banks using an econometric model, namely the error correction model. Findings. The results showed that the bank's internal variables had a significant effect on mudharabah deposits both in the short and long term. Variables Return on Assets, Capital Adequacy Ratio, and Operational Expenses Operational costs both short and long term have a negative effect on mudharabah deposits.

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Journal Info
El-Qish: Journal of Islamic Economics
Website

Abbrev

elqish

Publisher

Universitas Terbuka

Subject

Economics, Econometrics & Finance

Description

El-Qish invites scholars, researchers, and students to contribute the result of their studies and research in the areas related to Islamic economics, Islamic Macroeconomics, Islamic Monetary, Islamic Microeconomics, Islamic finance, Islamic Business, Islamic Human Resource Management, Islamic ...