ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MUDHARABAH BANK UMUM SYARIAH DI INDONESIA (PERIODE 2012.1-2018.7)
Abstract
Funding for profit sharing in general is a financing that can be profitable and has the
potential to move Indonesia in the real sector. However, the high level of risk in this
financing makes at least interest in this mudharabah financing even though the initial
purpose of establishing Islamic banks is the principle of profit sharing. The research
aims to analyze the effect of TPF, NPF, Promotion Costs and BOPO on Mudharabah
Financing of Islamic Commercial Banks in Indonesia. The method used in this study
is the Multiple Linear Analysis Regression method using Eviews 7 and the results of
this study show that DPK has a significant and positive effect on mudharabah
financing, NPF has a significant and positive effect on mudharabah financing,
Promotion Costs have a significant and Positive effect on Mudharabah financing,
Whereas BOPO has a negative and significant influence on Mudharabah financing.
In this study the variables that explained the independent variables were 91.04%
while the remaining 8.96% were explained by other variables.