Financial Performance of Islamic Commercial Banks and Profit Sharing Rates of Mudharabah Deposits in Indonesia

Abstract

This study aims to examine the effect of Return on Assets (ROA), Capital Adequacy Ratio (CAR) and total operating expenses and total operating income (BOPO) on the rate of profit sharing on mudharabah deposits at Islamic Commercial Banks during the 2015-2019 period. This study uses a descriptive quantitative approach through the tool of statistical software Warp PLS 7.0. Therefore, the data used in this study is secondary data quoted directly from the online financial services authority website. Based on the estimation results, it was found that the ROA variable had no significant effect on the variable rate of profit sharing for Mudharabah deposits. While the CAR and BOPO variables have a significant effect on the rate of profit sharing for Mudharabah Deposits at Islamic Commercial Banks during the 2015-2019 period.