ANALISIS PENGARUH RETURN ON ASSET, BOPO, DAN SUKU BUNGA TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH

Abstract

This study aims to analyze the effect of Return on Asset (ROA), BOPO, and interest rate to the the level
of profit sharing mudharabah deposits.

The population in this study is a Islamic bank in Indonesia. The population of this study were 11 Islamic
banks and the total sample of 3 banks. In purposive sampling using random sampling with criteria of
Islamic Banks serving quarterly financial statements in the year 2009-2011.The analysis technique
used in this study is multiple linear regression to obtain a comprehensive picture of the relationship
between variables that one with the other variables. In addition, the hypothesis test used was the ttest

statistic for testing the partial regression coefficient and test F-statistic for testing significance
together with the significance level of 5%. Classic assumption test covering normality test,
multicollinearity, heteroscedasticity test, and the autocorrelation test is also used in this study.

The results of this study indicate that ROA, BOPO, and Interest Rates simultaneously have significant
effect on the level of profit sharing mudharabah deposits with significant > 5%, ROA is partially have
significant negative effect on the level of profit sharing mudharabah deposits with significant 0.018,
and Interest Rate partial effect have significant positive  effect with a significant of 0.013, while the
partial BOPO have’t sigifiat effet o the level of profit sharig udaraa deposits.
 
Keywords : Return on Assets (ROA), BOPO, Interest Rate, Profit Sharing