A Study of Mudaraba Financing in Indonesia The Effect of Temporary Shirkah Fund, Return on Asset ROA, Financing to Deposit Ratio FDR

Asiyah, Binti Nur and Aidiawati, Ria and Wahyudi, Amin and Azis, Ishan and Qurratulaini, Intan (2021) A Study of Mudaraba Financing in Indonesia The Effect of Temporary Shirkah Fund, Return on Asset ROA, Financing to Deposit Ratio FDR. al-Uqud : Journal of Islamic Economics, 5 (2). pp. 203-217. ISSN 2549-0850

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Abstract

This article discusses the decline of distribution of mudaraba financing from 2017 to 2019 in a sharia bank in Indonesia, which impacted asset productivity. This study intends toexamine the effect of Temporary Shirkah Funds, and Financing to Deposit Ratio on Mudaraba Financing. This study uses a quantitative approach, especially associative research. The sampling technique is non-probability sampling, and the data analysis is multiple regression. The results of this study indicate that (1) Temporary ShirkahFunds have a positive and significant effect on Mudaraba Financing; (2) Return on Assets has a positive and significant effect on MudarabaFinancing; (3) The Financing to Deposit Ratio has a positive and significant effect on Mudaraba Financing; (4) simultaneously Temporary ShirkahFunds, Return on Assets, Financing to Deposit Ratio have a positive and significant effect on MudarabaFinancing. The practical implication of this research is that Islamic banks prioritize Mudaraba Financing to be in line with increasing MurabahaFinancing

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