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

Authors

  • Binti Nur Asiyah Department of Islamic Banking, Faculty of Islamic Business and Economics, Institut Agama Islam Negeri Tulungagung
  • Ria Aidiawati Department of Islamic Banking, Faculty of Islamic Business and Economics, Institut Agama Islam Negeri Tulungagung
  • Amin Wahyudi Department of Islamic Banking, Faculty of Islamic Business and Economics, Institut Agama Islam Negeri Ponorogo
  • Ishan Azis Departemen of Islamic Economic, Sekolah Tinggi Agama Islam Darud Dakwah Wal Irsyad Pangkep
  • Intan Qurratulaini Department of Islamic Economics, Faculty of Islamic Business and Economics, Universitas Islam Negeri Ar-Raniry, Aceh

DOI:

https://doi.org/10.26740/al-uqud.v5n2.p203-217

Keywords:

Financing to Deposit Ratio, Mudaraba Financing, Return on Assets, Temporary Shirkah Funds.

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 to examine 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 Shirkah Funds have a positive and significant effect on Mudaraba Financing; (2) Return on Assets has a positive and significant effect on Mudaraba Financing; (3) The Financing to Deposit Ratio has a positive and significant effect on Mudaraba Financing; (4) simultaneously Temporary Shirkah Funds, Return on Assets, Financing to Deposit Ratio have a positive and significant effect on Mudaraba Financing. The practical implication of this research is that Islamic banks prioritize Mudaraba Financing to be in line with increasing Murabaha Financing.

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Published

2021-07-24

How to Cite

Asiyah, B. N., Aidiawati, R., Wahyudi, A., Azis, I., & Qurratulaini, I. (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), 203–217. https://doi.org/10.26740/al-uqud.v5n2.p203-217

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