Error Correction Model Analysis in Measuring the Effect of Bank Internal Factors on Mudharabah Deposits for Islamic Commercial Banks
Keywords:Bank Internal Factors, Mudharabah Deposits, Sharia Commercial Bank
Islamic bank products to raise public funds can be in the form of demand deposits (wadiah), savings (mudharabah), and deposits (mudharabah). One of the profit-sharing rates in Islamic banks comes from internal factors, namely Return on Assets, Capital Adequacy Ratio, Financing to Deposit Ratio, and Operational Expenses Operating Costs. This study will examine the effect of bank internal factors on mudharabah deposits of Islamic commercial banks using an econometric model, namely the error correction model. Findings. The results showed that the bank's internal variables had a significant effect on mudharabah deposits both in the short and long term. Variables Return on Assets, Capital Adequacy Ratio, and Operational Expenses Operational costs both short and long term have a negative effect on mudharabah deposits.
Ajija, S. R, Wulandari, D., Setianto, RH, & Primanthi. MR (2011). Smart Ways to Master Eviews. Jakarta: Salemba Empat
Andarini, IP 2013. The Effect of Financial Performance Persistence and Efficiency on Rate Of Return on Mudharabah Savings. Thesis of UIN Sunan Kalijaga. Yogyakarta.
Anwar, C., & Miqdad, M. (2017). The Effect of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Return On Assets (ROA) on Mudharabah Financing at Islamic Commercial Banks in 2008 â€“ 2012. OWNER Research & Accounting Journal. 1(1), 42-47.https://owner.polgan.ac.id/index.php/owner/article/view/14
Ariefianto, MD (2012.) Econometrics essence and application using EViews. Jakarta: Erlangga.
Athokorala, PC., and Sen, K. (2004). The Determinants of Private Saving in India. World Development. 32(3), 491â€“503.https://doi.org/10.1016/j.worlddev.2003.07.008
Ayufianti, NE, & Suprayogi, N. (2019). Meta-Analysis: Variables Affecting Profit Sharing Rates for Mudharabah Deposits (Study on Islamic Commercial Banks in Indonesia). Journal of Theoretical and Applied Islamic Economics. 7(4), 646-658. two :http://dx.doi.org/10.20473/vol7iss20204pp646-658
Daulay, R. (2010). Analysis of Services and Profit Sharing on Customer Savings Decisions at Islamic Banks in Medan City. Journal of Management & Business. 10(1). two :https://doi.org/10.30596/jrab.v12i1.91
Fadilawati, N., & Fitri, M. (2019). The Effect of Return on Assets, Operational Costs on Operating Income, Financing To Deposit Ratio, and Non-Performing Financing on Profit Sharing Rates for Mudharabah Deposits (Empirical Study on Islamic Commercial Banks in Indonesia for the 2012-2015 Period). Scientific Journal of Accounting Economics Students (JIMEKA). 4(1), 87-97. two :https://doi.org/10.24815/jimeka.v4i1.110800
Farianto, A. (2014). Analysis of the Effect of Return on Assets (ROA), BOPO and BI Rate on Profit Sharing Rates for Mudharabah Deposits at Islamic Commercial Banks in Indonesia in 2012 â€“ 2013. Journal of EQUILIBRIUM. Vol 2(1), 104-125. two :http://dx.doi.org/10.21043/equilibrium.v2i1.713
Faza, Z. & Laily, UF (2018). The Effect of Return On Assets, Return On Equity, and Financing To Deposit Ratio on Profit Sharing Rates for Mudharabah Deposits (In Islamic Commercial Banks for the Period 2012-2017). El-Qist Journal. 8(1), 1597-1617. two :https://doi.org/10.15642/elqist.2018.8.1.1597-1617
Gerrard, P., and Cunningham, JB (1997). Islamic Banking: A Study in Singapore. The International Journal of Bank Marketing. 15(6), 204-416.https://doi.org/10.1108/02652329710184433
Gujarati, DN (2013). Fundamentals of Econometrics, Fifth Edition. Mangunsong, RC, translator. Jakarta: Salemba Empat.
Harfiah, LM, Purwati, AS, & Ulfah, P. (2016). The Impact Of ROA, BOPO, And FDR To Indonesian Islamic Bank's Mudharabah Deposit Profit Sharing. Journal of Ethics. 15(1), 19-30. two :http://dx.doi.org/10.15408/etk.v15i1.3109
Haron, S., and Ahmad, N. (2000). The Effects of Conventional Interest Rates and Rate of Profit on Funds Deposited With Islamic Banking System in Malaysia. Journal of Islamic Financial Services. 1(4).http://www.iaif.ir/images/khareji/articles/bank/3.pdf
Marris, E. 2017. The Effect of Return on Assets (ROA), BOPO, Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) and Non-Performing Financing (NPF) on Profit Sharing Rates on Mudharabah Deposits at Islamic Commercial Banks in Indonesia ( period 2012-2015). STIE IBS Student Scientific Journal.http:// http://repository.ibs.ac.id/162/
Metawa, SA and Almossawi, A. (1998). Banking Behavior of Islamic Bank Customers: Perspectives and Implications. The International Journal of Bank Marketing. Vol 16 (7), 299-313.https://doi.org/10.1108/02652329810246028
Novianti, N., Badina, T., & Erlangga, A. (2015). Analysis of the Effect of Return on Assets (ROA), Operating Costs on Operating Income (BOPO), Interest Rates, Financing To Deposits Ratio (FDR) and Non Performing Financing (NPF) on Profit Sharing Rates for Mudharabah Deposits (Empirical Study on Islamic Commercial Banks in Indonesia 2011-2013). ESSENCE of Journal of Business and Management. 5(1), 65-86. two :http://dx.doi.org/10.15408/ess.v5i1.2333
Pasaribu, DSO, Irfan., & Sari, M. (2019). The Effect of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Profitability and Operational Cost of Operational Income (BOPO) on the Mudharabah Financing of Sharia Commercial Banks In Indonesia. PROCEEDING CelSciTech-UMRI. 25-29.https://ejurnal.umri.ac.id/index.php/PCST/
Purwati, D. & Wicaksana, RS (2019). Analysis of the Effect of Return on Assets (Roa), Bopo, and Bi-Rate on Profit Sharing Rates for Funding Products with Mudharabah Mutlaqah Contract Scheme (Study on Bank Syariah Mandiri Period 2011 - 2018). Aghniya Journal of Islamic Economics. 2(1), 384-396.http://jurnal.umsu.ac.id/index.php/AGHNIYA/article/view/3903
Romer, D. (2001). Advanced Macroeconomics, 2nd ed. McGrawHill
Sri, A., Anggraini, R., Gurendrawati, E., & Hasanah, M. (2013). The Influence of Third-Party Funds, Car, Npf and Roa Against the Financing of A General Sharia-Based Bank in Indonesia. International Conference on Business, Economics, and Accounting, 20-23 March in Bangkok, Thailand.
Sabtatianto, R., & Yusuf, M. (2018). The Influence of BOPO, CAR, FDR and ROA on the Profit Sharing Rate of Mudharabah Deposits at Islamic Commercial Banks in Indonesia (Study on Islamic Commercial Banks in Indonesia). ULTIMA Accounting. 10(2), 169-186. two :https://doi.org/10.31937/akuntansi.v10i2.978
Sulfiani, N., & Mais, R. (2019). Analisis Pengaruh Kinerja Keuangan Terhadap Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah Di Indonesia Tahun 2012â€“2018. Jurnal STEI Ekonomi, 28(01), 122 - 142. https://doi.org/10.36406/jemi.v28i01.263
Susanto, E. (2019). Analysis of the Effect of ROA, FDR, Capital, CAR on the Rate Of Return on Mudharabah Deposits at PT Bank Syariah Mandiri. Journal of Islamic Economics. 10(2), 138-151.https://journal.uhamka.ac.id/index.php/jei/article/view/3996
Yulinartati, Probowulan, D., & Putri, DAA (2020). Factors Affecting the Profit Sharing Rate of Mudharabah Deposits at BMT Maslahah in Situbondo Regency.JEAM. 19(1), 61-76. two :https://doi.org/10.19184/jeam.v19i1.17608