Agung Yulianto, Akuntansi FE (2016) The Internal Factors of Indonesian Sharia Banking to Predict The Mudharabah Deposits. Review Integrative Business Economics Research, 5 (1). pp. 210-218. ISSN ISSN: 2304-1013 (Online); 2304-1269 (CDROM)

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Abstract

In the recent years, Islamic banking in Indonesia is growing rapidly. The data of Bank Indonesia shows that the number of Islamic banking instruments such as mudharabah deposits has increased both in the number and the total value. The objective of this research is to analyze the influence of Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) on Mudharabah Deposits of Indonesian Islamic Banking in the period from 2010 to 2013. The sample of this study was 11 Islamic Commercial Banks and 23 Islamic Business Units of Conventional Bank in Indonesia. Secondary data was collected from the Islamic Banking Statistics of Bank Indonesia official website. The data analysis technique used in this study was multiple regression analysis. Based on statistical analysis, it is concluded that Non Performing Financing (NPF) effect on Mudharabah Deposits. Meanwhile, Financing to Deposit Ratio (FDR) has no effect on the Mudharabah Deposits. The results indicate that the customers’ motivation to save their money in the bank is to invest in Islamic financial instruments in accordance with Islamic principles, so that customers do not pay much attention to factors such as the level of Financing to Deposit Ratio (FDR).

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