Analisis Pengaruh Tingkat Bagi Hasil, Capital Adequacy Ratio (CAR), Dan Dana Pihak Ketiga Terhadap Pertumbuhan Deposito Mudharabah Pada Bank Muamalat Indonesia Periode 2015-2024
DOI:
https://doi.org/10.30739/jpsda.v6i1.4548Keywords:
Mudharabah Deposits, Profit-Sharing Rate, CAR, DPK, ARDL, Error Correction Model, Islamic BankingAbstract
This study aims to analyze the impact of the Profit-Sharing Rate, Capital Adequacy Ratio (CAR), and Third-Party Funds (DPK) on the growth of mudharabah deposits at Bank Muamalat Indonesia. The ARDL-ECM method is applied within this quantitative research to explore the inter-variable relationships more deeply. Through this framework, the study identifies both temporary short-term correlations and stable long-term relationships. The results indicate that, simultaneously, all three variables significantly influence the growth of mudharabah deposits. Partially, in the long run, all variables show a positive and significant effect, whereas in the short run, only DPK remains significant. These findings suggest that profit-sharing stability and capital strength play a crucial role in driving sustainable deposit growth, while short-term dynamics are more heavily influenced by fund-raising intensity. The novelty of this research lies in the use of the ARDL-ECM approach to detect differences in Sharia customer behavior toward banking indicators across two distinct timeframes
Downloads
References
Agustine, H. K., Saleh, M., & Suhayati, R. (2021). Implementasi Akad Deposito Mudharabah Di Bank Muamalat Indonesia cabang tegal Ditinjau dari Hukum Islam dan Hukum Positif. Al Barakat - Jurnal Kajian Hukum Ekonomi Syariah, 1(01), 17. https://doi.org/10.59270/jab.v1i01.43
Alam, N. (2025). Analisis Capital Adequacy Ratio, Non-Performing Loan/NP terhadap Pertumbuhan Kredit melalui Loan to Deposit Ratio/LDR pada Industri Perbankan. Economics and Digital Business Review, 6(2), 1129–1141.
Alimusa, L. O. (2022). Kajian Konsep Akad dan Jenis Produk Perhimpunan Dana Bank Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 8(3), 2511. https://doi.org/10.29040/jiei.v8i3.6488
Allen, F., & Santomero, A. M. (1997). The Theory of Financial Intermediation. Journal of Banking & Finance, 21(11–12), 1461–1485. https://doi.org/10.1016/S0378-4266(97)00032-0
Amanda, F. A., Yafiz, M., & Anggraini, T. (2024). Pengaruh tingkat bagi hasil, financing to deposit ratio (FDR), dan inflasi terhadap deposito mudharabah perbankan syariah. Jurnal Tabarru’: Islamic Banking and Finance, 7(1), 42–53.
Amin, H. Al, Herwinsyah, R., Harianto, S., & Kharisma, T. P. (2022). Pengaruh Non-Performing Financing, Financing to Deposit Ratio dan Capital Adequacy Ratio Terhadap Pembiayaan Mudharabah Musyarakah pada PT. Bank Syariah Bukopin. Jurnal EMT KITA, 6(1), 158–168. https://doi.org/10.35870/emt.v6i1.549
Ariani, R. S., Parno, P., & Pratiwi, A. (2022). Pengaruh Dana Pihak Ketiga (DPK), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) dan Return on Asset (ROA) Terhadap Total Aset Perbankan Syariah di Indonesia. Etihad: Journal of Islamic Banking and Finance, 2(1), 32–46. https://doi.org/10.21154/etihad.v2i1.3958
Ben Amar, A., & O. El Alaoui, A. (2023). Profit- and Loss-Sharing Partnership: The Case of the Two-Tier Mudharaba in Islamic Banking. International Journal of Islamic and Middle Eastern Finance and Management, 16(1), 81–102. https://doi.org/10.1108/IMEFM-12-2020-0630
Beni, B., Meriyati, M., & Choiriyah, C. (2021). Analisis Penerapan Sistem Bagi Hasil Pada Pembiayaan Mudharabah di PT BPRS Al-Falah Banyuasin Tahun 2021. Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA), 1(2), 159–170. https://doi.org/10.36908/jimpa.v1i2.33
Cintia, R., & Sukardi, S. (2023). Pengaruh Biaya Promosi, Bagi Hasil, dan Inflasi Terhadap Jumlah Deposito Mudharabah pada PT BPRS Gebu Prima. Journal of Economics and Business UBS, 12(1), 246–259.
Heriyanto, H., & Taufiq, T. (2024). Nilai-Nilai Ekonomi dan Etika Bisnis Dalam Perspektif Islam. Jimmi: Jurnal Ilmiah Mahasiswa Multidisiplin, 1(1), 24–37. https://doi.org/10.71153/jimmi.v1i1.99
Maulana, N., & Zulfahmi. (2022). Potensi Pengembangan Industri Halal Indonesia di Tengah Persaingan Halal Global. Jurnal Iqtisaduna, 8(2), 136–150. https://doi.org/10.24252/iqtisaduna.v8i2.32465
Melani, A., & Sugiarto, A. (2023). Pengaruh Kinerja Keuangan Terhadap Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah di Indonesia Tahun 2016-2020. Journal of Islamic Accounting Competency, 3(1), 38–53. https://doi.org/10.30631/jisacc.v3i1.1361
Muhammad Syahrul Hidayat. (2023). Mengurai Potensi Ekonomi Syariah sebagai Solusi Krisis Keuangan Global: Kajian Mendalam melalui Studi Literatur. ALAMIAH?: Jurnal Muamalah Dan Ekonomi Syariah, 4(02), 21–25. https://doi.org/10.56406/jurnalalamiah.v4i02.220
Muhammad Zafrudin, Ekawati, & Fajar Nasrullah. (2025). Inovasi Pemerintah dalam Meningkatkan Industri Keuangan Berbasis Syariah. Jurnal Dinamika Sosial Dan Sains, 1(4), 351–357. https://doi.org/10.60145/jdss.v1i4.90
Oktaviani, N. R., & Riyadi, S. (2021). Pengaruh Non Performing Financing, Financing to Deposit Ratio, dan Capital Adequacy Ratio terhadap Tingkat Bagi Hasil Deposito Mudharabah. Jurnal Ilmu Manajemen, 10(2), 123. https://doi.org/10.32502/jimn.v10i2.3260
Pradana, T., Nur Diana, I., & Rofiq, A. (2022). The Effect of Third Party Funds on The Profitability of Islamic Commercial Banks in Indonesia . Jurnal Tabarru’: Islamic Banking and Finance, 5(1), 150–157. https://doi.org/10.25299/jtb.2022.vol5(1).9192
Salamah, A. (2023). Prinsip Kehati-Hatian (Prudential Banking Principles) Dalam Pembiayaan Syariah Untuk Mengurangi Resiko Kredit Macet (Non-Performing Loan). VERITAS, 9(1), 97–110. https://doi.org/10.34005/veritas.v9i1.2598
Saleem, A., Sági, J., & Setiawan, B. (2021). Islamic Financial Depth, Financial Intermediation, and Sustainable Economic Growth: ARDL Approach. Economies, 9(2), 49. https://doi.org/10.3390/economies9020049
Soimun Rohman, Ermawati, & Ruslan, M. (2021). Implementasi Fatwa Dewan Syariah Nasional Nomor. 03/DSN-MUI/IV/2000 Tentang Deposito (Studi Pada Bank Muamalat Indonesia Cabang Palu). Tadayun: Jurnal Hukum Ekonomi Syariah, 1(2), 181–196. https://doi.org/10.24239/tadayun.v1i2.10
Sudiarti, S., Syarvina, W., & Putri Pohan, I. E. (2023). Pengaruh Dana Pihak Ketiga Dan Rasio Keuangan Terhadap Bagi Hasil Mudharabah Dengan Return On Asset Sebagai Variabel Moderating Pada Bank Umum Syariah Periode (2017-2021). Jurnal Manajemen Akuntansi (JUMSI), 3(3), 840–860. https://doi.org/10.36987/jumsi.v3i3.4223
Sutrisno, S., & Widarjono, A. (2022). Is Profit–Loss-Sharing Financing Matter for Islamic Bank’s Profitability? The Indonesian Case. Risks, 10(11), 207. https://doi.org/10.3390/risks10110207
Syera, I. A., & Affiah, H. (2021). Pengaruh Capital Adequacy Ratio Dan Non Performing Financing Terhadap Return Bagi Hasil Deposito Mudharabah Bank Umum Syariah. JURNAL EKUIVALENSI, 7(2), 332–344. https://doi.org/10.51158/ekuivalensi.v7i2.516
Tiara Shalihah Salsabila, Egidia Amalia Putri, Nurul Khusnah, & Andi Amri. (2023). Analisis Penerapan Sistem Bagi Hasil pada Deposito Mudharabah Bank BSI (KK Jakarta UHAMKA). Jurnal Price?: Ekonomi Dan Akuntasi, 2(2), 79–85. https://doi.org/10.58471/jecoa.v2i2.3628
Whardana, K. K., Septian Haerisma, A., & Wartoyo. (2025). Pengaruh Dana Pihak Ketiga (DPK) Terhadap Pembiayaan Pada Bank Syariah Indonesia. AB-JOIEC: Al-Bahjah Journal of Islamic Economics, 3(01), 20–32. https://doi.org/10.61553/abjoiec.v3i01.239
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
Copyright (c) 2026 Dea Rahmalia Kasini, Alvien Septian Haerisma, Sri Rokhlinasari
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
