This study aims to analyze the effect of Return On Asset, Operating Expenses to Operating Revenue, Minimum Capital Requirement, and Financing to Deposit Ratio toward Profit Sharing Rate of Mudharabah Deposit of Sharia Commercial Banks in Indonesia Period 2015-2019, either simultaneously or partially.
This population in this study were all Sharia Commercial Banks in Indonesia period 2015-2019, while the sample in this study were 6 (six) Sharia Commercial Banks in period 2015-2019, which were selected using purposive sampling technique. The analysis model in this study is using panel data multiple regression method, while the analysis technique usesd the simultaneous (F test), determinatiom coefficient test (R2), and partial test (t test) which is processed using Eviews 10 program.
The result of this study showed that the Return On Asset, Operating Expenses to Operating Revenue, Minimum Capital Requirement, and Financing to Deposit Ratio simultaneously have a significant effect toward Profit Sharing Rate of Mudharabah Deposit at Sharia Commercial Banks in Indonesia period 2015-2019. Furthermore Return On Asset partially has a negative effect and insignificant effect toward Profit Sharing Rate of Mudharabah Deposit, Operating Expenses to Operating Revenue and Minimum Capital Requirement partially have a negative effect and significant toward Profit Sharing Rate of Mudharabah Deposit, and Financing to Deposit Ratio partially has a positive effect and significant toward Profit Sharing Rate of Mudharabah Deposit at Sharia Commercial Banks in Indonesia period 2015-2019.