Iqbal, M and Lidyah, Rika and Arief, Muhammad (2021) Pengaruh Suku Bunga Terhadap Bagi Hasil Deposito Mudharabah Dengan Mediasi Return On Asset (ROA). I-Finance: a Research Journal on Islamic Finance, 7 (1). pp. 56-70. ISSN 2476-8871
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Abstract
This study aims to determine the effect of Interest Rates on Profit Sharing of Mudharabah Deposits with the Mediation of Return On Indonesia (ROA) at Islamic Commercial Banks in Indonesia in 2014-2018. The sample selection used a purposive sampling method,namely the quarterly financial statements of 3 Islamic commercial banks in Indonesia. The analysis technique used is multiple regression and the Sobel test. The results of the study partially have a positive effect on interest rates for mudharabah deposits yields of 2.432 with a significance value of 0.018, interest rates have a negative effect on ROA of -2.462 with a significance value of 0.017. ROA has a negative effect on the profit-sharing of mudharabah deposits of -9.737 with a significance value of 0.000. The effect of interest rates on profit sharing for mudharabah deposits with ROA mediation is included in the partial mediation model which has a positive effect of 0.1908 with a significance value of 0.0182 and is also supported by the Sobel test with a large effect of 2.38667730 z-value > 1.96 and a significant number on the one-tailed probability of 0.00850070 p-values <0.05. The conclusion is that interest rates have a positive effect on the profit-sharing of mudharabah deposits and have a negativeeffect on ROA. ROA has a negative effect on profit sharing for mudharabah deposits and ROA can also indirectly mediate between interest rates and profit sharing for mudharabah deposits.
| Item Type: | Article |
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| Subjects: | Ekonomi dan Bisnis Islam > Perbankan Syariah |
| Divisions: | Fakultas Ekonomi dan Bisnis Islam > 61206 - Perbankan Syariah (S1) |
| Depositing User: | Rika Lidyah |
| Date Deposited: | 06 Jun 2022 02:03 |
| Last Modified: | 06 Jun 2022 02:03 |
| URI: | http://repository.radenfatah.ac.id/id/eprint/20553 |
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