Pengaruh Pembiayaan Mudharabah dan Musyarakah Terhadap Financing to Deposit Ratio (FDR) Pada Bank Muamalat Indonesia Periode 2016-2023

Abstract

The purpose of this research is to identify how influential mudharabah financing and musyarakah financing on financing to deposit ratio (FDR) at bank muamalat Indonesia for the period 2016-2023. Independent variables include mudharabah financing (X1), musyarakah financing (X2) and the dependent variable financing to deposit ratio (FDR) at Muamalat Bank Indonesia for the period 2016-2023. dependent variable financing to deposit ratio (FDR) (Y). This research uses a quantitative quantitative approach by using descriptive and associative methods. The population The main population is mudharabah financing and musyarakah financing as well as financing to deposit ratio (FDR). financing to deposit ratio (FDR) at Bank Muamalat for the period 2016-2023. Sample using a purposive sampling approach with a total of 32 data in 2016-2023. 2016-2023, the data used secondary data derived from quarterly reports financial reports of bank muamalat Indonesia for the period 2016-2023. Research results concluded that the mudharabah financing variable had no significant and partial effect on the financing to deposit ratio. significant and partial effect on financing to deposit ratio (FDR) in Indonesian muamalat banks for the period 2016-2023. Musyarakah financing variable has a significant and partial effect on the financing to deposit ratio (FDR) of Indonesian muamalat banks for the period 2016-2023. Mudharabah financing and musyarakah financing variables significantly and simultaneously affect the financing to deposit ratio (FDR) of Indonesian muamalat banks 2016-2023.