PENGARUH FINANCING TO DEPOSIT RATIO (FDR), NON PERFORMING FINANCING (NPF), RETURN ON ASSETS (ROA), DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP PEMBIAYAAN MUDHARABAH (Survey Pada Bank Syariah Yang Listing Di Bursa Efek Indonesia Pada Tahun 2009-2013)
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Date
2015-08-25
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International Conference and Ph.D. Colloquium on Islamic Economics and Finance 2015 (ICIEF '15),Universitas Airlangga Department of Sharia Economics & Universitas Mataram Faculty of Economics
Abstract
This research empirically test the effect of financing to deposit ratio, non performing financing, return on assets and capital adequacy ratio toward Mudharabah. This research indicate that financing to deposit ratio, non performing financing, return on assets and capital adequacy ratio affect the level of Mudharabah. The purpose of this research is to find out about the impact of financing to deposit ratio, non performing financing, return on assets and capital adequacy ratio toward Mudharabah.
Consistent with the hypothesis, result from multiple regression analysis of 11 listed bank in Indonesian Stock Exchange indicate that bank with larger proportion of outside directors on the board of directors and classification of audit firms, both of them are significantly affect the likelihood of earnings management.
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Keywords
FDR, NPF, ROA, CAR, Mudharabah