PENGARUH INFLASI, BI RATE, FINANCING TO DEPOSIT RATIO, RETURN ON ASSET, DAN NON PERFORMING FINANCING TERHADAP EQIUVALENT RATE BAGI HASIL DEPOSITO MUDHARABAH PERBANKAN SYARIAH

The Indonesian sharia banking has passed twenty years of depelovement period but can’t reach even 5% of Indonesian national banking market share. That’s why, the importance factors that effect the quality and the competitiveness of sharia banking must be evaluated, specially the profit and lost sharing rate of funding products. The purpose of this study is to analyze the effects of Inflation, BI Rate, Financing to Deposit Ratio (FDR), Return On Asset (ROA), and Non Performing Financing (NPF) toward profit and lost sharing eqiuvalent rate of sharia banking mudharabah time deposit. Population of this study is all of sharia commercial bank and sharia operational unit during four years research, since 2009 till 2012. The data in this study is secondary data that contains of inflation rate, BI rate and sharia banking financial performance on 2009-2012 obtained from sharia banking statitics (SPS) and monetery data that had been published by Bank Indonesia. This study use double linier regretion methode with clasic assumption test before. This assumption contains normality test, multicolonierity test, heteroscedasticity test, and autocorelation test. This research proved that Inflation, BI Rate, Financing to Deposit Ratio (FDR), Return On Asset (ROA), and Non Performing Financing (NPF) simultaneosly have significant effect to profit and lost sharing eqiuvalent rate of sharia banking mudharabah time deposit. Partially, BI Rate variable has the positive and significant effect, while Inflation, Financing to Deposit Ratio (FDR), Return On Asset (ROA), and Non Performing Financing (NPF) variable don’t have significant effect.