Effect of BI Rate and Profit Sharing Rate onFinancing Income Mudharabah at PT. Bank Muamalat Indonesia 2011-2015 Period

Abstract

This study The purpose of this study is to find out how teh BI Rate effect to the mudharabah financing income, and how the profit sharing rate effect mudharabah financing income, and how to BI Rate and profit sharing rate effect mudharabah financing income. This type of research is quantitave research, the method used in this study is associative research (relationship) supported by a document analysis approach, the place which is the object of research is PT Bank Muamalat Indonesia, the sample used is the monthly financial statment off PT Bank Muamalat Indonesia in 2011 period 2015 by using the purposive sampling method. The variables in this study there are two variables, namely the independent variable (free) and the dependent variable (bound), there are two independent variables, namely BI Rate (X1) and Profit Sharing (X2) while the independent while the dependent variable is Mudharabah Financing Income (Y). The type of data used secondary data obtained from financial report published by BI, OJK, and through the official website of PT Bank Muamalat Indonesia. Data analysis show that partially the BI Rate and Profit Sharing Rate (TBH) have a positive and significant effect on Mudharabah Financing Income, as evidenced by the value of BI Rate variabel 0,0024 <0.05 and the prob value of the Rate of Sharing 0,0000 < 0,05. Taken together the BI Rate and Profit Sharing variables have a significant influence on Mudharabah Financing Income, this is evidanced by the value of prob F statistic 0,000 which is smaller than 0,05. The variable BI Rate and Profit Sharing Level has a contribution to explain Mudharabah Financing Income of 83,3% while the remaining 16,7% (100%-83,3%) is explained by other variables not examined or not included in this research model