Abstract
ABSTRACT This research aims to empirically examine the effect of internal factors on mudharabah financing in Indonesian Islamic banks. The internal factors consist of financial performance and company characteristics. Mudharabah is a form of financing that supports the financial needs of the community based on the Islamic justice principle. The independent variables in this study are financing to deposit ratio (FDR), non-performing financing (NPF), capital adequacy ratio (CAR), rate of return (RR) level, bank size and bank age. This study employs a panel multiple regression technique and shows that RR level and bank age have a positive effect, while CAR has a negative effect and FDR, NPF and bank size have no effect on the mudharabah financing. An understanding of the effects of the internal factors of Islamic banking financing should encourage the effective management on the relevant activities so that the performance of Islamic banks can be maintained.
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