Determinants of Islamic Bank Deposit in Indonesia

• Main Authors: Laila Masruro Pimada, Imron Mawardi, Dr., SP., M.Si, Sri Herianingrum, Dr., SE., M.Si.
• Format: Article PeerReviewed
• Language: English; Indonesian
• Published: SAVAP International 2017
• Subjects: BP174-190 The practice of Islam; HG1660 Bank accounts. Bank deposits. Deposit banking
• Online Access: http://repository.unair.ac.id/64886/1/Sri%20Herianingrum_%20Karya%20Ilmiah%20Tambahan%20004_ARInt.2017%288.2-15%29.pdf; http://repository.unair.ac.id/64886/2/Sri%20Herianingrum_Peer%20Review%20Tambahan004.pdf; http://repository.unair.ac.id/64886/; http://journals.savap.org.pk/vol8n2.html
• Institution: Universitas Airlangga

The purpose of this paper is to examine the influence of Financing to Deposit Ratio (FDR), Profit Sharing Ratio (PSR), and Gross Domestic Product (GDP) toward mudharabah deposit in Indonesia’s Islamic banking institution. Quantitative approach with purposive sampling was used. The result shows that all of independent variables (FDR, PSR and GDP) are 5% significance level to mudharabah deposit, in other words all independent variables influence mudharabah deposit and this research accepts all alternative hypotheses. The finding contributes to the growth of Islamic banking industry and provides evidence of factors that can increase the number of mudharabah deposit. So, both the Islamic banks and the bank customer can perceive high profit and increase their assets (wealth).