Dea Rahmalia, and Alvien Septian Haerisma, and Sri Rokhlinasari, (2026) Short- and Long-Run Determinants of Mudharabah Deposit Growth: Evidence from Bank Muamalat Indonesia. CIEBER:Contemporary Islamic Economic and Business Review, 2 (2). pp. 151-169. ISSN 3110-6579
Full text not available from this repository.Abstract
This study aims to analyze the impact of the Profit-Sharing Rate, Capital Adequacy Ratio (CAR), and Third-Party Funds (DPK) on the growth of mudharabah deposits at Bank Muamalat Indonesia. The ARDL-ECM method is applied within this quantitative research to explore the inter-variable relationships more deeply. Through this framework, the study identifies both temporary short-term correlations and stable long-term relationships. The results indicate that, simultaneously, all three variables significantly influence the growth of mudharabah deposits. Partially, in the long run, all variables show a positive and significant effect, whereas in the short run, only DPK remains significant. These findings suggest that profit-sharing stability and capital strength play a crucial role in driving sustainable deposit growth, while short-term dynamics are more heavily influenced by fund-raising intensity. The novelty of this research lies in the use of the ARDL-ECM approach to detect differences in Sharia customer behavior toward banking indicators across two distinct timeframes.
| Item Type: | Article |
|---|---|
| Uncontrolled Keywords: | Mudharabah Deposits, Profit-Sharing Rate, Islamic Banking, Error Correction Model |
| Subjects: | H Social Sciences > HC Economic History and Conditions |
| Divisions: | Fakultas Syariah dan Ekonomi Islam |
| Depositing User: | H. Tohirin S.Ag |
| Date Deposited: | 06 Aug 2026 06:45 |
| Last Modified: | 06 Aug 2026 06:45 |
| URI: | http://repository.syekhnurjati.ac.id/id/eprint/19562 |
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