Analisis Pengaruh CAR,NPF, DPK Dan Inflasi Terhadap Pembiayaan Mudharabah Pada Bank Umum Syariah di Indonesia dengan ROA sebagai Variabel Mediasi

This article is based on research which aims to analyze the effect of CAR, NPF, deposits and inflation of the mudharaba financing the Islamic Banks in Indonesia with ROA as a mediating variable. The population in this research that the entire Islamic Banks in Indonesia in the span of 2006 to 2012. Determination of the sample using purposive sampling as the object obtained 10 studies were analyzed by multiple regression models of Ordinary Least Square (OLS) and the Sobel test. The results of this study indicate that CAR positive effect on financing mudharabah, NPF does not affect the financing mudharabah, third-party funds positive effect on financing mudharabah, inflation does not affect the financing mudharabah, ROA does not affect the financing mudharabah. While ROA does not mediate the relationship between CAR, NPF, deposits and inflation on financing mudharabah. Based on the analysis, the following suggestions are presented: (1) For Researchers: to add another independent variable that predicted affect of financing and increase the number of observations in order to better research results and the users of research results obtain more information, to increase the number of observation studies, the researcher can then immediately take the primary data to each company so that the collected data becoming more and research results will be better , further research can be carried out by expanding the subject of only limited research tidah Islamic banks , but could the whole Islamic banking. (2) For Islamic Banks: in order to observe the condition of financing the company is heavily influenced by other factors. While the value of the distribution of financing is still very small compared to the others, so it needs to be reviewed as to the cause of the financing is still small distribution