The Influence of Return On Assets, Financing To Deposit Ratio, Non Performing Financing, and Capital Adequacy Ratio on Mudharabah Financing with Inflation as a Moderating Variable (Study of Sharia Commercial Banks 2018-2022)

This research aims to determine the impact of Return On Assets, Financing To Deposit Ratio, Non Performing Financing, and Capital Adequacy Ratio on mudharabah financing with inflation as a moderating variable (study of Sharia Commercial Banks in 2018-2022). The method used in this study is a quantitative method. This study uses secondary data sourced from the quarterly financial reports of Sharia Commercial Banks 2018-2022. The population in this study is all Sharia Commercial Banks registered with OJK in 2018-2022. The sampling technique used in this study was purposive sampling. A total of 6 Sharia Commercial Banks met the criteria used as samples, and 120 study data were obtained for observation. The data analysis technique in this study uses multiple linear regression analysis methods and MRA with SPSS 25. The study results show that (1) Return On Assets has a negative impact on mudharabah financing, (2) Financing To Deposit Ratio has a negative impact on mudharabah financing, (3) Non Performing Financing has a negative impact on mudharabah financing, (4) Capital Adequacy Ratio has no impact on mudharabah financing, (5) Inflation is able to moderate the negative impact of Return On Assets on mudharabah financing, (6) Inflation is unable to moderate the positive impact of the Financing To Deposit Ratio on mudharabah financing, (7) Inflation is able to moderate the negative impact of Non Performing Financing on mudharabah financing, (8) Inflation is unable to moderate the positive impact of the Capital Adequacy Ratio on mudharabah financing.