The development of syariah banking in Indonesia was driven by The Amendment on Banking Law No. 7/1992. BMT (Baitul maal wat tamwil), the non bank financial institution is expected to improve the productivity and investment for better quality of economy. This study aims to find out whether profit sharing, interest rate and Gross National Product have significant influence to the volume of mudharabah deposit in BMT. In this study, the dependent variable was Mudharabah deposit while the independent variables were profit sharing, interest rate and gross domestic product (GDP). The tests of normality, heteroscedasticity, autocorrelation, multicollinearity were conducted. t test and f test were used to test the hypotheses. The analysis on coefficient of determination was applied to find out the percentage of all independent variable influences to the dependent variable denoted by the adjusted R². The results showed that the t value for the variables of profit sharing, GPD, interest rate were 0.002, 0.018, 0.033 respectively with P value <0.05. All together, the variables of profit sharing, gross domestic product, and interest rate have a significant influence to the volume of mudarobah deposit with the coefficient of determination of 0.122 or 12.2%.

Keyword: profit sharing, interest rate, mudharabah deposit