The purpose of this study was to determine the effect of profit sharing, financing to deposit ratio (FDR) and per capita income at Bank Muamalat Indonesia. The data used is the first quarter of 2013 to the fourth quarter of 2021. This research is a quantitative research with multiple linear regression method. The results of the partial test show that profit sharing and FDR have a positive and significant effect on mudharabah deposits, while per capita income has no effect on mudharabah deposits. Meanwhile, profit sharing, FDR, and income per capita simultaneously affect mudharabah deposits. The results of this study indicate that profit sharing, financing to deposit ratio has an effect on mudharabah deposits, while per capita income has no effect on mudharabah deposits. There is a need to increase promotions related to mudharabah deposit products and socialization about sharia banking is needed.
Keywords: Profit Sharing, Financing to Deposit Ratio (FDR), Per capita income, and Mudharabah Deposits