PENGARUH PEMBIAYAAN MURABAHAH, PEMBIAYAAN MUDHARABAH, DAN PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH DI INDONESIA
Daftar Isi:
- This study aims to analyze the effect of murabahah financing variables,mudharabah financing and musyarakah financing on profitability (ROA) in sharia commercial banks in Indonesia. The population of this study are as many as 13 sharia banks are listed in the statistics of sharia banking. Sampling method from this research using purposive sampiling so that obtained 7 sharia commercial bank. Data analysis technique used is regression by using panel-shaped data. The results showed that murabahah financing variables have no effect on profitability (ROA) in sharia commercial banks in Indonesia and mudharabah financing has a positive effect on profitability (ROA) in sharia commercial banks in Indonesia. While musyarakah financing has a negative effect on profitability (ROA) in sharia commercial banks in Indonesia. The results of the three independent variables, murabahah financing,mudharabah financing and musyarakah financing affect the profitability (ROA) of sharia banks in Indonesia. From these results is expected for sharia banks to be more selective in issuing and managing these financing to further improve profitability. In the simultaneous test it is known that the most dominant financing of murabaha, mudaraba and musyarakah financing is mudharabah financing.