Pengaruh Pembiayaan Mudharabah, Murabahah, Dan Musyarakah Terhadap Return On Assset Pada bank Umum Syariah Di Indonesia Periode 2015-2020
Abstract
This study aims to analyze the effect of mudharabah, murabaha and musyarakah financing on the level of profitability in banks by using the Return on Assets (ROA) ratio simultaneously and partially. The data in this study are the financial statements of Islamic banking in Indonesia with a purposive sampling technique and obtained a sample of 5 samples of 30 data. For the dependent variable (Y) of this study is Return On Assets (ROA). For the independent variable (X) includes: Murabahah, Mudharabah, and Musyarakah. The method used is a quantitative research method. The data source is secondary data using SPSS 21 data processing analysis. The data analysis method used in this study is multiple linear regression. The results of this study indicate that mudharabah financing partially has no significant negative efffect on the level of profitability, while murabahah partially has a positive effect on the level of profitability. Musyarakah financing has a significant positive effect on profitability.
References
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