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    UNIVERSITAS NAHDLATUL ULAMA SURAKARTA
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ANALISIS PEMBIAYAAN MUDHARABAH, MUSYARAKAH DAN MURABAHAH PENGARUHNYA TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA TAHUN 2017
  Volume 16
    Nomor 46
     
Penulis : Suranto, 2019-08-27, ISSN : 1693-7201, 10 Hal
The study aims to determine the analysis of mudharabah, musyarakah and murabaha financing effects on the profitability of Islamic commercial banks in Indonesia by using the Return on Assets (ROA) ratio. The research method uses a descriptive quantitative research approach with case studies at Islamic Commercial Banks in Indonesia. The data used in this study are secondary data based on the results of quarterly financial reports of Sharia Commercial Banks which include BNI Syariah, Mega Syariah Banks, BRI Syariah, Banks and Muamalat during the 2017 period. Sources of data were obtained through the publication of related Sharia Commercial Banks and through the website www.bi, go.id.
In this study using multiple linear regression analysis. The results showed that murabaha and musyarakah financing had a significant influence on the level of ROA, while mudharabah financing had a positive and significant effect on the ROA level partially. Simultaneously, murabaha, mudharabah and musyarakah financing show a significant influence on the level of ROA. Mudharabah financing is the most dominant profit-sharing financing affecting ROA levels.

Keywords: murabahah financing, musyarakah financing, mudharabah financing, profitability, return on assets, Islamic commercial banks

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