Pengaruh Pembiayaan Mudharabah, Musyarakah, Dan Murabahah Terhadap Profitabilitas BPRS DI Daerah Tapal Kuda Jawa Timur (original) (raw)
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Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah Terhadap Profitabilitas
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Pengaruh Pembiayaan Murabahah, Mudharabah, Dan Musyarakah Terhadap Profitabilitas
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This research aimed to show the effect of murabahah, mudharabah, and musyarakah financing on the profitability of Islamic commercial banks. The research is a causal associative with a quantitative approach. The research population is Islamic commercial banks in Indonesia. The sampling technique used non-probability sampling with a purposive sampling method and obtained nine samples. The data analysis technique used descriptive analysis, classical assumption test, multiple linear regressions, coefficient of determination test, and t-test. The results showed that murabahah financing did not affect profitability. However, mudharabah financing has a positive effect on profitability. Meanwhile, musyarakah financing has a significant negative impact on profitability. This research can be a reference for banks to increase murabahah and musyarakah financing so that profitability can increase adequately. Then it can be a reference for the bank to be more selective if there is a suspension of...
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Banking institutions establish institutions whose activities are related to currency to promote trade, one of the bank's business activities is to collect funds from the surplus side and allocate them to the deficit side in the form of credit or financing for investment activities. This study aims to determine the effect of musyarakah, mudharabah and mudharabah financing on net income. The method used by the researcher uses the quantitative method of secondary data obtained from the quarterly financial statements of the BPRS Bogor Tegar Berima 2017-2021 by using classical assumption test analysis, multiple linear tests, hypothesis testing, and coefficient of determination tests. Research results The results showed that partially musyarakah financing had a positive and significant effect on net income, mudharabah financing had a negative and insignificant effect on net income, and murabahah financing had a positive and insignificant effect on net income. Simultaneous research results between musyarakah, mudharabah and murabahah financing have a positive and significant effect on net income BPRS Bogor Tegar Beriman.
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BPRS (Bank Pembiayaan Rakyat Syariah Patriot Bekasi is financial institution thatdistribute and collect the fund. Bank Pembiayaan Rakyat Syariah Patriot Bekasiprefers to provide in micro, small and medium enterprises. The purpose of this study is to analyze the effect of financial in Bank Pembiayaan Rakyat Syariah Patriot Bekasi, Murabahah, Ijarah multijasa, on profitability of the Bank Pembiayaan Rakyat Syariah Patriot Bekasi. This research uses quantitative methods with secondary data. The data collection techniques used are literature study and documentation secondary data retrieved from monthly reports of statistical perbankan syariah which can be accessed through the official website of OJK and BI. The result of research using secondary data noted there if F-3,3550 smaller and ijarah multijasa have no effect on profitability PT Bank Pembiayaan Rakyat Syariah Patriot Bekasi, with R2of 50,40% and the remaining 49,6% is affected by other products.Keywords :Murabahah, Ijarah Multij...
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