Analisis Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah Terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2010-2014

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ABSTRAK

Analisis Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah terhadap Profitabilitas Bank Umum

Syariah di Indonesia Periode 2010-2014

Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh pembiayaan mudharabah, musyarakah,dan murabahah terhadap profitabilitas bank umum syariah di Indonesia. Data yang digunakan dalam penelitian ini adalah data tahunan 2010- 2014 yang dipublikasikan oleh Bank Indonesia dalam laporan keuangan tahunan bank syariah. Alat analisis yang digunakan dalam penelitian ini adalah regresi linear berganda.

Berdasarkan hasil regresi linear berganda, menyimpulkan bahwa mudharabah, musyarakah,dan murabahah berpengaruh positif dan signifikan secara simultan terhadap profitabilitas pada bank umum syariah di Indonesia. Pembiayaan mudharabah berpengaruh negatif dan signifikan secara parsial terhadap profitabilitas pada bank umum syariah di Indonesia sedangkan pembiayaan musyarakah,dan murabahah berpengaruh positif dan tidak signifikan secara parsial terhadap profitabilitas pada bank umum syariah di Indonesia.

Kata Kunci : Pembiayaan mudharabah, Pembiayaan musyarakah, Pembiayaan murabahah, Return on Asset, Profitabilitas.

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ABSTRACT

The Effect of Mudharabah Financing, Musyarakah Financing, and Murabahah Financing for Profitability on The Islamic Banks

in Indonesia from 2010 – 2014

This research is done to know the Influence Mudharabah Financing, Musyarakah Financing, and Murabahah Financing for Profitability on The Islamic Banks in Indonesia. The data used in this study was the 2010- 2014 annual data published by Bank Indonesia in the annual financial statements of Islamic banks. The analytical tool used in this research was multiple linear regression.

Based on the results of multiple linear regression, concludes that the mudharabah financing, musyarakah financing and murabahah financing had positive and significant effect simultaneously on profitability in Islamic banks in Indonesia. Mudharabah financing had negative effect significantly in partial on profitability of islamic banks in Indonesia while musharaka financing and murabahah financing had positive effect but not significantly in partial on profitability in islamic banks in Indonesia.

Keywords: Mudharabah Financing, Musyarakah Financing, Murabahah Financing, Return on Assets, Profitability.

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