PENGARUH PEMBIAYAAN MUDARABAH, PEMBIAYAAN MUSYARAKAH, PEMBIAYAAN MURABAHAH DAN RASIO NON PERFORMING FINANCING
TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
NOVIANASARI, FAPERTA
Subject
657.9 - ACCOUNTING-BANK
Datestamp
2017-07-05 06:42:25
Abstract :
The banking system is becoming a new trend in Indonesia today, the dual banking system known as Islamic banking. The marketshare of insurance and banking continue to increase within the last years. This study is aimed to determine the effect of structured sharia financing named as Mudarabah, Musharaka, Murabaha, and Non Performing Financing To Profitability In Islamic Bank. Sources of data in this study is secondary data from Islamic banks financial statements in annual reports for the period 2010 ? 2013. This study observed a total of 11 Islamic banks and that contain a sampling series of 23 units. The data analysis technique used is multiple linear regression with the classical assumption test. The results showed that the Financing of Mudaraba has no significant effect toward ROA as it has tcount of 3.371 with a significance level of 0.133. Financing of Musharaka has no significant effect toward ROA as tcount of -0.500 with a significance level of 0.623. Financing of Murabaha has no significant effect toward ROA as it has tcount of 1.786 with a significance level of 0.091. Non- Performing Finance has no effect toward ROA as tcount of -1.809 with a significance level of 0.087. Keywords: Mudaraba, Musharaka, Murabaha, Non-Performing Finance
The banking system is becoming a new trend in Indonesia today, the dual banking system known as Islamic banking. The marketshare of insurance and banking continue to increase within the last years. This study is aimed to determine the effect of structured sharia financing named as Mudarabah, Musharaka, Murabaha, and Non Performing Financing To Profitability In Islamic Bank. Sources of data in this study is secondary data from Islamic banks financial statements in annual reports for the period 2010 ? 2013. This study observed a total of 11 Islamic banks and that contain a sampling series of 23 units. The data analysis technique used is multiple linear regression with the classical assumption test. The results showed that the Financing of Mudaraba has no significant effect toward ROA as it has tcount of 3.371 with a significance level of 0.133. Financing of Musharaka has no significant effect toward ROA as tcount of -0.500 with a significance level of 0.623. Financing of Murabaha has no significant effect toward ROA as it has tcount of 1.786 with a significance level of 0.091. Non- Performing Finance has no effect toward ROA as tcount of -1.809 with a significance level of 0.087. Keywords: Mudaraba, Musharaka, Murabaha, Non-Performing Finance
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