MENAKAR DAMPAK PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH TERHADAP PROFITABILITAS RETURN ON ASSETS PT. BANK MUAMALAT INDONESIA Tbk.
Journal Title: AL-Mashrafiyah: Jurnal Ekonomi, Keuangan dan Perbankan Syariah - Year 2019, Vol 3, Issue 1
Abstract
This research was conducted to measure the impact of mudharabah and musyarakah financing on profitability with the Return on Assets (ROA) ratio of PT. Bank Muamalat Indonesia Tbk. period of 2011-2017. The research method used in this research is descriptive quantitative using multiple linear regression. Data used is secondary data in the form of financial statements of PT. Bank Muamalat Indonesia Tbk. which is accessed through the Otoritas Jasa Keuangan (OJK) website. The results showed that 51.3% variables Profitability of return on assets (ROA) can be explained by mudharabah and musyarakah ratios. T test (partial test) shows that the mudarabah ratio variable has no significant effect on profitability of return on assets (ROA), while the musyarakah ratio variable has a significant effect on profitability of return on assets (ROA). This is because mudharabah financing is classified as risky financing, so Islamic banks must innovate in carrying out risk management. On the other hand, Musharakah financing contributes greatly to the total income of Islamic banks and partially has a significant effect on the profitability of Islamic banks.
Authors and Affiliations
Indah Wahyuningsih
Keywords
Related Articles
- EP ID EP562447
- DOI -
- Views 182
- Downloads 0
MEKANISME DAN MASALAH PEMBIAYAAN MUDHARABAH PADA KANTOR BANK PANIN DUBAI SYARIAH CABANG MAKASSAR
The fact that of all the financing available at Panin Dubai Sharia Bank Makassar, Mudharabah financing is the slowest product in the last 5 (five) years. In this article, the focus on Islamic banks' panin products is in...
PENERAPAN SHARIA COMPLIANCE SEBAGAI PRINSIP SHARIA GOVERNANCE PADA BANK MUAMALAT INDONESIA Tbk. CABANG MAKASSAR
This research article reviews the application of sharia principles in this case sharia compliance to the Bank Muamalat Indonesia Tbk Makassar Branch, related to the preparation of financial statements. The research is a...
MENAKAR DAMPAK PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH TERHADAP PROFITABILITAS RETURN ON ASSETS PT. BANK MUAMALAT INDONESIA Tbk.
This research was conducted to measure the impact of mudharabah and musyarakah financing on profitability with the Return on Assets (ROA) ratio of PT. Bank Muamalat Indonesia Tbk. period of 2011-2017. The research method...
METODE KUADRAT TERKECIL UNTUK MERAMALKAN TINGKAT LIKUIDITAS PADA BMT KAPUAS MANDIRI SEJAHTERA DI KOTA PONTIANAK
The aimed of this research is due to the existence of accounting information related to liquidity problem in Baitul Maal wa Tamwil/The house of Business and Social (BMT) “Kapuas Mandiri Sejahtera” by determining the liqu...
PERAN DAN STRATEGI MARKETING FUNDING DALAM MENINGKATKAN JUMLAH NASABAH PENABUNG PADA BANK SYARIAH MANDIRI KCP. PANAKUKANG KOTA MAKASSAR
This article reviews the role and strategy of Marketing Funding in increasing the number of customers in Bank Syariah Mandiri KCP Panakkukang, Makassar City. This study uses qualitative research methods with a descriptiv...