APRIANTI, HANA (2019) ANALISA PENGARUH PEMBIAYAAN MUDHARABAH, PEMBIAYAAN MUSYARAKAH, DAN NON PERFORMING FINANCING TERHADAP PROFITABILITAS (Studi Empiris Terhadap Bank Umum Syariah di Indonesia Tahun Penelitian 2013-2017). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study is to determine the Effect of Mudharabah Financing, Musyarakah Financing and Non-performing Financing on Profitability. The object of this study is Islamic commercial banks registered in the Financial Services Authority (OJK) and Bank Indonesia (BI) for the period 2013 to 2017. This study was conducted on 9 Islamic commercial banks using a quantitative descriptive approach. Therefore, the analysis of the data used is statistical analysis in the form of multiple linear regression tests. The results of this study indicate that mudharabah financing has a positive influence on the profitability of Islamic banks. Mudharabah financing with t count 2.349 and the significance value of the amount of mudharabah financing 0.024, where the significance value is smaller than the alpha value of 0.05, it can be said that mudharabah financing has a statistically significant effect on ROA. While musyarakah financing does not significantly influence the profitability of Islamic commercial banks. Musyarakah financing with t count -1.193 and the significance value of musyarakah financing 0.241 where the significance value is greater than the alpha value of 0.05, it can be said that musyarakah financing has no statistically significant effect on ROA. And the Non-performing Fianancing variable has a negative and significant effect on profitability In the coefficient of determination test (R2) shows that mudaraba financing, musyarakah financing, and NPF simultaneously affect the profitability of 69.2% while the remaining 30.8% is influenced by other variables outside the model. Keywords: Mudharabah Financing, Musyarakah Financing, Non-performing and Profitability Penelitian ini untuk mengetahui Pengaruh Pembiayaan Mudharabah, Pembiayaan Musyarakah dan Non performing Financing Terhadap Profitabilitas Objek penelitian ini adalah bank umum syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) dan Bank Indonesia (BI) periode 2013 sampai 2017. Penelitian ini dilakukan terhadap 9 bank umum syariah dengan menggunakan pendekatan deskriptif kuantitatif. Karena itu, analisis data yang digunakan adalah analisis statistik dalam bentuk uji regresi linier berganda. Hasil penelitian ini menunjukkan bahwa pembiayaan mudharabah memiliki pengaruh positif terhadap profitabilitas bank umum syariah. Pembiayaan mudharabah dengan t hitung 2.349 dan nilai signifikansi jumlah pembiayaan mudharabah 0.024, dimana nilai signifikansi lebih kecil dari nilai alfa 0.05 maka dapat dikatakan bahwa pembiayaan mudharabah secara statistik berpengaruh signifikan terhadap ROA. Sedangkan pembiayaan musyarakah tidak berpengaruh signifikan terhadap profitabilitas bank umum syariah. Pembiayaan musyarakah dengan t hitung -1.193 dan nilai signifikansi pembiayaan musyarakah 0.241 dimana nilai signifikansi lebih besar dari nilai alfa 0.05 maka dapat dikatakan bahwa pembiayaan musyarakah secara statistik tidak berpengaruh signifikan terhadap ROA. Dan Variabel Non performing Fianancing berpengaruh negatif dan signifikan terhadap profitabilitas Pada uji koefisien determinasi (R2) menunjukkan bahwa pembiayaan mudharabah, pembiayaan musyarakah, dan NPF secara stimultan berpengaruh terhadap profitabilitas sebesar 69.2% sedangkan sisanya 30.8% dipengaruhi oleh variabel lain diluar model. Kata kunci: Pembiayaan Mudharabah, Pembiayaan Musyarakah, Non performing Financing, Profitabilitas.
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