ANALISIS PENGARUH PEMBIAYAAN MUDHARABAH, MUSYARAKAH DAN IJARAH TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA (Studi Empiris Pada Bank Umum Syariah yang Listing di Otoritas Jasa Keuangan Periode 2010-2016)

Abstract

ABSTRACT
The development of the public mindset for business, cause the banks to contend in offering cooperation
in business. Competition in mudharabah, musyarakah and ijarah must give profit for the bank and customer.
The number of syariah bank are also from year to year increased and show that syariah banks support the
implementation of national development. The purpose of this research is to show “how the influence financing
of mudharabah, musyarakah and ijarah toward profitability on Syariah Bank of Indonesia in the periode 2010-
2016” by using ratio ROA (Return On Assets). The population in this research is islamic bank listed on the
Financial Fervices Authority in the period 2010-2016. The number of samples in this research were 5 samples
by purposive sampling method. Types of data used are secondary data. The data analysis was used by multiple
linier regression analysis. The result of this research shows that financing of mudharabah, musyarakah and
ijarah have a significant influence toward profitability on Syariah Bank of Indonesia in the periode 2010-2016.
Ffinancing of Mudharabah has a significant positive influence, financing of musyarakah has a significant
negative influence and ijarah has not a significant influence toward profitability on Syariah Bank of Indonesia
in the periode 2010-2016.
Keywords : Mudharabah, Musyarakah, Ijarah, ROA