Pengaruh Pembiayaan Murabahah, Musyarakah, Dan Non Performing Financing (Npf) Terhadap Return On Asset (Roa) Periode 2016-2018
Abstract
Penelitian ini bertujuan untuk mngetahui pengaruh pembiayaan murabahah, musyarakah, dan NPF terhadap ROA bank umum syariah. Jenis penelitian ini adalah penelitian kuantitatif dengan populasi bank umum syariah di Indonesia periode 2016-2018. Pemilihan sample menggunakan metode purposive sampling. Metode purposive sampling merupakan metode pengambilan sample yang didasarkan pada kriteria tertentu. Alat analisis yang digunakan adalah analisis regresi linear berganda dengan menggunakan alat bantu analisis SPSS versi 24 dan Eviews 6. Hasil penelitian secara parsial menunjukkan bahwa variabel pembiayaan murabahah berpengaruh positif dan signifikan terhadap ROA, variabel pembiayaan musyarakah berpengaruh negative dan signifikan terhadap ROA, dan variabel NPF berpengaruh negative dan signifikan terhadap ROA. Pada uji koefisien determinasi (R2) menunjukkan bahwa pembiayaan murabahah, pembiayaan musyarakah, dan NPF secara simultan berpengaruh terhadap ROA sebesar 85,6% sedangkan sisanya 14,4% dipengaruhi oleh variabel lain diluar model.
Kata Kunci : Pembiayaan Murabahah, Musyarakah, NPF dan ROA
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