Pengaruh Pembiayaan Murabahah Dan Pembiayaan Mudharabah Terhadap Profitabilitas Bank Umum Syariah Di Indonesia
Abstract
Penelitian ini memiliki latar belakang yaitu dari data-data yang penulis peroleh dapat dilihat bahwa Dana Pihak Ketiga Bank Umum Syariah terus meningkat sedangkan Non Performing Financing Bank Umum Syariah mengalami perkembangan yang fluktuatif. Adapun perkembangan pembiayaan Bank Umum Syariah terus mengalami peningkatan setiap tahunnya. Semakin banyak pembiayaan yang disalurkan Bank Umum Syariah maka semakin tinggi juga risiko nasabah yang macet dalam pembayaran angsuran, tentunya hal ini sudah diantisipasi Bank Umum Syariah dengan memberikan pembiayaan dengan syarat yang ketat. Tujuan dari penelitian ini yaitu untuk mengetahui pengaruh Dana Pihak Ketiga dan Non Performing Financing terhadap pembiayaan Bank Umum Syariah di Indonesia. Tahapan metode dalam penelitian ini adalah diagram alir penelitian, pengumpulan data, studi pustaka, identifikasi masalah, praproses, analisis data (analisis data yang digunakan yaitu regresi linier berganda, uji normalitas, uji asumsi klasik (uji multikolinearitas dan uji autokorelasi), uji statistik (koefisien determinasi (R2), uji F statistik, dan uji t statistik), hasil analisis data, evaluasi akhir, pendekatan penelitian, lokasi dan waktu penelitian, serta alat dan bahan. Hasil dari penelitian ini yaitu variabel pembiayaan murabahah Bank Umum Syariah berpengaruh dan signifikan terhadap variabel Return on Asset Bank Umum Syariah. Sedangkan variabel pembiayaan mudharabah Bank Umum Syariah tidak berpengaruh dan signifikan terhadap variabel Return on Asset Bank Umum Syariah. Kemudian variabel pembiayaan murabahah Bank Umum Syariah dan variabel pembiayaan mudharabah Bank Umum Syariah secara simultan signifikan mempengaruhi variabel Return on Asset Bank Umum Syariah.     Â
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