Analisis Pengaruh Pembiayaan Terhadap Laba Bersih Melalui Bagi Hasil Bank Umum Syariah

Abstract


 Funds are one of the important issues for every company in meeting their needs. To meet the need for these funds, each company will involve banks in financing. In this case, Islamic banks are very good at providing financing to customers, both mudharabah and musyarakah financing. The purpose of the study was to determine the net profit of Islamic Bank Indonesia based on the principles of mudharabah and musyarakah financing. The research method used is multiple regression, a qualitative research approach, the results of the study show that mudharabah financing positive and significant effect on revenue sharing, the effect of musharaka financing on revenue sharing which shows that musharaka financing has a positive and significant effect on revenue sharing, mudharabah financing has a positive and significant effect on net income, musharaka financing has a positive and significant effect on net income, revenue sharing does not have a positive and significant effect on net income
 Keywords : Mudharabah, musyarakah, net profit, revenue sharing

Analisis Pengaruh Pembiayaan Syariah dan Profitabilitas Bank Umum Syariah di Indonesia

“…Prinsip bagi hasil (profit sharing) merupakan karakteristik umum bank syariah. Produk bank yang menggunakan prinsip bagi hasil adalah murabahah, mudharabah dan musyarakah (Pandapotan & Siregar, 2022). Penelitian yang dilaksanakan menurut Putri & Mulyasari (2022) diketahui bahwa variabel pembiayaan melalui murabahah, mudharabah, dan musyarakah berpengaruh besar pada profitabilitas Bank BRI Syariah.…”

Pemetaan Penelitian seputar Variabel Determinan Return On Asset pada Perbankan Syariah: Studi Bibliometrik VOSviewer dan Literature Review

“…DSN bertugas mengeluarkan fatwa tentang perbankan syariah. Laba pada perbankan syariah terjadi karena terdapat selisih nilai antara dana yang dihimpun dengan dana yang disalurkan (Pandapotan & Siregar, 2022).…”