Pengaruh Pembiayaan Murabahah, Mudharabah, Dan Musyarakah Terhadap Profitabilitas

Abstract

This research aimed to show the effect of murabahah, mudharabah, and musyarakah financing on the profitability of Islamic commercial banks. The research is a causal associative with a quantitative approach. The research population is Islamic commercial banks in Indonesia. The sampling technique used non-probability sampling with a purposive sampling method and obtained nine samples. The data analysis technique used descriptive analysis, classical assumption test, multiple linear regressions, coefficient of determination test, and t-test. The results showed that murabahah financing did not affect profitability. However, mudharabah financing has a positive effect on profitability. Meanwhile, musyarakah financing has a significant negative impact on profitability. This research can be a reference for banks to increase murabahah and musyarakah financing so that profitability can increase adequately. Then it can be a reference for the bank to be more selective if there is a suspension of payments on murabahah financing.

The influence of Natural Certainty Contract (NCC) and Natural Uncertainty Contract (NUC) financings on the financial sustainability of Islamic commercial banks in Indonesia

“…This diminishes the chances for Islamic banks to generate larger income compared to long-term financing (Marginingsih, 2018). Additionally, the default risk associated with NCC financing channeled by Islamic banks can also influence a decline in profitability for the bank (Bahri, 2022).…”

Analisis Pembiayaan Pada Bank Syariah Indonesia Tahun 2020-2022

“…Pemilik dana tidak diperkenankan meminta imbalan tetap terlebih dahulu dalam bentuk nominal (Widyastuti, 2019). Penelitian mengenai pengaruh pembiayaan mudharabah terhadap profitabilitas sudah pernah diteliti oleh (Bahri, 2022), (Wulan Sari et al, n.d.), (Unisma et al, n.d.)., (Damayanti et al, 2021), (Irvan Muhamad Rizky & Azib, 2021.) , (Rokhmah et al, n.d.), (Putra & Hasanah, n.d.) dengan hasil yang berbedabeda dan tidak konsisten.…”

Pengaruh Pembiayaan Murabaha, Mudharabah Dan Multi Jasa Terhadap Pencapaian Profitalitas Dan Pengendalian Non Performing Loan Pada Bank Pembiayaan Syari’ah

“…Sebaliknya, temuan studi yang dilakukan oleh Syaiful Bahri menunjukkan bahwa pembiayaan murabahah tidak berdampak apapun terhadap profitabilitas perusahaan. Di sisi lain, pendanaan melalui mudharabah telah terbukti meningkatkan profitabilitas (Bahri, 2022).…”