PENGARUH PEMBIAYAAN MUDHARABAH, MURABAHAH, MUSYARAKAH DAN AKAD IJARAH TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA.

ABSTRACT
This study aims to prove empirically whether mudharabah, murabahah,
musyarakah and ijarah financing affect the profitability (ROA) of Islamic
Commercial Banks in Indonesia. The approach taken in this study uses an
associative approach, the data used is the financial statements of Islamic
commercial banks registered with the financial services authority (OJK), which
were obtained from the website of the financial services authority (OJK). The
population in this study consisted of all Islamic commercial bank companies
registered with the Financial Services Authority (OJK) during the 2016-2020
period, namely 14 companies and the sample in this company was 8 companies.
The results of this study indicate that mudharabah has a partially insignificant
effect on the profitability (ROA) of Islamic commercial banks, and murabaha
financing has a partially insignificant effect on the profitability (ROA) of Islamic
commercial banks, musyarakah financing has a partially significant effect on the
profitability (ROA) of commercial banks. Sharia and the last ijarah financing has
a significant partial effect on the profitability (ROA) of Islamic Commercial Banks.
The results of the F-test of Mudharabah, Murabahah, Musyarakah and Ijarah
financing have a significant simultaneous effect on the Profitability (ROA) of
Islamic Commercial Banks. The determination test of 0.573 means that 57.3% of
the variance in profitability (ROA) is determined by the independent variables,
namely Mudharabah, Musyarakah, Murabahah, and Ijarah financing, while the
rest is influenced by other variables not examined in this study deposits, income for
results and others.
Keyword: Mudharabah, Murabahah, Musyarakah, Ijarah Profitability