Adanya perkembangan pola pikir masyarakat untuk berbisnis, menimbulkan pihak bank bersaing dalam menawarkan kerjasama dalam usaha berbisnis. Kerjasama dalam bentuk pembiayaan musyarakahini pasti memberikan keuntungan bagi pihak bank dan nasabah. Pendapatan dari pembiayaan investasi dan modal kerja ini akan digunakan untuk pengembalian modal bank.Tujuan dari penelitian ini adalah untuk menganalisis data empiristentang pengaruh musyarakah, murabahah dan ijarah terhadap profitabilitas(ROE).Penelitian ini menggunakan hubungan kausal penelitian kuantitatif. Sampel penelitian diambil dari laporan keuangan Bank BNI Syariah per bulan pada 2012-2014. Teknik pengumpulan data yang digunakan adalah studi pustaka dan dokumentasi. Data sekunder diambil dari data laporan keuangan Bank BNI Syariah yang dapat diakses melalui situs resmi Bank Indonesia, www.bi.go.id. Metode statistikyangAbstrak: The development of the mindset of the community to do business, causing the bank to compete in offering cooperation in business ventures. Cooperation in the form of musyarakahini financing will definitely benefit the banks and customers. The income from investment financing and working capital will be used for bank capital return. The purpose of this study is to analyze empirical data about the influence of musharaka, murabahah and ijarah on profitability (ROE). This study uses a causal relationship of quantitative research. The research sample was taken from the BNI Syariah Bank's financial statements per month in 2012-2014. Data collection techniques used are literature study and documentation. Secondary data is taken from BNI Syariah Bank'spenelitian ini adalah tes multiple regresi. Hasil statistik menunjukkan bahwa musyarakah, murabahah dan ijarah berpengaruh signifikan terhadap profitabilitas (ROE) secara bersamaan.
<em><span lang="IN">This research was conducted with the aim of analyzing the factors that influence the customer's decision to choose mudharabah financing at PT. BPRS Gebu Prima Medan. The research method used in this research is quantitative research and data collection techniques in this study using a questionnaire. The data analysis used in this research is data quality test, classical assumption test, multiple linear regression test, and hypothesis testing. Based on the results of the study indicate that internal factors (X) have a positive and significant influence on mudharabah financing decisions (Y), and external factors (X) do not have a positive and significant influence on mudharabah financing decisions (Y). The results of the t-test (partial) obtained a sig value of 0.004 <0.05, therefore the provisions of the t-test (partial) can be concluded that the hypothesis Ho is rejected and Ha is accepted, which means that partially internal factors (X) affect the decision on mudharabah financing (Y).</span></em>
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