As an intermediary institution, BPRS has facilities in the field of financing where Islamic banks channel funds obtained from the public in the form of deposits. This research was conducted to determine the effect of mudharabah and musyarakah financing simultaneously and partially on the Return On Assets of Islamic People's Financing Banks in Indonesia. The object of research is all Islamic People's Financing Banks in Indonesia from January 2016 to December 2018. The research approach used is a quantitative approach. The analysis technique used is multiple linear regression or OLS (Ordinary Least Squares). The results of this study are the financing using mudharabah and musyarakah contracts simultaneously does not have a significant positive effect on the Return on Assets of Islamic People's Financing Banks in Indonesia. Mudharabah financing partially does not have a significant positive effect on the Return on Assets of the Islamic People's Financing Bank in Indonesia. Musyarakah financing partially does not have a significant negative effect on the Return On Assets of the Islamic People's Financing Bank in Indonesia.
This study is conducted to determine the effect of revenue sharing principle by using mudharabah and musyarakah contracts simultaneously and partially to Return on Asset of Sharia Commercial Bank in Indonesia. The design of research is quantitative. The object of research is 13 Sharia Commercial Banks in Indonesia which has done starting from January 2016 to March 2018. Analytical techniques used are multiple linear regression or Ordinary Least Squares (OLS). The results show that the financing of revenue sharing principle by using mudharabah and musyarakah contracts simultaneously has no significant effect on Return On Assets of Sharia Commercial Bank in Indonesia. Mudharabah financing is partially no significant effect on Return On Asset of Sharia Commercial Bank in Indonesia. Musyarakah financing is partially no significant effect on Return On Assets of Sharia Commercial Banks in Indonesia.
The financial sector in a region can spur the pace of economic movements, especially with the contribution of banks in the micro sector as an intermediary tool in channeling funds to productive investments that encourage the real sector, especially in the micro sector, which will produce aggregate output. The purpose of this study is to analyze the extent of the Islamic Rural Bank (BPRS), which is an Islamic microfinance institution for the economy on the island of Java. This study uses secondary data during the period from January 2016 to December 2018. This study uses the Ordinary Least Square Data Panel method. The empirical results show that part of Total Assets does not have a significant negative effect on GRDB. While the total financing and Third Party Funds (TPF) partially does not have a significant positive effect on GRDB. Also, simultaneously the overall independent variables together have a significantly positive effect on GRDB.
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