Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah terhadap Return On Asset melalui Non Performing Financing sebagai Variabel Intervening (pada Bank Umum Syariah yang Terdaftar diotoritas Jasa Keuangan)

Fazriani, Anisya Dwi; Mais, Rimi Gusliana

doi:10.36406/jam.v16i01.265

Cited by 20 publications

(26 citation statements)

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“…Wahyuni (2016) and Afif (2014) stated that the influence of murabahah financing on the performance of Islamic Commercial Banks can be mediated through the NPF variable. Then based on the results of research conducted by Fazriani and Mais (2017) shows that there is an indirect effect between mudharabah, musharakah, and murabahah financing on profitability through problem financing.…”

Section: Previous Researchmentioning

confidence: 99%

Influence Analisys of Mudharabah, Musharakah, and Murabahah Financing to Profitability of Sharia Commercial Bank in Indonesia 2016-2019 With Non Performing Financing as Intervening Variable

Dewantara

Bawono

2020

ijei

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This study aims to determine the effect of mudharabah, musharakah, and murabahah financing on profitability through problem financing as a mediating variable. The examined data was sourced from the annual report of Islamic Banking Statistics published by the Otoritas Jasa Keuangan (OJK). The used analytical method is multiple regression and path analysis. The results of this study indicate that mudharabah, musharakah and murabahah financing do not have a significant effect on profitability directly. And then based on the path analysis stated that problematic financing can mediate the influence of musharakah financing on profitability, but it cannot mediate mudharabah and murabahah. The difference between this study with the others is the use of NPF as intervening variable wich is still rarely used by other researchers.

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Section: Previous Researchmentioning

confidence: 99%

Influence Analisys of Mudharabah, Musharakah, and Murabahah Financing to Profitability of Sharia Commercial Bank in Indonesia 2016-2019 With Non Performing Financing as Intervening Variable

Dewantara

Bawono

2020

ijei

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“…Oleh sebab itu kepercayaan masyarakat terhadap bank syariah harus tetap dijaga dan ditingkatkan oleh bank syariah. Karena simpati dan kepercayaan masyarakat tersebut terhadap suatu bank tidak terlepas dari kondisi keuangan bank, termasuk kesehatan bank tersebut (Fazriani & Mais, 2019). Tingkat kesehatan bank merupakan kemampuan suatu bank untuk melakukan aktivitas atau kegiatan operarional perbankan secara normal dan mampu memenuhi semua kewajibannya dengan baik dengan cara-cara yang sesuai dengan peraturan perbankan yang berlaku (Taswan & Si, 2010).…”

Section: A Pendahuluanunclassified

Pengaruh Pembiayaan Murabahah Dan Musyarakah Terhadap Return on Assets Bank Umum Syariah

Mardianto¹

2022

J. Ilm. Al-Tsarwah

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Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan akad musyarakah dan akad murabahah terhadap return on assetas pada Bank Umum Syariah di Indonesia periode 2015 sampai 2019. Data penelitian ini diambil dari akses situs resmi OJK (Otoritas Jasa Keuangan) laporan bulanan statistik perbankan syariah pada periode 2015 bulan Januari sampai 2019 bulan Desember. Metode pendekatan dengan menggunakan model ECM ( Error Corection Model). Hasil penelitian yang didapatkan pada variabel pembiayaan akad musyarakah memberikan pengaruh dan signifikan terhadap return on assets pada kondisi jangka panjang. Sedangkan pada kondisi jangka pendek tidak memberikan pengaruh dan signifikan terhadap return on assets pada Bank Umum Syariah di Indonesia periode 2015 sampai 2019. Pada variabel pembiayaan akad murabahah dalam kondisi jangka panjang ataupun jangka pendek, bahwa akad pembiayaan murabahah tidak berpengaruh terhadap return on assets pada Bank Umum Syariah di Indonesia periode 2015 sampai 2019.Kata kunci: Musyarakah, Murabahah, Return On Assets

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“…Pembiayaan bermasalah dalam jumlah besar akan menurunkan tingkat operasi bank tersebut. Apabila penurunan pembiayaan dan profitabilitas sudah sangat parah sehingga mempengaruhi profitabilitas, likuiditas dan solvabilitas suatu bank, maka kepercayaan para penitip dana terhadap bank akan hilang (Fazriani and Mais 2019). Untuk menghitung rasio NPF, digunakan rumus sebagai berikut: NPF = (Total NPF / Total Pembiayaan) x 100%…”

Section: Non Performing Financing (Npf)unclassified

Pengaruh Pembiayaan Ijarah, Non-Performing Financing Dan Financing To Deposit Ratio Terhadap Return On Assets Pada Unit Usaha Syariah Tahun 2018-2020

Sari

Aulia

Anami

et al. 2021

JPS

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This study aims to determine the effect of ijarah financing, non-performing financing (NPF) and financing to deposit ratio (FDR) on return on assets (ROA) in Islamic business units (IBU) in 2018-2020. In this study, secondary data is used in the form of published quarterly financial reports of Islamic business units which are obtained from the website of the Financial Services Authority. The method used in this research is multiple linear regressions. The results of this study indicate that partially the ijarah financing variable has no significant effect on ROA, while NPF and FDR affect ROA. Ijarah financing cannot be used as a partial determining factor for ROA for IBU, but simultaneously ijarah financing, NPF and FDR can be used as a determining factor for ROA for IBU. Stakeholders can use the NPF and FDR variables as determinants of the level of ROA of an IBU.

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Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah terhadap Return On Asset melalui Non Performing Financing sebagai Variabel Intervening (pada Bank Umum Syariah yang Terdaftar diotoritas Jasa Keuangan)

Cited by 20 publications

References 0 publications

Influence Analisys of Mudharabah, Musharakah, and Murabahah Financing to Profitability of Sharia Commercial Bank in Indonesia 2016-2019 With Non Performing Financing as Intervening Variable

Influence Analisys of Mudharabah, Musharakah, and Murabahah Financing to Profitability of Sharia Commercial Bank in Indonesia 2016-2019 With Non Performing Financing as Intervening Variable

Pengaruh Pembiayaan Murabahah Dan Musyarakah Terhadap Return on Assets Bank Umum Syariah

Pengaruh Pembiayaan Ijarah, Non-Performing Financing Dan Financing To Deposit Ratio Terhadap Return On Assets Pada Unit Usaha Syariah Tahun 2018-2020

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