PENGARUH PEMBIAYAAN MUDHARABAH, MUSYARAKAH DAN PIUTANG MURABAHAH TERHADAP LABA BERSIH PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2015-2020

Melya Radiatullah, Melya Radiatullah (2022) PENGARUH PEMBIAYAAN MUDHARABAH, MUSYARAKAH DAN PIUTANG MURABAHAH TERHADAP LABA BERSIH PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2015-2020. skripsi thesis, Universitas batanghri.

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Abstract

ABSTRACT MELYA RADIATULLAH/ 1700861201043/ FACULTY OF ECONOMICS/ MANAGEMENT/ FINANCE/ THE EFFECTT OF MUDHARABAH, MUSYARAKAH AND MURABAHAH FINANCING ON THE NET INCOME AT ISLAMIC COMERCIAL BANKS IN INDONESIA PERIOD 2015-2020/ 1st SUPERVISIOR Dr. YUNAN SURONO, S.E., M.M./ 2nd SUPERVISIOR IRA FEBRIANTI, S.E., M.S.AK. The purpose of this study were to find out the influence mudharabah, musyarakah dan murabahah fianancing to word net income simultaneously and partially on Islamic comercial banks in Indonesia on the period 2015-2020. The method of this study was a descriptive quantitative and to collect the data, this study used secondary data. Analysis method used in this study is multiple regression with panel data using SPSS 26. The test conducted were the normality test, muticolinearity test, heteroscedastity test, autocorrelation test and F hypothesis test t hyphotesisi and determined hoe largae the coefficient of determination (R 2 ). This research based on sampling criteri, there are 6 companies that used to sample research, namely PT Bank Muamalat Indonesia Tbk, PT Bank BRI Syariah Tbk, PT Bank BNI Syariah Tbk, PT Bank Syariah Mandiri Tbk, PT Bank KB Bukopin Syariah Tbk dan PT Bank BCA Syariah Tbk. Based on the result of the study, result that simultaneuosly based on the F test is mudharabah, musyarakah and murabahah financing have a significant influence toword net income because F count is greater than F table (20,808 > 2,90). And partially mudharabah financing have a significant effect on net income because t cuont is greater than t table (3,818 > 2,036), musyarakah financing have no significant effect on net income value of t count is smaller t table (0,849 < 2,036) and murabahah financing have no significant effect on net income because t count is smaller t table (1,467 > 2,036). From the results of this study it can be conculuded that mudharabah, musyarakah and murabahah financing simultaneously have significant effect on net income and partially indecate that mudharabah financing have a significant effect on net income, musyarakah and murabahah financing has no significant effect on net income.

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