Pengaruh Pembiayaan Mudharabah dan Musyarakah Terhadap Profitabilitas

Abstract

ABSTRAK In this research, we want to know the effect of mudarabah and musharakah financing on the profitability (ROA) of Bank Muamalat Indonesia. In this case the author uses quantitative methods and the type of data in this study is secondary data in the form of time-series. The population used is a quarterly financial report at Bank Muamalat Indonesia for the period 2012-2019 where the total is 32 financial reports for 8 years. The sample selection uses a saturated sample where all of the population is sampled. The findings show that: (1) Mudharabah financing has a positive and significant effect on profitability (ROA). Proven by sig. 0.014 < 0.05 t count 2.617 > t table 2.042. (2) Musharakah financing has a negative and significant effect on profitability (ROA). Proven by sig. 0.000 < 0.05 t count-7.102 > t table 2.042.