Pengaruh Pendapatan Pembiayaan Mudharabah dan Pembiayaan Musyarakah Terhadap Laba Bersih yang Diperoleh Bank BNI Syariah Periode 2016-2019

Abstract

This study aims to determine the effect of income from Mudharabah financing and Musyarakah financing on Net Profit at Bank BNI Syariah. This study is motivated by the income of Mudharabah financing at Bank BNI Syariah, which fluctuated from 2016 to 2017, and the income of Musharakah financing has increased every year. This study uses a quantitative approach, and the data used are secondary data obtained from the monthly financial statements of Bank BNI Syariah during 2016-2019 from 48 samples. The sampling technique in this study was purposive sampling. The data analysis methods used are classical assumption test, multiple linear tests, hypothesis tests, and determinations coefficient tests. The results of partial and simultaneous test indicate that Mudharabah and Musyarakah financing significantly and positively influence Net Profit of Bank BNI Syariah.