Pengaruh Pembiayaan Mudharabah, Musyarakah, Murabahah Dan Qardh Terhadap Profitabilitas (ROA) (Studi Empiris Pada PT Bank BCA Syariah Tahun 2017-2021)

Abstract

This study aims to determine the effect of mudharabah, musyarakah, murabahah, and qardh financing on profitability as a proxy for Return On Assets at Bank BCA Syariah for the 2017-2021 period. The population in this study is BCA Syariah Bank. Sampling was carried out by purposive sampling with data for the 2017-2021 period from Bank BCA Syariah's monthly financial reports of 60 data. The type of data used is secondary data and time series obtained by using the method of documentation and literature study. The research method used is a quantitative research method using descriptive statistical analysis, classical assumption test and multiple linear regression analysis. The results of this study partially (t-test) are mudharabah financing with a t value of -2.331 and a significant value of 0.023, so it has a negative and significant effect on profitability (ROA). Musyarakah financing with t value of 2.978 and a significant value of 0.004 has a positive and significant effect on profitability (ROA). Murabahah financing with a tvalue of 0.094 and a significant value of 0.926 has a positive and not significant effect on profitability (ROA). Qardh financing with a t-value of -2.083 and a significant value of 0.042 has a negative and significant effect on profitability (ROA).