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All Journal IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam
Dhea Ayu Melina
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Religion Economics, Econometrics & Finance

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APAKAH MUSYARAKAH DAN IJARAH BERKONTRIBUSI TERHADAP PROFITABILITAS? Dhea Ayu Melina; Ari Kamayanti; Ahmad Jarnuzi
Imanensi: Jurnal Ekonomi, Manajemen, dan Akuntansi Islam Vol 8 No 1 (2023): Imanensi: Jurnal Ekonomi, Manajemen, dan Akuntansi Islam
Publisher : Forum Dosen Ekonomi dan Bisnis Islam (FORDEBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34202/imanensi.8.1.2023.55-66

Abstract

This study aims to obtain empirical evidence regarding whether profitability is affected by musyarakah, mudharabah, and leasing/ijarah financing. Multiple linear regression analysis was used as the method. Seven Islamic Commercial Banks that have consistently registered with the OJK during 2016-2020 are the samples in this study. Research shows that mudharabah contributes to the profitability of Islamic Commercial Banks, while musyarakah and leasing/ijarah do not trigger an increase in profitability. This reason is because musyarakah distribution has not yet reached the maximum stage, while special ijarah financing for leasing is relatively small used by customers. Abstrak Penelitian ini bertujuan memperoleh bukti empiris terkait apakah profitabilitas dipengaruhi oleh pembiayaan musyarakah, mudharabah, dan pembiayaan sewa/ijarah. Analisis regresi linier berganda digunakan sebagai metode. Tujuh Bank Umum Syariah yang telah terdaftar di OJK secara konsisten selama 2016-2020 menjadi sampel pada penelitian ini. Penelitian menunjukan mudharabah berkontribusi terhadap profitabilitas Bank Umum Syariah, sedangkan musyarakah dan sewa/ijarah tidak memicu peningkatan profitabilitas. Alasan ini dikarenakan penyaluran musyarakah belum mencapai tahap maksimal sedangkan pembiayaan ijarah khusus untuk leasing yang relatif kecil dipergunakan oleh nasabah.
Co-Authors Ahmad Jarnuzi Ari Kamayanti