ANALISIS PENGARUH PRODUK PEMBIAYAAN DAN RISIKO TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2014-2021 - Arnandho Sandhi Pradana; Rendra Erdkhadifa (Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung, 2023)
Abstrak: Penelitian ini bertujuan untuk menelaah dampak pembiayaan Mudharabah, Musyarakah, Murabahah, Risiko Kredit dan Risiko Likuiditas atas Profitabilitas Bank Umum Syariah Periode 2014-2021. Profitabilitas merupakan suatu bagian penting bagi setiap perusahaan salah satunya pada perbankan. Sebab adanya profitabilitas yang baik tentu akan berdampak dan menjadi jaminan keberlangsungan hidup dari suatu perusahaan. Data diperoleh dengan mengakses laporan keuangan dan laporan triwulan melalui website masing-masing Bank Umum Syariah. Populasi penelitian ini yakni 14 Bank Umum Syariah yang tercatat di Bank Indonesia. Serta diperoleh sampel sebanyak 1 yakni Bank Muamalat Syariah. Selama menganalisisnya, peneliti mengunakan regresi linier berganda serta software instrumen statistik SPSS. Diperoleh hasil pengamatan dan analisis data yang telah dilaksanakan, dimana faktor pembiayaan musyarakah, mudharabah dan murabahah mempunyai dampak negatif namun tidak signifikan akan ROA. NPF secara parsial berdampak negatif signifikan akan ROA. FDR secara parsial berdampak positif signifikan akan ROA. Kata Kunci : Mudharabah; Murabahah; Profitabilitas; Risiko Kredit; Risiko Likuiditas Abstract: This study aims to examine the impact of mudharabah, musyarakah, murabahah financing, credit risk and liquidity risk on the profitability of Islamic Commercial Banks for the 2014-2021 Period. Profitability is an important pert for every company, one of which is banking. Because the existence of good profitability will certainly have an impact and be a guarantee for the survival of a company. Data is obtained by accessing financial reports and quartely reports through the website of each Islamic Commercial Bank. The population of this study is 14 Islamic Commercial Banks registered at Bank Indonesia. As well as obtaining a sample of 1, namely Bank Muamalat Syariah. During the analysis, the researcher used multiple linear regression and SPSS statistical instrument software. Obtained result of observations and data analysis that have been carried out, where the musyarakah, mudharabah and murabahah financing faktors have a negative but not significant impact on ROA. NPF partially has a significant negative impact on ROA. FDR partially has a significant positive impact on ROA Keywords: Mudharabah; Murabahah; Profitability; Credit Risk; Likuidity Risk