Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam
Vol. 4 No. 2 (2020)

Jumlah Pembiayaan Murabahah dengan Tenor Pembiayaan Terhadap Profitabilitas Bank BNI Syariah

Khori Muharani (pascauinjambi)



Article Info

Publish Date
30 Dec 2020

Abstract

ABSTRACT This study aims to measure the impact of the effect of the amount of murabahah financing based on short and long-term financing tenors on profitability (ROA) at BNI Syariah KC Jambi City. Determine the amount of murabahah financing with a financing tenor based on the financing products offered by Islamic banks. The analysis method used is multiple linear regression, by performing the classical assumption test, T test, F test and R2 test. The analysis results show that partially the amount of murabahah financing with a financing tenor of 1-2 has a positive effect on profitability (ROA) with sig 0.019 <0.05. The variable of the amount of murabahah financing with a financing tenor of 3-5 years, and the amount of murabahah financing with a financing tenor of more than 5 years-20 years did not have a significant effect on profitability (ROA) with sig degrees 0.636> 0.05 and 0.146> 0.05. Simultaneous test (F test) of all independent variables has a significant effect on profitability (ROA) with a significance value of 0.007 <0.05. The coefficient of determination R Square is 52.2%, the effect between variables on ROA while the remaining 47.8% is influenced by other factors outside the research model. Keywords: Total Murabahah Financing; Tenor Financing; Profitability (ROA).

Copyrights © 2020






Journal Info

Abbrev

al-urban

Publisher

Subject

Economics, Econometrics & Finance

Description

Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam (Journal of Islamic Economics and Islamic Philantropy) is an national journal published by Faculty of Economics and Business University of Muhammadiyah Prof. DR. HAMKA Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam (Journal of Islamic ...