Pengaruh Pembiayaan Mudharabah, Musyarakah, Murabahah, dan Ijarah terhadap Return on Equity (ROE) Bank BCA Syariah Periode 2018–2022

Permana, Daffa Abdi
Fatoni, Ahmad

Risalah Iqtisadiyah
Vol 4 No 1 (2025): January - June 2025

This study aims to examine the effect of mudharabah, musyarakah, murabahah, and ijarah financing on the return on equity (ROE) of Bank BCA Syariah. This research employs a quantitative approach with a saturated sampling technique. Secondary data were obtained from the quarterly financial reports of Bank BCA Syariah for the period 2018–2022. Data were analyzed using classical assumption tests, multiple linear regression, t-test, F-test, and the coefficient of determination with SPSS v23. The results show that, partially, mudharabah, musyarakah, and ijarah financing have no significant effect on ROE, while murabahah financing has a positive and significant effect on ROE. Simultaneously, the four financing variables do not have a significant effect on ROE.