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Pengaruh Volume Pembiayaan Mudharabah, Musyarakah, dan Ijarah terhadap ROA Bank Umum Syariah

Authors

  • Arie Nugraha Fakultas Ekonomi dan Bisnis Universitas Islam Bandung
  • Azib

DOI:

https://doi.org/10.29313/jrmb.v2i1.869

Keywords:

Pembiayaan Mudharabah, Pembiayaan Musyarakah, Pembiayaan Ijarah

Abstract

Abstract. This study aims to determine the effect of the volume of mudharabah financing, the volume of musyarakah financing and the volume of ijarah financing on the ROA of Islamic commercial banks. The research object used in this research is BRI Syariah Bank, BCA Syariah Bank, Muamalat Bank, Syariah Bukopin Bank, and Victoria Syariah Bank. The analytical tool used in this research is panel data regression with the help of the Eviews program. From the results of panel data regression testing, partially the volume of mudharabah financing has a negative and insignificant effect on ROA, the volume of musyarakah financing has a negative and insignificant effect on ROA, the volume of ijarah financing has a negative and insignificant effect on ROA. Meanwhile, simultaneously the volume of mudharabah financing, musyarakah financing, and ijarah financing have an effect on ROA.

Abstrak. penelitian ini mempunyai tujuan agar bisa mengetahui pengaruh dari volume pembiayaan mudharabah, volume pembiayaan musyarakah dan volume pembiayaan ijarah terhadap ROA pada bank umum syariah. Objek penelitian yang digunakan dalam penelitian ini adalah Bank BRI Syariah, Bank BCA Syariah, Bank Muamalat, Bank Bukopin Syariah, Bank Victoria Syariah. Alat analisis yang digunakan pada penelitian ini yaitu regresi data panel dengan bantuan program Eviews. Dari hasil pengujian regresi data panel, secara parsial volume pembiayaan mudharabah berpengaruh negatif dan tidak signifikan terhadap ROA, volume pembiayaan musyarakah berpengaruh negatif dan tidak signifikan terhadap ROA, volume pembiayaan ijarah berpengaruh negatif dan tidak signifikan terhadap ROA. Sedangkan secara simultan volume pembiayaan mudharabah, pembiayaan musyarakah dan pembiayaan ijarah berpengaruh bersamaan terhadap ROA.

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Published

2022-07-12