PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2010-2017

Ahmad Maulidizen, Nida Nabila

Abstract


The development of the Indonesian economy is inseparable from the rapid development of the banking sector, including Islamic banking. This will cause competition between banks to be even tighter to increase competitiveness in various sectors, including the level of profitability. However, the profitability of Sharia Commercial Banks is still low, which is below the standard set by Bank Indonesia of 1.5%. This study aims to describe the description of murabahah financing and profitability, as well as verify the effect of murabahah financing on profitability in sharia commercial banks in Indonesia. Profitability is measured using Return On Assets (ROA) and murabahah financing measured by net murabahah financing on the financial statements of each bank. The research method used is descriptive and verification method. The number of samples used in this study were 72 observational data from 9 Islamic Commercial Banks in Indonesia during the period 2010-2017. The results of this study murabahah financing have a positive and significant effect on the profitability of Islamic Commercial Banks in Indonesia


Keywords


Keywords: Financing; Murabahah financing; Profitability; Return On Assets (ROA); Shariah Commercial Banks (BUS).

References


Daftar Pustaka

Ahmad Maulidizen, Literature Study on Murābaḥah Financing in Islamic Banking in Indonesia. Jurnal Economica.: Jurnal Ekonomi Islam. Vol. 9, No.1 (2018): hlm. 25-51

Ahmad Maulidizen, Islamic Finance In Theory And Practice: A Critical Analysis. IslamiConomics; Jurnal Ekonomi Islam. Vol. 8, No.2 (2018): hlm. 111-140

Asrina, P. (2015). Analisis Pengaruh PDB, Nilai Tukar Rupiah, Non Performing Financing (NPF), BOPO terhadap Profitabilitas (ROA) Perbankan Syariah di Indonesia Periode 2008-2013. Jom FEKON, Vol. 2 No. 1, hlm. 1-13

Karnaen Perwataatmadja dan Hendri Tanjung, Bank Syariah (Teori, Praktik dan Peranannya) (Jakarta: Pustaka Pelajar, 2012), hlm. 77.

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Nugraheni, P. (2014). Pengaruh Risiko Likuiditas Terhadap Profitabilitas Pada Perbankan Syariah dan Konvensional di Indonesia. Jurnal Akuntansi dan Investasi, Vol. 15 No. 1, hlm. 1-16

Veithzal Rivai dan Arifin Arviyan. Commercial Bank Management Perbankan Dari Teori ke Praktik. Jakarta: PT. RajaGrafindo Persada, 2013.




DOI: http://dx.doi.org/10.21043/jp.v13i2.6397

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Indexed by:

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

 

 

JURNAL PENELITIAN by Research Center of IAIN Kudus, Indonesia is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.