ANALISIS PENGARUH PRODUK PEMBIAYAAN DAN RESIKO TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2014-2021

ARNANDHO SANDHI PRADANA, 12401183234 (2022) ANALISIS PENGARUH PRODUK PEMBIAYAAN DAN RESIKO TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2014-2021. [ Skripsi ]

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menelaah impak pembiayaan Mudharabah, Musyarakah, Murabahah, Risiko Kredit dan Risiko Likuiditas atas Profitabilitas Bank Umum Syariah Periode 2014-2021. Pentingnya kedudukan profitabilitas bagi perusahaan salah satunya pada perbankan. Sebab serta adanya profitabilitas yang baik bakal berdampak dan akan menjadi jaminan keberlangsungan hidup dari suatu perusahaan. Data didapat dengan membuka laporan keuangan dan laporan triwulan menelusuri situs masing-masing Bank Umum Syariah. Populasi penelitian ini yakni Bank Umum Syariah (BUS) yang tercatat di Bank Indonesia. Sepanjang menganalisisnya, pengkaji mengunakan regresi linier berganda serta software instrumen statistik SPSS. Lantaran hasil pemeriksaan dan analisis data yang telah dilaksanakan, dimana faktor pembiayaan musyarakah, mudharabah dan murabahah memegang 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 financing on the profitability of Islamic Commercial Banks for the 2014-2021 Period. The importance of the position of profitability for companies, one of which is in banking. Because and the existence of good profitability will have an impact and will be a guarantee of the survival of a company.The data is obtained by opening the financial reports and quartely reports by browsing the sites of each Islamic Commercial Bank. The population of this research is Islamic Comercial Banks (BUS) which are registered at Bank Indonesia. Throughout the analysis, the reviewer used multiple linear regression and SPSS statistical instrument software. Because of the results of the examination and data analysis that has 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. Keyword : Mudharabah; Murabahah; Profitability; Credit Risk; Likuidity Risk

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