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Pengaruh Pembiayaan Nurabahah, Mudharabah Dan Musyawarah Terhadap Return On Asset Pada Bank Muamalat
"Purpose :This research aims to determine which of murabahah
financing,
mudharabah financing, and musyarakah
financing has the most significant influence on return on
assets (ROA) at Bank Muamalat Indonesia for the period
2013–2024.
: This research used 48 data samples from Bank Muamalat's
quarterly financial reports for the period 2013–2024. The
method used was quantitative descriptive with multiple
linear regression analysis. Classical assumption tests
(normality,
multicollinearity,
heteroscedasticity,
and
autocorrelation), t-tests, F-tests, and coefficient of
determination (R²) were conducted using SPSS version 25
software.
Results/Findings
Keywords
: The results of this research indicate that (1) Murabahah
financing does not have a significant effect on ROA. (2)
Mudharabah financing has a significant positive effect on
ROA. (3) Musyarakah financing has a significant negative
effect on ROA. (4) all three types of financing have a
significant effect on ROA. The coefficient of determination
(R²) value is 48.2%, which means that the independent
variable is able to explain 48.2% of the variation in ROA,
while the remaining 51.8% is influenced by other factors
outside the research model.
:
Murabahah Financing, Mudharabah Financing,"
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