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Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah terhadap Profitabilitas Melalui Non-performing Financing Sebagai Variabel Intervening (pada Bank Pembiayaan Rakyat Syariah di Indonesia Periode 2020-2022)

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The aim of this research is to determine the effect of non-performing financing (NPF) which is used as an intervening variable on return on assets (ROA) of loans in the form of mudharabah, musyarakah and murabahah. The current research was conducted on 47 banks that are members of the Financial Services Authority (OJK) between 2020 and 2022. The data used in this research is second level data collected using a sampling technique called Purposive Sampling, and statistical analysis. carried out using Eviews software version 10. Research findings show that mudharabah, musyarakah and murabahah purchases have a negative impact on ROA. Apart from that, mudharabah and murabah financing also have a negative impact on NPF, while musyarakah financing has a positive impact. However, NPF does not have a significant dampening effect on ROA. Apart from that, mudharabah and murabahah financing also have a negative impact on the NPF, while musyarakah financing has a positive impact on the NPF. However, NPF does not have a significant impact on ROA. In addition, financing in the form of mudharabah and murabahah has a positive impact on ROA through the use of NPF as an intervening variable, while musyarakah financing has a negative impact on ROA through the use of NPF as an intervening variable.

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Detail Information

Call Number

-

Language

Indonesia

NPM

205210310

Publisher

Manajemen : Universitas Islam Riau., 2024

Keyword(s)

ROA
Mudharabah
Murabahah
NPF
Musyarakah

Other Information

Petugas

Uthi Kurnia

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