Pengaruh Pembiayaan Musyarakah Mudharabah dan Murabahah Terhadap Profitabilitas Bank BSI
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Published
Apr 15, 2024
Abstract
This research aims to analyze the influence of musyarakah, mudharabah and murabahah financing on the profitability (ROE) of Bank Syariah Indonesia for the 2013-2023 period. The Ordinary Least Squares (OLS) method was used to analyze the financial data of Bank Syariah Indonesia from 2013 to 2023. The results of the analysis show that the three types of financing, both partially and simultaneously, have a positive and significant effect on the financial performance of Bank Syariah Indonesia. financial performance of Bank Syariah Indonesia. profitability of Indonesian Sharia Bank. These findings underline the importance of effective asset and capital management in improving the financial performance of Islamic banks. Thus, this research provides a better understanding of the relationship between types of sharia financing and bank profitability, as well as providing guidance for sharia bank management in making decisions to achieve better financial performance in the future.
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How to Cite
Sawaldi, A. and Surur, M. (2024) “Pengaruh Pembiayaan Musyarakah Mudharabah dan Murabahah Terhadap Profitabilitas Bank BSI”, Ranah Research : Journal of Multidisciplinary Research and Development, 6(3), pp. 330-339. doi: 10.38035/rrj.v6i3.824.
References
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Abduh, M., & Surur, M. (2013). The Dynamics Of Macroeconomics Variables And The Volatility Of Indonesia Stock Markets : Evidence From Islamic And Conventional Stock Markets. Journalof Islamic Banking And Finance, November 2014, 25–33.
Alto, V. (2023). Understanding Ordinary Least Squares (Ols) Regression. Understanding Ordinary Least Squares (Ols) Regression
Andika Yanuar Ramadani, W. (2023). Analisis Pengaruh Pembiayaan Mudharabahdan Pembiayaan Musyarakah Terhadap Rasio Profitabilitas (Roe) Return On Equity. Jurnal Ilmiah Wahana Pendidikan, 9(April), 29–39. Https://Doi.Org/Https://Doi.Org/10.5281/Zenodo.7802080
Ascarya. (2008). Akad Dan Produk Bank Syariah (6th Ed.). Raja Grafindo Persada.
Astrom, H. O. (N.D.). Manajemen Risiko Kredit Yang Berkaitan Dengan Instrumen Bagi Hasil Pada Perbankan Syariah. Jurnal Pelaporan Keuangan Dan Akuntansi, 11, 80–91. Https://Doi.Org/Https://Doi.Org/10.1108/Jfra-03-2013-0014
Dataindonesia.Id. (2022). Deretan 8 Emiten Bank Dengan Roe Terbesar Per Kuartal Ii/2022. Https://Dataindonesia.Id/Korporasi/Detail/Deretan-8-Emiten-Bank-Dengan-Roe-Terbesar-Per-Kuartal-Ii2022
Fernando, J. (2024). Return On Equity (Roe) Calculation And What It Means. Investopedia. Https://Www.Investopedia.Com/Terms/R/Returnonequity.Asp
Ghazali, I. (2018). Aplikasi Analisis Multivariate Dengan Program Spss. Badan Penerbit Undip.
Ghozali, I. (2016). Aplikasi Analisis Multivariete Dengan Program Ibm Spss 23 (8th Ed.). Semarang Badan Penerbit Universitas Diponegoro , 2016. Https://Kin.Perpusnas.Go.Id/Displaydata.Aspx?Pid=218217&Pregioncode=Un11mar&Pclientid=112
Hendryadi, S. &. (2016). Metode Riset Kuantitatif: Teori Dan Aplikasi Pada Penelitian Bidang Manajemen Dan Ekonomi Islam. Kencana.
Hirtle, Beverly J.; Kovner, Anna; Plosser, M. (2016). Federal Reserve Bank Of New York The Impact Of Supervision On Bank Performance. 768.
Iskandar, Muhammad Nur. (2020). Analisis Pengaruh Pembiayaan Mudharabah, Musyarakah, Murabahah Terhadap Tingkat Profitabilitas Return On Equity (Roe) Pada Pt. Bank Bri Syariah Periode 2012-2018. Jurnal Ilmu Pendidikan, 7(2), 809–820.
Laela Lestari, Noor Shodiq Askandar, S. A. A. U. (2023). Pengaruh Pembiayaan Mudharabah , Musyarakah Dan Ijarah. El-Aswaq: Islamic Economic And Finance Journal, 4(1), 49–61.
Mohd. Yusof, R., & Bahlous, M. (2013). Islamic Banking And Economic Growth In Gcc & East Asia Countries: A Panel Cointegration Analysis. Journal Of Islamic Accounting And Business Research, 4(2), 151–172. Https://Doi.Org/10.1108/Jiabr-07-2012-0044
Muhani, M., Digdowiseiso, K., & Prameswari, K. M. (2022). The Effects Of Sales Growth, Current Ratio, Total Asset Turnover, Debt To Asset Ratio, And Debt To Equity Ratio On The Return On Equity In Energy And Mining Companies. Budapest International Research And Critics Institute-Journal (Birci-Journal), 5(1), 1240–1246.
Mukmin, Nevi Laila Khasanah, T. (2020). Pengaruh Pembiayaan Mudharabah, Musyarakah, Dan Murabahah Terhadap Profitabilitas Bank Umum Syariah Periode 2015-2019. 2017(1), 1–9. Http://190.119.145.154/Handle/20.500.12773/11756
Nadratuzzaman Hosen, M., Muhari, S., & Costner Kardius, K. (2021). The Effects Of Productivity And Liquidity On The Profitability Of Islamic Banks In Indonesia. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 13(2), 411–430. Https://Doi.Org/10.15408/Aiq.V13i2.22585
Nalta, S., Wijaya, I., & Haris, H. (2019). Pengaruh Pembiayaan Mudharabah Dan Musyarakah Terhadap Return On Equity Pada Pt. Bank Pembiayaan Rakyat Syariah Di Indonesia. El-Amwal, 1(2), 23. Https://Doi.Org/10.29103/El-Amwal.V1i2.1349
Nashr, A., & Muhammad, H. (2017). Promoting Islamic Private Equity Fund As An Ideal Financial Intermediary Institution. Ikonomika, 2(1), 112–130. Https://Doi.Org/10.24042/Febi.V2i1.943
Pratiwi, G., & Lubis, T. (2021). Pengaruh Kualitas Produk Dan Harga Terhadap Kepuasan Pelanggan Ud Adli Di Desa Sukajadi Kecamatan Perbaungan. All Fields Of Science Journal Liaison Academia And Sosiety, 1(3), 27–41. Https://Doi.Org/10.58939/Afosj-Las.V1i3.83
Putra, P. (2018). Pengaruh Pembiayaan Mudharabah, Musyarakah, Murabahah, Dan Ijarah Terhadap Profitabilitas 4 Bank Umum Syariah Periode 2013-2016. Jurnal Organisasi Dan Manajemen, 14(2), 140–150. Https://Doi.Org/10.33830/Jom.V14i2.159.2018
Rahayu, Y. S., & Dkk. (2017). Pengaruh Pembiayaan Bagi Hasil Mudharabah Dan Musyarakah Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia. Kajian Ilmiah Akuntansi Fakultas Untan (Kiafe), 3(6), 4.
Ramadhani, R. (2016). Pengaruh Pembiayaan Mudharabah, Musyarakah, Dan Murabahah Terhadap Profitabilitas Bank Syariah Mandiri, Tbk. Jurnal Ilmiah Mahasiswa Feb, 3(2).
Widya, R. W., & Nugrahani, C. (2018). Asset Scale And Capital Structure On The Performance Of Sharia Banks. Afre (Accounting And Financial Review), 1(2), 93–100. Https://Doi.Org/10.26905/Afr.V1i2.2789
Abduh, M., & Surur, M. (2013). The Dynamics Of Macroeconomics Variables And The Volatility Of Indonesia Stock Markets : Evidence From Islamic And Conventional Stock Markets. Journalof Islamic Banking And Finance, November 2014, 25–33.
Alto, V. (2023). Understanding Ordinary Least Squares (Ols) Regression. Understanding Ordinary Least Squares (Ols) Regression
Andika Yanuar Ramadani, W. (2023). Analisis Pengaruh Pembiayaan Mudharabahdan Pembiayaan Musyarakah Terhadap Rasio Profitabilitas (Roe) Return On Equity. Jurnal Ilmiah Wahana Pendidikan, 9(April), 29–39. Https://Doi.Org/Https://Doi.Org/10.5281/Zenodo.7802080
Ascarya. (2008). Akad Dan Produk Bank Syariah (6th Ed.). Raja Grafindo Persada.
Astrom, H. O. (N.D.). Manajemen Risiko Kredit Yang Berkaitan Dengan Instrumen Bagi Hasil Pada Perbankan Syariah. Jurnal Pelaporan Keuangan Dan Akuntansi, 11, 80–91. Https://Doi.Org/Https://Doi.Org/10.1108/Jfra-03-2013-0014
Dataindonesia.Id. (2022). Deretan 8 Emiten Bank Dengan Roe Terbesar Per Kuartal Ii/2022. Https://Dataindonesia.Id/Korporasi/Detail/Deretan-8-Emiten-Bank-Dengan-Roe-Terbesar-Per-Kuartal-Ii2022
Fernando, J. (2024). Return On Equity (Roe) Calculation And What It Means. Investopedia. Https://Www.Investopedia.Com/Terms/R/Returnonequity.Asp
Ghazali, I. (2018). Aplikasi Analisis Multivariate Dengan Program Spss. Badan Penerbit Undip.
Ghozali, I. (2016). Aplikasi Analisis Multivariete Dengan Program Ibm Spss 23 (8th Ed.). Semarang Badan Penerbit Universitas Diponegoro , 2016. Https://Kin.Perpusnas.Go.Id/Displaydata.Aspx?Pid=218217&Pregioncode=Un11mar&Pclientid=112
Hendryadi, S. &. (2016). Metode Riset Kuantitatif: Teori Dan Aplikasi Pada Penelitian Bidang Manajemen Dan Ekonomi Islam. Kencana.
Hirtle, Beverly J.; Kovner, Anna; Plosser, M. (2016). Federal Reserve Bank Of New York The Impact Of Supervision On Bank Performance. 768.
Iskandar, Muhammad Nur. (2020). Analisis Pengaruh Pembiayaan Mudharabah, Musyarakah, Murabahah Terhadap Tingkat Profitabilitas Return On Equity (Roe) Pada Pt. Bank Bri Syariah Periode 2012-2018. Jurnal Ilmu Pendidikan, 7(2), 809–820.
Laela Lestari, Noor Shodiq Askandar, S. A. A. U. (2023). Pengaruh Pembiayaan Mudharabah , Musyarakah Dan Ijarah. El-Aswaq: Islamic Economic And Finance Journal, 4(1), 49–61.
Mohd. Yusof, R., & Bahlous, M. (2013). Islamic Banking And Economic Growth In Gcc & East Asia Countries: A Panel Cointegration Analysis. Journal Of Islamic Accounting And Business Research, 4(2), 151–172. Https://Doi.Org/10.1108/Jiabr-07-2012-0044
Muhani, M., Digdowiseiso, K., & Prameswari, K. M. (2022). The Effects Of Sales Growth, Current Ratio, Total Asset Turnover, Debt To Asset Ratio, And Debt To Equity Ratio On The Return On Equity In Energy And Mining Companies. Budapest International Research And Critics Institute-Journal (Birci-Journal), 5(1), 1240–1246.
Mukmin, Nevi Laila Khasanah, T. (2020). Pengaruh Pembiayaan Mudharabah, Musyarakah, Dan Murabahah Terhadap Profitabilitas Bank Umum Syariah Periode 2015-2019. 2017(1), 1–9. Http://190.119.145.154/Handle/20.500.12773/11756
Nadratuzzaman Hosen, M., Muhari, S., & Costner Kardius, K. (2021). The Effects Of Productivity And Liquidity On The Profitability Of Islamic Banks In Indonesia. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 13(2), 411–430. Https://Doi.Org/10.15408/Aiq.V13i2.22585
Nalta, S., Wijaya, I., & Haris, H. (2019). Pengaruh Pembiayaan Mudharabah Dan Musyarakah Terhadap Return On Equity Pada Pt. Bank Pembiayaan Rakyat Syariah Di Indonesia. El-Amwal, 1(2), 23. Https://Doi.Org/10.29103/El-Amwal.V1i2.1349
Nashr, A., & Muhammad, H. (2017). Promoting Islamic Private Equity Fund As An Ideal Financial Intermediary Institution. Ikonomika, 2(1), 112–130. Https://Doi.Org/10.24042/Febi.V2i1.943
Pratiwi, G., & Lubis, T. (2021). Pengaruh Kualitas Produk Dan Harga Terhadap Kepuasan Pelanggan Ud Adli Di Desa Sukajadi Kecamatan Perbaungan. All Fields Of Science Journal Liaison Academia And Sosiety, 1(3), 27–41. Https://Doi.Org/10.58939/Afosj-Las.V1i3.83
Putra, P. (2018). Pengaruh Pembiayaan Mudharabah, Musyarakah, Murabahah, Dan Ijarah Terhadap Profitabilitas 4 Bank Umum Syariah Periode 2013-2016. Jurnal Organisasi Dan Manajemen, 14(2), 140–150. Https://Doi.Org/10.33830/Jom.V14i2.159.2018
Rahayu, Y. S., & Dkk. (2017). Pengaruh Pembiayaan Bagi Hasil Mudharabah Dan Musyarakah Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia. Kajian Ilmiah Akuntansi Fakultas Untan (Kiafe), 3(6), 4.
Ramadhani, R. (2016). Pengaruh Pembiayaan Mudharabah, Musyarakah, Dan Murabahah Terhadap Profitabilitas Bank Syariah Mandiri, Tbk. Jurnal Ilmiah Mahasiswa Feb, 3(2).
Widya, R. W., & Nugrahani, C. (2018). Asset Scale And Capital Structure On The Performance Of Sharia Banks. Afre (Accounting And Financial Review), 1(2), 93–100. Https://Doi.Org/10.26905/Afr.V1i2.2789