Pengaruh Pembiayaan Mudharabah, Pembiayaan Murabahah, Non Performing Finance (NPF), dan Net Operating Margin (NOM) Terhadap Profitabilitas Bank Umum Syariah Di Indonesia

Rahmawati, Hanif Triyana (2021) Pengaruh Pembiayaan Mudharabah, Pembiayaan Murabahah, Non Performing Finance (NPF), dan Net Operating Margin (NOM) Terhadap Profitabilitas Bank Umum Syariah Di Indonesia. Skripsi thesis, Universitas Pancasakti Tegal.

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Abstract

ABSTRAK Tujuan penelitian ini adalah untuk mengetahui pengaruh pembiayan mudharabah, pembiayaan murabahah, Non Performing Financing (NPF), dan Net Operating Margin (NOM) terhadap profitabilitas Bank Umum Syariah. Metode pengumpulan data yang digunakan adalah data sekunder yang berasal dari laporan keuangan yang telah dipublikasi. Sampel dalam penelitian ini menggunakan metode purposive sampling sehingga diperoleh sebanyak 10 sampel bank umum syariah dari jumlah populasinya yaitu sebanyak 14 bank umum syariah. Hasil yang didapat pada penelitian ini ialah pembiayaan mudharabah berpengaruh positif terhadap profitabilitas, sedangkan pembiayaan murabahah dan NPF berpengaruh negatif terhadap profitabilitas. Sementara itu NOM tidak memiliki pengaruh terhadap profitabilitas bank umum syariah. Kata kunci: profitabilitas bank umum syariah, pembiayaan mudharabah, pembiayaan murabahah, NPF, NOM. =============================================================================================== ABSTRACK The purpose of this study was to determine the effect of mudharabah financing, murabahah financing, Non Performing Financing (NPF), and Net Operating Margin (NOM) on the profitability of Islamic Commercial Banks. Data collection methods used are secondary data derived from published financial statements. The sample in this study used a purposive sampling method in order to obtain as many as 10 samples of Islamic banks from the total population of 14 Islamic banks. The results obtained in this study are mudharabah financing has a positive effect on profitability, while murabahah financing and NPF have a negative effect on profitability. Meanwhile NOM has no influence on the profitability of Islamic commercial banks. Keywords: profitability of Islamic commercial banks, mudharabah financing, murabahah financing, NPF, NOM.

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