Pengaruh Pembiayaan Mudharabah dan Tabungan Wadiah Terhadap Profitabilitas Bank Syariah di Indonesia

Ami Nullah Marlis Tanjung

Abstract


This research is a quantitative study, to see the effect of mudharabah financing and wadiah savings on profitability, in this case profitability is represented by Retrun On Asset. The results obtained that partially, mudharabah affects Retrun On Asset as seen from the t count > t table (8,511>1,663) and a significant level smaller than 0.05 (0.002<0.05).  Wadiah savings affect ROA  as seen from the t count > t table (4,243>1,663) and a significant level smaller than 0.05 (0.003<0.05).  Meanwhile, simultaneously, mudharabah financing and wadian savings affect Retrun On Asset in Islamic banks in Indonesia, amounting to 82.0%.

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References


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Inti Dwi Permata, R., Yaningwati, F., & Zahro Z.A. (2014). ANALISIS PENGARUH TINGKAT PROFITABILITAS ( RETURN ON EQUITY ) ( Studi ... Jurnal Administrasi Bisnis.

Keuangan, O. J. (2022). Statistik Perbnkan Syariah. Www.Ojk.Go.Id. https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/Documents/Pages/Statistik-Perbankan-Syariah---Februari-2022/STATISTIK PERBANKAN SYARIAH - FEBRUARI 2022.pdf

Maulia, Ade Puspa, Supaino, sari E. (2021). Pengaruh Tabungan Wadiah dan Deposito Mudharabah Terhadap Pembiayaan Murabahah PT Bank Sumut Syariah. Jurnal BILAL: Bisnis Ekonomi Halal, 2(2), 100–109.

Mawaddah, N. (2021). Faktor-Faktor yang Mempengaruhi Profitabilitas Bank. Prismakom, 18(1), 1–6. https://doi.org/10.54918/prismakom.v18i1.65

Nafis, R. K., & Sudarsono, H. (2021). Faktor –Faktor yang Mempengaruhi Pembiayaan Mudharabah pada Bank Umum Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 7(1), 164. https://doi.org/10.29040/jiei.v7i1.1614




DOI: https://doi.org/10.30596/aghniya.v4i1.11175

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Aghniya: Jurnal Ekonomi Islam

Faculty of Islamic Religion,Universitas Muhammadiyah Sumatera Utara. Address: Kampus Utama Jl. Kapten Muchtar Basri No.3, Glugur Darat II,Medan Sumatera Utara-20238.

E-mail: aghniya@umsu.ac.id