Abstract
The purpose of this study was to determine and analyze the effect of Mudharabah Financing, Murabahah Financing and Mudharabah Savings on Return On Assets (ROA) of Indonesian Sharia People's Financing Banks for the 2015-2020 period. The research method used is descriptive quantitative method. The data used is secondary data. In this study, the analysis used is multiple linear regression analysis, coefficient of determination and hypothesis testing. Based on the results of the analysis of this study, it can be seen that partially Mudharabah Financing has a negative and significant effect on Return On Assets, Murabaha financing has a positive and significant effect on Return On Assets and Mudharabah Savings has a positive and significant effect on Return On Assets at Indonesian Islamic People's Financing Bank for the 2015 period. -2020 and simultaneously Mudharabah Financing, Murabahah Financing and Mudharabah Savings have a significant effect on the Return On Assets (ROA) of Indonesian Sharia Rural Banks for the 2015-2020 period. It is expected that the Indonesian Islamic People's Financing Bank will further improve its performance by minimizing financing risk and increasing the amount of third party funds so that its profitability growth is maximized.
Highlights
The purpose of this study was to determine and analyze the effect of Mudharabah Financing, Murabahah Financing and Mudharabah Savings on Return On Assets (ROA) of Indonesian Sharia People's Financing Banks for the 2015-2020 period
it can be seen that partially Mudharabah Financing has a negative
Mudharabah Savings have a significant effect on the Return On Assets
Summary
Hipotesis merupakan suatu pernyataan tentang keadaan parameter yang akan diuji dengan melalui statistik sampel. Uji Statistik t dilakukan untuk menguji bagaimana pengaruh masing-masing variabel bebas Uji ini dapat dilakukan dengan membandingkan t hitung dengan t tabel dengan tingkat signifikasi (α) 0,05. Uji statistik F dilakukan dengan tujuan untuk menunjukkan semua variabel bebas dimasukkan dalam model yang memiliki pengaruh secara bersama terhadap variabel terikat (Ghazali, 2018). Uji ini dapat dilakukan dengan membandingkan F tabel dengan F hitung. Deteksi data berdistribusi normal atau tidak dapat dilakukan dengan membandingkan nilai probabilitas Jarque-Bera hitung dengan tingkat alpha. Nilai dari Jarque-Bera sebesar 4,547 dengan probabilitas 0,102. Berdasarkan uji normalitas tersebut dapat disimpulkan data penelitian ini berdistribusi normal. Hasil perhitungan dapat diektahui bahwa nilai VIF Pembiayaan Mudharabah sebesar 1,019 < 10, Pembiayaan Murabahah sebesar 1,00 < 10, dan Tabungan Mudharabah sebesar 1,083 < 10. Variance Inflation Factors Date: 06/30/21 Time: 11:17 Sample: 1 72 Included observations: 71
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