Abstract
Purpose- This study aims to re-examine the influence of murabahah, mudharabah, musyarakah, and financing and non-performing financing ratios on the profitability of BPRS Central Java. 
 Methods- Secondary data were obtained from the results of the publication of the financial statements of each Islamic people's credit bank (BPRS) from 2013 to 2018. Data were analyzed by multiple linear regression. 
 Finding- The mudharabah financing has a significant negative effect and non-performing financing (NPF) has a positive and significant effect on profitability (ROA). While Murabaha and musyarakah financing are not proven to affect ROA.
Highlights
This study aims to re-examine the influence of murabahah, mudharabah, musyarakah, and financing and non-performing financing ratios on the profitability of bank pengkreditan rakyat syariah (BPRS) Central Java
Purpose- This study aims to re-examine the influence of murabahah, mudharabah, musyarakah, and financing and non-performing financing ratios on the profitability of BPRS Central Java
About Authors Nurul Khotimah, Rinda Asytuti adalah mahasiswa dan dosen di Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Negeri (IAIN) Pekalongan
Summary
Profitabilitas bank merupakan suatu kemampuan bank dalam menghasilkan laba. Kemampuan ini dilakukan dalam suatu periode. Mudharabah, musyarakah dan rasio non performing financing dengan profitabilitas pada perbankan syariah telah dibuktikan oleh berbagai penelitian. Berdasarkan dasar ini, maka hipotesis yang diajukan adalah: H1 :Pembiayaan murabahah berpengaruh positif dan signifikan terhadap profitabilitas pada BPRS Jawa Tengah periode 2013-2018. Teknik analisis data Analisis regresi linear berganda digunakan untuk mengukur pengaruh variabel independen terhadap variabel dependen, yaitu untuk mengetahui pengaruh variabel independen berupa pembiayaan murabahah, pembiayaan mudharabah, pembiayaan musyarakah dan non performing financing (NPF) terhadap variabel dependen yaitu profitabilitas (ROA) dalam suatu persamaan linear. Hal ini mengindikasikan bahwa kontribusi variabel independen yaitu Pembiayaan Murabahah (X1), Pembiayaan Mudharabah (X2), Pembiayaan Musyarakah (X3) dan Non Performing Financing (NPF (X4)) mampu menjelaskan variabel dependen yaitu Profitabilitas (ROA) sebesar 30,9% sedangkan sisanya sebesar 69,1% dijelaskan oleh variabel lain diluar penelitian. Selain Pembiayaan Murabahah, Pembiayaan Mudharabah, Pembiayaan Musyarakah dan Non Performing Financing (NPF) ada faktor-faktor lain yang mempengaruhi ROA
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