Pengaruh Pembiayaan Murabahah Terhadap Laba PT. Bank SUMUT Syariah KCP Stabat Periode Tahun 2020-2022

Abstract

This study aims to determine the effect of the distribution of murabahah financing on PT. Bank SUMUT Syariah KCP Stabat. The data source for this research was obtained from the financial statements of PT. Bank SUMUT Syariah KCP Statutory period 2020-2022. Processing and in this study using the computer program SPSS and Microsoft Office Excel. Data analysis in this study used descriptive statistics, classical assumption tests, hypothesis testing, and simple linear regression analysis. Based on this test it is explained that there is a significant influence between murabaha financing on PT. Bank SUMUT Syariah KCP Stabat for the 2020-2022 period, this is proven through a hypothesis test, namely the t test which shows a significance value of less than 0.05 or (0.000 <0.05) and tcount > ttable (4.228 > 2.03224) then there is no effect of variable X on variable Y. Murabaha financing distributed affects the profit earned by PT. Bank SUMUT Syariah KCP Stabat is 32.5% while the remaining 67.5% is influenced by other variables such as financing that receives fee-based income, service income, non-performing financing, the amount of bank capital, and so on. There is a positive or parallel relationship between murabahah financing and PT. Bank SUMUT Syariah KCP Stabat. The more murabahah financing that is channeled, the profit earned by PT. Bank SUMUT Syariah KCP Stabat will also increase, and vice versa if the murabahah financing distributed decreases, the profit earned by PT. Bank SUMUT Syariah KCP Stabat will also decrease.