Pengaruh Pembiayaan Mudharabah Dan Pembiayaan Musyarakah Terhadap Return On Asset (ROA) Pada Bank Muamalat Indonesia Periode 2016-2023

  • Syarofatul Ilmiyah Institut Agama Islam Nahdlatul Ulama Tuban
  • Diana Nur Indah Purnamasari Institut Agama Islam Nahdlatul Ulama Tuban
Keywords: Mudharabah Financing, Musyarakah Financing, Return On Asset

Abstract

This research aims to analyze the impact of mudharabah and musyarakah financing on Return On Asset (ROA) at Bank Muamalat Indonesia during the 2016-2023 period. Employing a quantitative approach with secondary data and an associative research method, the study utilizes purposive sampling techniques and data analysis through classical assumption tests, multiple linear regression, and hypothesis testing with the aid of SPSS version 24. The research findings indicate that mudharabah and musyarakah financing, individually, do not significantly influence ROA, with significance levels of 0.712 and 0.067, respectively, and t-statistic values lower than the t-table. However, simultaneously, mudharabah and musyarakah financing have a significant impact on ROA, as evidenced by the significant F value (0.008 < 0.05) and an F-statistic exceeding the F-table (8.203 > 3.328).

Published
2025-01-09
How to Cite
Ilmiyah, S., & Purnamasari, D. N. I. (2025). Pengaruh Pembiayaan Mudharabah Dan Pembiayaan Musyarakah Terhadap Return On Asset (ROA) Pada Bank Muamalat Indonesia Periode 2016-2023. Journal Islamic Banking, 4(2), 85-99. Retrieved from https://ejournal.iainutuban.ac.id/index.php/JIB/article/view/1030
Issue
Vol 4 No 2 (2024): DESEMBER
Section
Articles