Analisis Pembiayaan Musyarakah Di Bank Syariah

Fachrizal Lubis, Safira Mandasari Sri Rezeki Sinuhaji, Melisa Melisa

Abstract


Adanya perkembangan pola pikir masyarakat untuk berbisnis, menimbulkan pihak bank bersaing dalam menawarkan kerjasama  dalam  usaha  berbisnis. Kerjasama dalam bentuk pembiayaan musyarakahini  pasti  memberikan keuntungan bagi pihak bank dan nasabah. Pendapatan dari pembiayaan investasi dan modal kerja ini akan digunakan untuk pengembalian modal bank.Tujuan dari penelitian  ini  adalah  untuk  menganalisis data empiristentang pengaruh musyarakah, murabahah dan ijarah terhadap profitabilitas(ROE).Penelitian ini menggunakan hubungan kausal penelitian kuantitatif. Sampel penelitian diambil dari laporan keuangan Bank BNI Syariah per bulan  pada  2012-2014.  Teknik pengumpulan data  yang digunakan adalah studi pustaka    dan dokumentasi. Data sekunder  diambil  dari  data  laporan keuangan Bank BNI Syariah yang dapat diakses melalui situs resmi Bank Indonesia, www.bi.go.id.     Metode     statistikyangAbstrak: The development of the mindset of the community to do business, causing the bank to compete in offering cooperation in business ventures. Cooperation in the form of musyarakahini financing will definitely benefit the banks and customers. The income from investment financing and working capital will be used for bank capital  return.  The  purpose  of  this study is to analyze empirical data about the influence of musharaka, murabahah and ijarah on profitability (ROE). This study uses a causal relationship of quantitative research. The research sample   was   taken   from   the   BNI Syariah Bank's financial statements per month in 2012-2014. Data collection techniques used are literature study and documentation.  Secondary  data  is taken    from    BNI    Syariah    Bank'spenelitian ini adalah tes multiple regresi. Hasil statistik menunjukkan bahwa musyarakah, murabahah dan ijarah berpengaruh signifikan terhadap profitabilitas (ROE) secara bersamaan.

 


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References


Arifin, Zainul. 2009. Dasar-dasar Manajemen Syariah. Jakarta: Alvabet. Ascarya. 2007. Akad dan Produk Bank Syariah. Jakarta: RajaGrafindoPersada.

Harahap, Sofyan Safri, Wiroso dan Muhammad Yusuf. 2010. AkuntansiPerbankan

Syariah. Jakarta: LPFE Usakti.

Muhamad. 2014. Manajemen Dana Bank Syariah. Jakarta: RajaGrafindoPersada. Permata, Russely




DOI: https://doi.org/10.56114/maslahah.v1i1.45

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