Electronic Theses and Dissertation

Abstrak penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan bagi hasil, pembiayaan jual beli, dan non performing finance terhadap profitabilitas bank umum syariah di indonesia periode 2013-2022. jenis penelitian yanag digunakan adalah pendekatan kuantitatif. populasi dalam penelitian ini adalah seluruh bank umum syariah (bus) yang terdaftar di otoritas jasa keuangan (ojk) pada tahun 2013-2022. jumlah populasi adalah 13 dengan teknik pengambilan sampel menggunakan purposive sampling sehingga didapatkan total sampel sebanyak 9 bank umum syariah dalam penelitian ini. jenis data yang digunakan adalah data sekunder dengan teknik analisis data menggunakan analisis regresi linear berganda. hasil analisis menunjukkan bahwa secara bersama-sama pembiayaan bagi hasil, pembiayaan jual beli, dan non performing finance memiliki pengaruh terhadap profitabilitas. hasil penelitian menunjukkan bahwa pembiayaan bagi hasil, pembiayaan jual beli berpengaruh positif signifikan terhadap profitabilitas, sedangkan non performing finance berpengaruh negatif signifikan terhadap profitabilitas bank umum syariah di indonesia. kata kunci : pembiayaan bagi hasil, pembiayaan jual beli, non performing finance, profitabilitas

ABSTRACT This study aims to determine the effect of profit sharing financing, sale and purchase financing, and non performing finance on the profitability of Sharia Commercial Banks in Indonesia for the 2013-2022 period. The type of research used is a quantitative approach. The population in this study are Sharia Commercial Banks (BUS) listed on the Financial Services Authority (OJK) in 2013-2022. The total population was 13 with the sampling technique using purposive sampling so that a total sample of 9 Sharia commercial banks was obtained in this study. The type of data used is secondary data with data analysis techniques using multiple linear regression analysis. The results showed that together profit sharing financing, sale and purchase financing, and non performing finance have an effect on profitability. The results of the study show that profit sharing financing, sale and purchase financing have a significant positive effect on profitability, while non performing finance has a significant negative effect on the profitability of Sharia Commercial Banks in Indonesia. Keywords : Profit Sharing Financing, Sale and Purchase Financing, Non Performing Finance, Profitability