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Jumlah Pembiayaan Murabahah dengan Tenor Pembiayaan Terhadap Profitabilitas Bank BNI Syariah

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  • Khori Muharani

Abstract

ABSTRACT This study aims to measure the impact of the effect of the amount of murabahah financing based on short and long-term financing tenors on profitability (ROA) at BNI Syariah KC Jambi City. Determine the amount of murabahah financing with a financing tenor based on the financing products offered by Islamic banks. The analysis method used is multiple linear regression, by performing the classical assumption test, T test, F test and R2 test. The analysis results show that partially the amount of murabahah financing with a financing tenor of 1-2 has a positive effect on profitability (ROA) with sig 0.019 <0.05. The variable of the amount of murabahah financing with a financing tenor of 3-5 years, and the amount of murabahah financing with a financing tenor of more than 5 years-20 years did not have a significant effect on profitability (ROA) with sig degrees 0.636> 0.05 and 0.146> 0.05. Simultaneous test (F test) of all independent variables has a significant effect on profitability (ROA) with a significance value of 0.007 <0.05. The coefficient of determination R Square is 52.2%, the effect between variables on ROA while the remaining 47.8% is influenced by other factors outside the research model. Keywords: Total Murabahah Financing; Tenor Financing; Profitability (ROA).

Suggested Citation

  • Khori Muharani, 2020. "Jumlah Pembiayaan Murabahah dengan Tenor Pembiayaan Terhadap Profitabilitas Bank BNI Syariah," Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam, Universitas Muhammadiyah Prof. DR. HAMKA, vol. 4(2), pages 126-140.
    • Handle: RePEc:apn:alurbn:v:4:y:2020:i:2:p:126-140:id:5583
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