PENGARUH PEMBIAYAAN MURABAHAH, PEMBIAYAAN MUDHARABAH, DAN NON PERFORMING FINANCING (NPF) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA TAHUN 2010-2014

Competition between Islamic banks are increasingly stringent, directly or indirectly, will affect the achievement of the profitability of Islamic banks. Return on Assets (ROA) was used to measure the profitability of banks, as Bank Indonesia as manager and supervisor at the bank prefers the value of profitability of a bank as measured by assets that fund the bulk of funding public deposits. The soundness of financing (NPF) influence the achievement of the bank's profit. The aim in this study was to determine whether there is the effect of financing Murabaha, Mudaraba, and Non Performing Financing (NPF) affect the profitability rate of Islamic Banks in Indonesia.This type of research that will be used is quantitative method. The population in this study are listed Commercial Bank in Bank Indonesia in 2010-2014. Data collection method used is secondary data is historical or time series. The data analysis technique used in this study is the classical assumption test, multiple regression analysis, and hypothesis testing. The results in this study indicate that the financing murabaha effect on ROA and ROA effect on the Mudharabah financing, as well as NPF effect on ROA in Islamic Banks in Indonesia. Keywords : Financing Murabahah , Mudharabah , Non Performing Financing, profitability ( ROA