PENGARUH PEMBIAYAAN JUAL BELI, PEMBIAYAAN BAGI HASIL, DAN RASIO NON PERFORMING FINANCING TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

Islamic bank that serves as a financial intermediary, carry out operations with collecting funds from the public and then channel them back to the community through financing. This study aimed to analyze whether the financing Murabaha, Mudaraba financing, financing of non-performing financing ratio Musyarakah¸dan affect the profitability of Commercial Bank Indonesia using the Return On Asset ratio. The method in this research use descriptive research with quantitative approach. Using a sample of 35 of data covering seven Islamic Banks during the five-year period. This sample was taken by using purposive sampling technique. As well as using a multiple linear regression analysis. The results showed that the financing Murabaha, Mudaraba financing, Musharaka financing, and the ratio of Non Performing Financing a significant effect on the profitability Return on Assets. Where is the empirical evidence according to Fuad Rahmat Aulia (2012) Murabaha financing is financing that is most in demand by the public. Mudharabah financing as well as the financing for the results of the most dominant influence the rate of return on Asset. Keyword: Financing Murabaha, Mudaraba, Musharaka financing, Return on Assets