Pengaruh Pembiayaan Murabahah, Musyarakah, Mudharabah dan Ijarah Terhadap Profitabilitas (ROA) pada Bank Umum Syariah di Indonesia Periode 2016-2019

The purpose of this study is to determine and analyze murabahah, musharakah, mudharabah, and ijarah financing practically have whether influence on Islamic commercial bank in Indonesia and selected according to the criteria taken, with a purposive sampling technique. This research uses secondary data that were taken from respective bank’s financial statements. Data taken from the first quarter of 2016 until the second quarter of 2019 with samples consisiting of BRI Syariah Bank, BNI Syariah Bank, Mandiri Shariah Bank, Muamalat Indonesia Bank, BCA Syariah Bank, asnd Victoria Shariah Bank. The data analysis technique used is multiple linear regression analysis using panel data. The result showed that partially murabahah, musyarakah, and ijarah financing had a negative effect on profitability. However, mudharabah financing does not affect profitability