PENGARUH PEMBIAYAAN MURABAHAH, MUDHARABAH dan MUSYARAKAH TERHADAP PROFITABILITAS (ROA) PADA BANK UMUM SYARIAH DI INDONESIA 2016-2020

This study aims to determine the effect of murabaha financing, mudharabah financing and musyarakah financing on the level of profitability (ROA) of Islamic Commercial Banks in Indonesia in 2016-2020. This study uses a quantitative approach with secondary data in the form of 2016-2020 quarterly financial report data obtained from the website of the Financial Services Authority (OJK). The object of this research is Islamic Commercial Banks in Indonesia for the period 2016-2020. The sample selection in this study used a purposive sampling technique. The results of this study indicate that murabahah financing, mudharabah financing and musyarakah financing simultaneously affect profitability. Partially, murabahah and mudharabah financing have a positive significant effect on profitability, while musyarakah financing has a negative insignificant effect on profitability (ROA)Keywords : Murabahah; Mudaraba; Musyarakah; profitability; Return On Assets (ROA