Pengaruh Pembiayaan Bagi Hasil Dan Murabahah Terhadap Return on Asset (Roa) Pada Bank Umum Syariah

This study aims to determine the effect of the amount of profit-sharing financing and murabahah financing on the performance of Return on Assets (ROA) at Islamic Commercial Banks during the 2015-2020 period. This study uses an Error Correction Model (ECM) analysis with Eviews 8 software. The samples used in this study are 13 Islamic Commercial Banks that have been registered with the Indonesian Financial Services Authority (OJK). The sampling technique uses a purposive sampling method with the criteria of Islamic commercial banks that have published financial statements. The data used in this study is secondary data with documentary data collection techniques and a literature study. The results indicate that the R square value of 0.0362370 indicates that 36% of changes in the ROA variable can be explained by independent variables and 64% are explained by other factors outside the mode