PENGARUH PEMBIAYAAN DAN EFISIENSI TERHADAP PROFITABILITAS BANK UMUM SYARIAH

Abstract

The purpose of this study is to analyze the effect of financing and the efficiency of the Islamic Bank toward profitability. This study use sample six Banks include; Bank Muamalat, Bank Syariah Mandiri, Bank Mega Syariah Bank BRI Syariah, Bank BNI Syariah Bank Syariah Bukopin. The data used in this study were obtained from the Quarterly Financial Report for the 20010-2013 Islamic Banks. The technique analysis used in this study is the data panel regression. By using the model of Random Effect, this study found that there is  significant and positive influence on the profitability of murabahah financing. Profit sharing financing and operational efficiency have negative and significant effect on profitability. And non performing financing does not have significant influence on profitability.

Key Words: profitability, murabahah financing, profit sharing financing, net performing financing, operational efficiency.