Pengaruh Pembiayaan Jual Beli. Pembiayaan Bagi Hasil, Pembiayaan Sewa Dan Rasio Non Performing Financing Terhadap Profitabilitas Bank Syariah Di Indonesia

Abstract

This research aimed to demonstrate empirically the effect of the sale and purchase financing,the lease financing and the non-performing financing on the profitability of the Islamic banksregistered in Bank Indonesia. The independent variables in this researchwas the sale andpurchase financing, the sharing financing, the lease financing and the non-performingfinancing ratio (NPF). Moreover, the dependent variable was the profitability wich wasproxied by return on assets (ROA). Date collecting technique was the purposive sampling onthe Islamic Bank wich was registered in Bank Indonesia from the period 2016 to 2020. Thesample of this reseach was 7 banks. Data analysis technique was the multiple linear regressionusing IBM SPSS program the 20. The results of this research was that the financing of the saleand the purchase and sharing financing affected the profitability, while the lease financing andthe non-performing financing ratio did not affect the profitability.Keywords: TheSale And Purchase Financing, Sharing Financing, Lease Financing, NonPerforming Financing Ratio, Return On Assets