Analisis Perbandingan Pembiayaan Murabahah Pada Bank Syariah Mandiri, Bank Muamalat Indonesia dan Bank BNI Syariah

Sofian, Muhammad (2020) Analisis Perbandingan Pembiayaan Murabahah Pada Bank Syariah Mandiri, Bank Muamalat Indonesia dan Bank BNI Syariah. Other thesis, Universitas Islam Riau.

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Abstract

This study aims to analyze the comparison of murabaha financing at the General Islamic Bank. Murabaha financing is measured by Third Party Funds (DPK), Non Performing Financing (NPF), Financing to Debt Ratio (FDR), Capital Adequacy Ratio (CAR), Return On Assets (ROA), Operating Expenses Operating Income (BOPO) and Net Interest Margin (NIM). The sampling technique used was purposive sampling, for 5 (five) years and using IBM SPSS 25 as a research analysis tool. The analysis technique used is the Independent Samples Test. The analysis shows that the Third Party Fund (DPK), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Return On Asset (ROA), Operational Income Operating Expenses (BOPO) and Net Interest Margin (NIM) in Banks Syariah Mandiri, Bank Muamalat Indonesia and Bank BNI Syariah there are differences. While the Financing to Deposit Ratio (FDR) variable at Bank Syariah Mandiri, Bank Muamalat Indonesia and Bank BNI Syariah there were no differences. The comparison results show that BNI Syariah Bank is better in managing financial ratios marked by a lower NPF value of 2.63% with an ROA level of 1.37%.

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