Pengaruh Pembiayaan Qardh, Ijarah dan Istishna Terhadap Profitabilitas Pada Bank Pembiayaan Rakyat Syariah (BPRS) Di Indonesia

Andriani, Ayu (2020) Pengaruh Pembiayaan Qardh, Ijarah dan Istishna Terhadap Profitabilitas Pada Bank Pembiayaan Rakyat Syariah (BPRS) Di Indonesia. Other thesis, Universitas Islam Riau.

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Abstract

This study aims to analyze and describe the effect of qardh, ijarah and istishna financing on the profitability of the sharia people Financing Bank (BPRS) in Indonesia. The scope of the research focus is qardh financing, ijarah financing and istishna financing on the profitability of the Sharia People Financing Bank (BPRS) in Indonesia, where data is obtained from company reports on the site of Bank Indonesia and the Financial Services Authority. In this study qardh, ijarah and ishtishna financing are used as independent variables, while BPRS profitability is used as an dependent variable. Data will be processed using panel data regression analysis using the e-views application. The results of the study show that Simultaneously, the three financing variables of BPRS qardh, ijarah and istishna affect the profitability of the Bank of Sharia people financing in Indonesia. And partially from the results of data analysis in the period 2015 to 2019 states that the qardh financing variable has a significant and positive effect on sharia people's financing banks in Indonesia when measured using Return on Equity (ROE). These results indicate that every one percent increase affects the profitability of sharia people's financing banks.

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