Pengaruh Pembiayaan Mudharabah, Murabahah, Ijarah dan Non Performing Financing Terhadap Profitabilitas (Studi Pada Bank Umum Syariah di Indonesia Periode 2014-2016)

The research was held to test the influence of Mudharabah Financing, Murabahah Financing, Ijarah Financing, and Non Performing Financing (NPF) to profitability calculated by Return On Asset (ROA) in Islamic Banks in Indonesia during 2014-2016 periods. This research uses time series data from The Islamic Banks Quarterly Published Financial Reports during 2014-2016 periods. The population used in this research are 11 Islamic Banks in Indonesia. Sampling technique used is purposive sampling with criteria as Islamic Banking in Indonesia who provide financial report during 2014-2016 periods. The analysis technique used in this research is multiple regression analysis to obtain a comprehensive picture of the relationship between variables. While, the classical assumption test used this research include multicollinearity test, autocorrelation test, heteroscedasticity test, and normality test. The result of this research show that Non Performing Financing (NPF) not significant effect on profitability (ROA). Mudharabah Financing, Murabahah Financing have a positive and significant influence on profitability (ROA), and Ijarah Financning have a negative and significant influence on profitability (ROA). Predictive ability of the five independent variables on the profitability (ROA) amounted to 44,4%, while the rest in influenced by odher factor outside of the research model. Keywords : Financing to Deposit Ratio (FDR), Trade Financing, Profit Loss Sharing Financing, Lease Financing , Non Performing Financing (NPF), Return On Asset (ROA)