PENGARUH PEMBIAYAAN TERHADAP PROFITABILITAS BANK SYARIAH MANDIRI PERIODE 2012-2019

A bstract
The purpose of this study is to determine whether there is a significant influence of Financing on the profitability at Syariah Mandiri Bank for the 2012-2019 Period. The analytical tool in this study uses Multiple Linear Regression analysis. The type of data used is secondary data in the form of quantitative data
obtained from the official website of Syariah Mandiri Bank in the first quarter of 2012 -the third quarter of 2019. The results of the study indicate that there is a partially positive and significant influence on mudharabah financing on Return On Assets (ROA), then there is the negative and significant influence of
murabahah financing on Return On Assets (ROA), while musyarakah, istishna, and ijarah financing has no significant influence on Return On Assets (ROA).
Simultaneously there are positive and significant influences on mudharabah, musyarakah, murabahah, istishna, and ijarah financing on Return On Assets
(ROA). The results of the analysis of the Adjusted R Square determination coefficient show that 0.273 or 27.3% of the contribution of mudharabah, musyarakah, murabahah, istishna, and ijarah financing influence ROA, while the remaining 72.7% is influenced by other variables not included in this study.
Keywords: Mudharabah Financing, Musyarakah Financing, Murabahah Financing, Istishna Financing, Ijarah Financing and Return On Asset.