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Abstract
Financing is the largest portion from the assets of Islamic banks because it is the main activity of banking system. Based on its use, financing is distributed through capital, investment, and consumption. The performance success of banking system is seen from its profitability. The objective of this research was to know the effects of financing of capital, investment, and consumption on the profitability of Islamic banks, proxied with ROA both in the long term and in the short term.This was a quantitative research with causal approach. This research population was all Islamic banks and Islamic enterprise units in Indonesia in January 2017 to November 2016. The data were analyzed using Error Correction Model (ECM). Based on the resulta of this research, the variable of capital financing in the long term has negative significant effect on the variable of ROA, while in the short term, this variable has no effect on the variable ROA. The variable of investment financing in the long term has positive significant on the variable of ROA, while in the short term, it does not have any effect on ROA. On the other hand, the consumption financing has no effect on ROA, neither in the long term nor in the short term. All variables simultaneously have significant effect on the profitability of Islamic banks in Indonesia in 2007-2016, both in the long term and in the short term
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References
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References
Ali, Khazer., Muhammad Farhan Akhtar, dkk., 2011, “Bank Spescific Macroeconomi Indicators of Profitability Empirical Evidence from the Commercial Banks of Fakistan”, International Juournal of Business and Socilal Science, Vol, 2 No. 6.
Arifin, Zainul., 2002, Dasar-dasar Manajemen Bank Syariah, Cet.3, Jakarta: Alvabet.
Fadholi, Amri Dziki., 2015, “Pengaruh Pembiayaan Murabahah, Musyarakah dan Mudharabah Terhadap Profitabilitas Bank Syariah (studi Empiris pada Bank Umum Syariah Di Indonesia Tahun 2011-2014), Naskah Publikasi, Universitas Muhammadiyah Surakarta.
Kuncoro, Mudrajad., 2009, Metode Riset untuk Bisnis dan Ekonomi, Jakarta: Erlangga.
Litriani, E. (2018). Pengaruh Pembiayaan Modal Kerja Terhadap Pendapatan Usaha Nasabah Pada Pt. Bank Syariah Mandiri Kantor Cabang Simpang Patal Palembang. I-Finance: A Research Journal on Islamic Finance, 3(2), 123. https://doi.org/10.19109/ifinance.v3i2.1448
Qodriasari, Indriani Laela., 2014, “Analisi Pengaruh Pendapatan Pembiayaan Mudarabah, musyarakah murabahah dan ijarah”, Naskah Publikasi,Twinning. Program Fakultas Ekonomi dan Bisnis dan Fakultas Agama Islam: Universitas Muhammadiyah Surakarta.
Rivai, Veitzal., Arifiandi Permada, Dkk., 2011, Islamic Transsaction Law in Business dari Teori ke Praktik, Jakarta: Pt. Bumi Aksara.
Rudiyanto., 2009, “Pengaruh Presepsi Nasabah Tentang Profitabilitas dan Likuiditas Terhadap Loyalitas Nasabah Penyimpan (Studi Kasus Bank Muamalat Cabang Yogyakarta)”, Tesis, Yogyakarta: Universitas Islam Negeri Sunan Kalijaga Yogyakarta.
Sugiono., 2016, Metode Penelitian Kuantitatif, kualitatif dan R&D, Bandung: Alfabeta.