Pengaruh Akad Murabahah terhadap Tingkat Profitabilitas di Bank BJB Syariah KCP Ciawi Tahun 2013-2015

Abstract

This research aims to find out the profitability and effect of murabahah financing on profitability levels at Bjb Syariah Bank KCP Ciawi in 2013-2015. This research uses quantitative methods, this data collection technique with field studies through direct observation to research sites, interviews, documentation, and related books or journals. Data analysis techniques with instrument tests using various financial ratios. The results of the study can be concluded that murabahah financing at Bank BJB Syariah KCP Ciawi in 2015 was 34.62 %. This was much larger than 19.86 % in 2014 and 18.67 %in 2013.  This means that murabahah financing enthusiasts at Bank BJB Syariah Ciawi Branch Office have seen a very large increase compared to before. Profitability at Bank BJB Sya riah Ciawi is experiencing fluctuating conditions influenced by murabahah financing. The financing of murabahah agreement has a very large influence on the profitabi litas in Bank BJB Syariah Ciawi because when the amount of financing of murabahah agreement is large then the amount of profitability obtained by Bank BJB Sya riah Ciawi is large, and vice versa.