Pengaruh pendapatan bagi hasil pembiayaan Mudharabah dan Musyarakah terhadap laba bersih PT. Bank Mega Syari'ah

Perbankan syariah mulai diakui eksistensinya oleh bangsa Indonesia karena dipicu oleh keraguan umat Islam yang diwakili oleh organisasi-organisasi masa Muslim terhadap kehalalan bunga uang. Mudharabah dan musyarakah yang ditawarkan bank syariah sangat cocok karena dengan sistem bagi hasil serta adanya ketentuan-ketentuan yang diberikan oleh bank syariah diharapkan untuk memenuhi kepuasan dan transparansi. Dalam penelitian ini, peneliti lebih fokus kepada pola pembiayaan mudharabah dan musyarakah pada PT. Bank Mega Syariah. Mudharabah atau penanaman modal adalah penyerahan modal uang kepada orang yang berniaga sehingga ia mendapatkan persentase keuntungan, sedangkan musyarakah merupakan akad bagi hasil ketika dua atau lebih pengusaha pemilik dana/modal bekerja sama sebagai mitra usaha. Laba bersih diperoleh, salah satunya dipengaruhi oleh pendapatan bagi hasil pembiayaan mudharabah dan pendapatan bagi hasil pembiayaan musyarakah. Apabila pendapatan bagi hasil pembiayaan mudharabah dan musyarakah naik, maka laba bersih pun akan ikut naik, begitupun sebaliknya. Akan tetapi, berbanding terbalik dalam kenyataannya pada PT. Bank Mega Syariah periode 2014-2016 ada beberapa triwulan yang menunjukkan ketika pendapatan bagi hasil pembiayaan mudharabah naik tetapi laba bersih menurun dan ketika pendapatan bagi hasil pembiayaan musyarakah turun tetapi laba bersih naik dan begitupun sebaliknya. Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh pendapatan bagi hasil pembiayaan mudharabah terhadap laba bersih pada PT. Bank Mega Syariah, untuk mengetahui seberapa besar pengaruh pendapatan bagi hasil pembiayaan musyarakah terhadap laba bersih pada PT. Bank Mega Syariah, dan untuk mengetahui seberapa besar pengaruh pendapatan bagi hasil pembiayaan mudharabah dan musyarakah terhadap laba bersih pada PT. Bank Mega Syariah. Penelitian ini menggunakan metode analisis deskriptif verifikatif dengan pendekatan kuantitatif yang dianalisis secara parsial dan simultan yaitu dengan menggunakan analisis regresi (sederhana, berganda), analisis korelasi, koefisien determinasi (Kd), pengujian signifikansi koefisien korelasi (uji t dan uji F) yang didukung dengan menggunakan SPSS for Windows Versi 23.0. Berdasarkan hasil penelitian ini menunjukkan bahwa uji statistik pendapatan bagi hasil pembiayaan mudharabah terhadap laba bersih menunjukan hasil koefisien determinasi sebesar 59,1%, uji statistik pendapatan bagi hasil pembiayaan musyarakah terhadap laba bersih menunjukkan hasil koefisien determinasi sebesar 68,5%, uji statistik antara pendapatan bagi hasil pembiayaan mudharabah dan musyarakah terhadap laba bersih menunjukkan hasil koefisien determinasi sebesar 81,7% sisanya 18,3% dipengaruhi oleh faktor lain yang tidak dibahas dan diteliti dalam penelitian ini. Pengujian hipotesis menunjukkan hasil nilai F_hitung>F_tabel (20,067 > 4,26) maka H_0 ditolak dan H_a diterima maka secara simultan pendapatan bagi hasil pembiayaan mudharabah dan pendapatan bagi hasil pembiayaan musyarakah berpengaruh signifikan secara simultan terhadap laba bersih

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