Baitul Mal wa Tamwil has existed since the time of the Prophet as a treasure house gained during war or shadaqah, infaq and zakat, distributed directly by the Prophet for his people. Baitul Mal Wa Tamwil is a nonbank institution or a cooperative that can reach finances in remote areas. To assist in the finances of medium to small businesses both in business financing, personal needs, leases, profit sharing, deposits and other. This research is to know the effect of mudharabah, musyarakah and murabahah financing on profitability of Baitul Mal wa Tamwil Muamalat during period 2015-2017. This test is done by using multiple linear regression with ECM method (Error Correction Model).
Based on the estimation results can be seen that murabahah financing has a negative and significant impact on BMT profitability in the long term and no effect in the short term. While mudharabah and musyarakah financing has no effect in long term and short term to BMT profitability.
Keywords: Profitability, mudharabah financing, musyarakah financing and murabahah financing
