The Effect of Murabahah, Mudharabah and Ijarah Earnings Upon the Profit of Bank BRI Syariah, Branch Office Sukabumi

Abstract

The purposes of this research are: 1) Analysing the development ofmurabahah, mudharabah and ijarah earnings at PT Bank BRI Syariah, Branch OfficeSukabumi; 2) Analysing the effect of murabahah, mudharabah and ijarah earningssimultaneously upon the profit of PT Bank BRI Syariah Branch Office Sukabumia: 3)Analysing the effect of murabahah, mudharabah and ijarah earnings partially uponthe profit of PT Bank BRI Syariah Branch Office Sukabumi. Research method hasapplied associative research method. Research data has applied financial data of PTBank BRI Syariah Branch Office Sukabumi for the periode of 2014 up to 2015 usingclassical assumption test, multiple regression, F test and T test. Result of theresearch has determined that overall murabahah, mudharabah and ijarah earningshave been increasing. In 2015 earnings increasing had reached 125 % more than theprevious year and the most contribution is given by murabahah earnings. Variable ofmurabahah earnings, mudharabah earnings and ijarah earnings simultaneously havebeen affecting positively and significantly the Profit. And partially murabahah andijarah earnings have positively and significantly affected the profit, nevertheless,variable of mudharabah earnings has not affected significantly the profit