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All Journal Etihad: Journal of Islamic Banking and Finance INTERNATIONAL JOURNAL OF LANGUAGE PEDAGOGY
Febriana, Indri
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Journal : Etihad: Journal of Islamic Banking and Finance

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Evaluating the Effect of Mudharabah and Murabahah Financing on Return on Assets Mediated by Non-Performing Financing at BMT Hasanah Ponorogo Febriana, Indri; Ulya, Husna Ni’matul
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.9458

Abstract

Introduction: This study explores how mudharabah and murabahah financing affect Return on Asset (ROA) and the role of Non-Performing Financing (NPF) as an intervening variable at BMT Hasanah Ponorogo. Research Methods: This study employs regression analysis with NPF as an intervening variable. The data analyzed are the quarterly financial reports of BMT Hasanah Ponorogo from 2019 to 2023, focusing on the relationships between mudharabah financing, murabahah financing, ROA, and NPF. Results: The analysis reveals that mudharabah and murabahah financing significantly impact ROA directly and through NPF as an intervening variable. An increase in financing can enhance ROA, with NPF mediating the relationship between financing and ROA. Conclusion: This study finds that mudharabah and murabahah financing affect ROA, with NPF as an intervening variable. Effective risk management in financing is crucial for improving ROA at BMT Hasanah Ponorogo.
Co-Authors Maisarah, Ira Ulya, Husna Ni’matul