Analysis of Mudharabah, Musyarakah and Ijarah Partially to Return on Assets (ROA) in Islamic Banks

  • Prosiding Internasional
  • Tetep Tetep, Hermansyah Hermansyah, Dodi Supriyanto, Nizar Alam Hamdani
  • Advances in Economics, Business and Management Research, volume 657 6th Global Conference on Business, Management, and Entrepreneurship (GCBME 2021),


The purpose of this study is to analyze the effect of partial mudharabah, musharaka, and ijarah on Return on Assets (ROA) in Islamic banks. This study used the explanatory research meth research method which means that the research seeks to explain and highlight the relationship between the variables contained in the study and explain the effect of the independent variables on the dependent variable, in addition to testing the proposed hypothesis. Based on the partial test, the results show that mudharabah has a positive and insignificant effect on Return on Assets (ROA), while musharakah shows a significant negative relationship. Also, ijarah has no relationship and is not significant. Based on simultaneous testing, the results obtained that mudharabah, musyarakah, and ijarah together have a positive relationship and have a significant effect on Return on Assets (ROA).

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