PENGARUH PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH TERHADAP TOTAL ASET PADA PT BANK PANIN SYARIAH TBK

Sari

This study aims to analyze the effect of mudharabah financing and musyarakah financing on total
assets at PT Bank Panin Syariah Tbk. The research method used in this study is quantitative research
and case study at PT Bank Panin Syariah Tbk. The type of data obtained from this study is secondary
data based on the results of quarterly financial statements of PT Bank Panin Syariah Tbk in 2015-
2016. Source of data was obtained from the publication of PT Bank Panin Syariah Tbk and that was
accessed from the official website https://www.paninbanksyariah.co.id/. The analysis tools used in this
study are normality test, multiple linear regression analysis, T test (partially), F test (simultaneously)
and coefficient of determination (R2). The results showed that mudharabah financing did not affect
the total assets of PT Bank Panin Syariah Tbk, while musyarakah financing affects total assets of PT
Bank Panin Syariah Tbk partially. Simultaneously, mudharabah financing did not have effect and
musyarakah financing gives effect to total assets. Musharakah financing is one of the most dominant
profit sharing financing affecting total assets.
Keywords: Mudharabah Financing, Musyarakah Financing, Total Assets.