THE EFFECT OF CONSUMER FINANCING AND PROBLEM FINANCING (NPF) ON THE LEVEL OF PROFITABILITY AT BANK MUAMALAT INDONESIA

Abstract

This research aims For Test And Know Whether Financing Consumptive ( Murabahah ) and Financing Problematic ( NPF ) has an impact to Profitability at Bank Muamalat Indonesia. Sample used in study This is report quarterly Bank Muamalat Indonesia registered with the OJK during 2018-2022 period. Data analysis techniques using analysis descriptive , assumption test classical , multiple linear regression , coefficient test determination , f test and t test. The methods used that is through approach quantitative with data analysis using SPSS 25 software, research results show that financing murabahah influential to profitability . Meanwhile financing problematic influential negative significant to profitability . This research can become reference for the bank in increase financing murabahah and financing problematic can increase with okay . Then can become reference for the bank to be more selective If there is suspension payment on financing murabahah