The Effect of Return on Asset and Return on Equity on Murabahah Financing at PT. Bank Muamalat Indonesia Tbk 2013-2022 Period of Form Global Economic Uncertainty

Abstract

This study aims to determine the effect of Return on Assets and Return on Equity on murabahah financing at PT. Bank Muamalat Indonesia Tbk for the period 2013-2022. The research method used is a quantitative, descriptive approach with secondary data analysis. Data analysis includes descriptive statistical analysis, classical assumption testing, and hypothesis testing. The results show that the multiple linear regression equation is Y = 6.475 + 52.736X₁ - 1,991X₂, indicating that Return on Assets has a positive influence on murabahah financing, while Return on Equity has a negative influence. The findings suggest that Return on Assets. and Return on Equity simultaneously do not have a significant effect on murabahah financing because the significance value is greater than 0.05. The regression model is able to explain 41.1% of the variation in murabahah financing, while the remaining 58.9% is explained by other factors not examined.