Determinants of Profitability in Islamic Commercial Banks with Islamic Financing Aspects

Financing is one of the business products of Islamic banks that is capable of generatingprofitability. Through financing efforts to improve the quality of productive assets can be realized.This study aims to examine the determinants of profitability in Islamic Commercial Banks influenced by financing aspects, namely Musyarakah, Murabahah, Ijarah and Qardh.Quantitative research using secondary data, namely financial report data from Islamic General Banks for the 36-month period 2020-2023 obtained from Islamic banking statistics via the website Financial Services Authority. Data analysis using multiple linear regression. The results of the study found that Musyarakah has a positive and insignificant effect on profitability, while Murabahah and Qardh have a positive and significant effect on profitability. While Ijarah has a negative and significant effect on profitability.