Influence Financing Mudharabah and Financing Murabahah To BTN Bank Profit Sharia Period December 2019 – December 2024

This study aims to thoroughly investigate and analyze the influence of Mudharabah financing and Murabahah financing on the profitability of Bank BTN Syariah during the period from December 2019 to December 2024. Adopting a rigorous quantitative research approach with an associative causal design, this research regularly examines monthly financial reports obtained from Bank BTN Syariah. The primary analytical tool employed is regression analysis, which facilitates the robust exploration of relationships between the variables. The empirical findings derived from this study indicate that Mudharabah financing does not exert a statistically significant influence on the bank's profit. Conversely, Murabahah financing demonstrably shows a significant positive influence on the bank's profit, suggesting its effectiveness as a major contributor to profitability. These results collectively underscore the importance of strategic financial product management within Islamic banking institutions. This study proposes that while Murabahah financing effectively contributes to profitability, there is a critical need for enhanced evaluation, more stringent monitoring, and potential restructuring of Mudharabah financing to maximize its overall effectiveness and optimize its contribution to the bank's comprehensive financial performance. The study significantly contributes to the existing body of literature by offering updated empirical insights and a deeper understanding into the complex dynamics of Islamic banking profitability, particularly within the Indonesian context during a period of economic flux.