This study aims to determine the analysis of credit risk from profit-based financing, namely mudharabah and musyarakah to the level of profitability in Islamic foreign exchange commercial banks, and examine the effect of the amount of mudharabah and musyarakah financing both partially and simultaneous. This research is an explanatory survey which is used to explain the causal relationship between two variables, namely the risk level of mudharabah and musyarakah financing through hypothesis testing using secondary data while the research method uses descriptive analysis methods and verification methods. [11]Based on the results of the research, the risk level of Mudharabah and Musyarakah financing at Foreign Exchange Sharia Commercial Banks has thelevel of credit risk highest, which is obtained by Panin Syariah Bank which is classified as unhealthy. The level of Profitability at the Foreign Exchange Islamic Commercial Bank has the highest level of profitability in the Mega Syariah Bank which is included in the very healthy category. While for the lowest profitability level that is at Bank Panin Syariah which is included in the unhealthy category. [12]The effect of the risk level of mudharabah and musyarakah financing on the profitability level of a foreign exchange Islamic bank has the value of R Square is 0.451, which means that at the Foreign Exchange Islamic Commercial Bank 45.1%. For simultaneous results the results show that there is a significant effect between credit risk and the level of profitability, while the results are partially obtained by the same results each variable affects the level of profitability. [13].
Volume 11 | 06-Special Issue
Pages: 1088-1095