The Effect of Mitraguna Berkah Financing Products and People's Business Credit on Bank Income

Abstract

This study is to determine how much influence Mitraguna blessing financing and KUR financing have on bank income as seen from Return on assets (ROA) at Bank Syariah Indonesia KCP Medan Gatot Subroto by using non-performing financing as an intervening variable. This type of research uses a quantitative approach. And by using causality research where causality research examines the causal relationship between variables. This study uses secondary data taken from the financial statements of the company Bank Syariah Indonesia KCP Medan Gatot Subroto which is located on Jln Gatot Subroto No 111 -113. The data used were 17 time series data in monthly form in the 2021-2022 time span processed using SPSS version 20 software. The results showed that financing mitraguna blessing had a significant positive effect on ROA, KUR financing had no positive effect on ROA, KUR financing had no significant
effect on ROA, financing mitraguna blessing had no significant effect on NPF, KUR financing had no significant effect on NPF, It can be seen from the existence of a significant influence between NPF on ROA, but the direct effect of financing mitraguna blessing on ROA and financing mitraguna blessing on NPF is not significant, there is a significant influence between NPF on ROA, but the direct effect of KUR financing on ROA and KUR financing on NPF is not significant.