Tesis ini bertujuan untuk mengetahui mengenai faktor-faktor yang mempengaruhi pembiayaan mudharabah dan murabahah pada bank umum syariah di Indonesia selama periode kuartal keempat 2004 hingga kuartal pertama 2008. Metodologi yang digunakan adalah analisis data panel dengan menggunakan Pooled EGLS (period random effect).Dari penelitian ini didapat sejumlah kesimpulan yaitu pembiayaan murabahah pada bank umum syariah dipengaruhi secara signifikan oleh variabel Non Performing Financing (negatif), bonus SWBI (positif), dan tingkat suku bunga pinjaman (positif). Adapun pembiayaan mudharabah dipengaruhi secara signifikan oleh variabel pembiayaan murabahah (negatif) dan tingkat bagi hasil (positif). Sedangkan variabel NPF meskipun tidak signifikan mempengaruhi pembiayaan mudharabah namun mempunyai arah hubungan negatif.

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The objective of this thesis is to gain knowledge of factors affecting mudharaba and murabaha financing at shariah banking in Indonesia during the fourth quarter of year 2004 to the first quarter of year 2008. Panel data analysis using Pooled EGLS (Period Random Effect) is applied as the methodology.Findings derived from this study are: 1] murabaha financing in shariah banking is significantly affected by variables of Non Performing Financing (negative), SWBI bonus (positive), and rate of credit interest (positive); 2] As for mudharaba financing, it is affected significantly by murabaha financing (negative) and the rate of return (positive). While the NPF variable has a negative effect to the mudharaba financing with a low level of significance.