This study discusses the Effect of Musyarakah, Mudharabah, and Murabahah Financing on Return On Assets (ROA) During the Covid-19 Pandemic. The purpose of this study was to analyze the effect of Musyarakah, Mudharabah, and Murabahah Financing on Return On Assets (ROA) during the COVID-19 pandemic at Islamic Commercial Banks (period 2019 – 2021). This research uses quantitative research methods, namely analytical methods based on calculations made by researchers. This research data is secondary data obtained from Monthly Financial Report data at Islamic Commercial Banks for the 2019-2021 period. The method used in this study is the classical assumption test, multiple linear regression analysis, and hypothesis testing assisted by the SPSS (Statistical Package For Social Science) version 26 computer program. The results of this study indicate that (1) Musyarakah financing variables partially have no positive effect. to returns on assets (ROA). (2) Mudharabah financing variable partially has a positive effect on return on assets (ROA). (3) Murabahah financing variable partially does not have a positive effect on returns on assets (ROA). (4) Musyarakah, Mudharabah, and Murabahah Financing variables simultaneously or jointly have an effect on Return On Assets (ROA) during the covid-19 pandemic.

This study aims to analyze the effect of motivation and work discipline on employee performance at KUD Sejahtera Babat Toman. Samples were selected using the saturated sample technique. Data for 40 respondents was collected through a questionnaire. This research implements multiple linear regression method to analyze the data. The data collection technique in this study used a questionnaire technique. The data analysis technique in this study uses the Classical Assumption Test, Multiple Regression, Hypothesis Testing (t-test and F-test), and the coefficient of determination. The data processing in this study used the SPSS (Statistical Package for the Social Science) software program version 23.00. The results of the investigation show that partially motivation has a significant and positive effect on the performance of KUD Sejahtera Babat Toman employees with a t count > t table or (3.372 > 2.028). or (0.806 < 2.028). However, simultaneously motivation and work discipline have a significant effect on employee performance with the value of F arithmetic > F table or (11.371> 3.25). This fact is useful for KUD Sejahtera Babat Toman to improve employee performance, so the company must consider motivation and work discipline factors together.