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Islamic banks carry out their activities with the principles of sharia, in which there are dual functions of the contract, such as tabarru and tijarah. However, in recently the value of the tabarru 'contract as qardh financing is smaller when compared to others. Similarly, the value of ziswaf is too little each year. The results indicated that independent variables GBR, and ZWF have significant effect on ROA. Partially, the effect of GBR on ROA is positive significant value of 0.0073 <0.05 and positive coefficient value of 3.7998. Then the influence of ZWF on ROA is negative and insignificant a significant value of 0.0624> 0.05 and the coefficient value of -3.3634. Based on the above the determination coefficient of 16.84% while the remaining 83.16% was explained by other variables not included in regression model equation.

The Optimization Qardh Function Based On Grameen’s Bank And Ziswaf’s Productive And That The Influence Towards Indonesian Islamic Banks Profitablity