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All Journal Adl Islamic Economic
Nia Andria Erzah
Fakultas Ekonomi dan Bisnis Islam Universitas Al-Qur’an Ittifaqiah Indralaya
Humanities Economics, Econometrics & Finance Education Social Sciences Other

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BAURAN PRODUK PEMBIAYAAN SYARIAH DAN KETAHANAN KEUANGAN MIKRO: BAURAN PRODUK PEMBIAYAAN SYARIAH DAN KETAHANAN KEUANGAN MIKRO ratna ratna; Nia Andria Erzah; Meirina Alkhoiriah Eka Putri; Hairun Nisa; Muhammad Yusup
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 7 No 1 (2026): Adl Islamic Economic
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v7i1.159

Abstract

Islamic microfinance institutions must expand outreach while preserving liquidity, solvency and Sharia integrity. This article examines whether murabahah, mudharabah and musyarakah portfolio composition is associated with the financial resilience of Indonesian Lembaga Keuangan Mikro Syariah (LKMS). Using a province-period panel of 200 observations and a complementary legal-form product-mix layer, the study shows that LKMS resilience is heterogeneous across regions and funding structures. Larger provincial systems extend more financing but hold thinner equity buffers. Product-mix evidence suggests that diversification is resilience-enhancing only when matched with governance, liquidity and borrower-monitoring capacity. The article advances a fit-based theory of resilient Islamic microfinance.
Co-Authors Hairun Nisa Meirina Alkhoiriah Eka Putri Muhammad Yusup Ratna Ratna