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All Journal I-Finance Journal
Frida Eka Ristanti
Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
Economics, Econometrics & Finance

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ASSESSING THE EFFECTIVENESS OF PROFIT-SHARING FINANCING ON THE PROFITABILITY OF ISLAMIC BANKS: A CASE STUDY OF BANK MUAMALAT INDONESIA Frida Eka Ristanti; Rokhmat Subagiyo; Ummu Sholihah
I-Finance Journal Vol 12 No 1 (2026): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v12i1.33204

Abstract

This study investigates the role of profit-sharing financing (mudharabah and musyarakah) in shaping the profitability of Bank Muamalat Indonesia during 2018–2025, a period marked by the COVID-19 pandemic, restructuring, and capital injections. Using quarterly financial data and multiple regression analysis, results show no significant effect of mudharabah and musyarakah financing on profitability, either jointly or individually. The low coefficient of determination (9.9%) indicates that profitability is largely driven by external factors and non-financial strategies. The novelty of this research lies in challenging the assumption that profit-sharing financing automatically boosts Islamic banks’ earnings, especially in times of crisis. Practically, the findings highlight the need for risk management reassessment and income diversification, while offering regulators empirical evidence to balance Shariah principles with business sustainability.
Co-Authors Rokhmat Subagiyo Ummu Sholihah