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All Journal JIKA: Jurnal Ilmu Keuangan dan Perbankan Jurnal Ilmiah Magister Manajemen (JIMM) Indonesian Community Service and Empowerment Journal (IComSE) Journal of Economics, Management, Business And Accounting (JEMBA) Jurnal Pengabdian Teknik dan Ilmu Komputer (PETIK) Bulletin of Islamic Economics
Maryati, Mari
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Arts Computer Science & IT Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Musyarakah Financing Contribution to The Profitability Of Bank Syariah Indonesia (BSI) Komala, Adeh Ratna; Maryati, Mari; Hinggis, Fatya Febrianti; Fitri, Diana
Bulletin of Islamic Economics Vol. 2 No. 1 (2023)
Publisher : Department of Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/bie.2023.021-01

Abstract

Financing products offered by Islamic banks are diverse, but the most popular one is the murabahah contract. However, the desired contract from Islamic banks is the musyarakah financing because it is the mainstay of the Islamic banking industry. The purpose of this research is to examine the contribution of musyarakah financing to the profitability of Bank Syariah Indonesia (BSI). This study used a descriptive and verification method where the processed data were secondary financial reports with musyarakah financing and profitability variables, and Return on Assets (RoA) was used as the indicator. Financial data was taken from financial reports for three years, namely 2019, 2020, and 2021. The data were then processed using SPSS version 23.0 with a simple linear regression analysis method. The results of the study show that the musyarakah financing variable has an effect on the profitability of BSI. In conclusion, musyarakah financing is an ideal product for Islamic banks because it provides the same opportunity for partners to contribute in the form of capital or expertise.
Co-Authors AA Sudharmawan, AA Balqis, Tania Indah Benasifa, Citra Chintya Eddy Soeryanto Soegoto Fadlia Adiwijaya, Fakhrian FITRI, DIANA Hadi Purnomo Hadi Purnomo Hardyanto, Chrismikha Herlina, Maya Hinggis, Fatya Febrianti Komala, Adeh Ratna Natalia, Tri Widiati Nuraeni, Natasya Nurcahyani, Indah Sri Putri, Syalma Nabila Setiyadi, Angga Soegoto, Dedi Sulistiyo Sutisnawati, Yayah Wahab, Deden A