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All Journal El Dinar IIJSE
Zulvia, Awin Rahma
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Economics, Econometrics & Finance Other

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IMPLEMENTASI AKAD MURABAHAH BERBASIS MARGIN PADA MASA PANDEMI COVID-19 Zulvia, Awin Rahma; Nawirah, Nawirah
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 9, No 2 (2021): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v9i2.11867

Abstract

Researchers choose the research objects in BRI Syariah Malang Branch because they have high customer trust. Financing products at BRI Syariah Malang Branch one of them is murabahah. Murabahah is a product to buy and sell financing in cash and credit in accordance with Islamic principles. This study aims to find out the effect of the covid-19 pandemic on the use of murabahah margins. This research uses qualitative methods with two approaches, namely interviews and in-depth observations. The results of this study confirm that murabahah financing is the most desirable financing in the pandemic period of 93.2% and the most effective murabahah margin used during pandemics is the annuity method. The determination of this margin is in accordance with DSN Fatwa No: 84/DSN-MUI/XII/2012 on the determination of Murabahah Financing Benefits.
The Effect of Musharakah and Murabaha Financing on Profitability with Non-Performing Financing as a Moderating Variable (in Sharia Business Units Registered with the Financial Services Authority) Zulvia, Awin Rahma; Lisa, Oyong; Farhan, Djuni
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5859

Abstract

This study aims to analyze the effect of Musharakah and murabahah financing on profitability in Islamic business units, as well as to examine the impact of Non-Performing Financing (NPF) on profitability. Additionally, this research assesses whether NPF can moderate the effect of Musharakah and murabahah financing on profitability. Thus, the study is expected to provide comprehensive insights into the relationship between types of Islamic financing, financing quality, and financial performance of Islamic business units. The research method used is a quantitative approach with eight Islamic business units selected using purposive sampling between 2020 and 2023. The data were analyzed using Moderated Regression Analysis to test the hypotheses proposed in the study. The results indicate that Musharakah financing has a negative and significant effect on profitability, with a coefficient of -3.562 and a probability value of 0.001. This suggests that higher Musharakah financing is associated with decreased financial performance of Islamic banks. Conversely, murabahah financing has a positive and significant effect on profitability, with a coefficient of 4.593 and a probability value of 0.000, meaning that higher murabahah financing is associated with improved financial performance. NPF is not able to moderate the effect of Musharakah on profitability, with a coefficient of -2.667 and a probability value of 0.013, but it is able to moderate the effect of murabahah on profitability, with a coefficient of 8.981 and a probability value of 0.000. These results are consistent with several previous studies that support these findings.
Co-Authors Djuni Farhan Nawirah Nawirah Oyong Lisa