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All Journal AKSES: Jurnal Ekonomi dan Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Ihtifaz: Journal of Islamic Economics, Finance, and Banking ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES IEFBR: Islamic Economics, Finance, and Banking Review Green Economics Review At-Tasharruf: Jurnal Ekonomi dan Bisnis Syariah
Rofiul Wahyudi
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Economics, Econometrics & Finance Social Sciences

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Journal : Green Economics Review

 1 
Impact of Mudharabah and Murabahah Financing on Profitability of Islamic Banks in Indonesia and Malaysia Yuliana Mayu Nur Safitri; Rofiul Wahyudi; Nani Hanifah
Green Economics Review Vol. 1 No. 1 (2024)
Publisher : Yayasan Al Ma'arif Dawuhan

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Abstract

In countries with a majority Muslim population, Islamic banks have the ability to easily develop rapidly, including Indonesia and Malaysia. Therefore, it cannot be denied that Indonesia and Malaysia are countries that are highly focused on the development of Islamic banking. It can be seen in terms of asset growth which is increasing every year, which is proof that Islamic banks in Malaysia and Indonesia have succeeded in achieving positive performance which affects the bank's profitability. This research aims to analyze the influence of mudharabah and murabahah financing on the profitability of Indonesian and Malaysian sharia banks partially or simultaneously. The data analysis technique used is descriptive. The type of data obtained from this research is secondary data based on the annual reports of Indonesian and Malaysian Sharia Banks for the period 2016 to 2020. By using a purposive sampling technique, 17 Islamic banks were sampled. This research uses data analysis tests of classical assumptions and hypotheses. The research results show that partial mudharabah financing has no effect on the profitability of Indonesian and Malaysian sharia banks. Murabahah financing partially influences the profitability of Indonesian and Malaysian sharia banks. Meanwhile, mudharabah and murabahah financing simultaneously influence the profitability of Indonesian and Malaysian sharia banks.
The Impact of Zakat Distribution and Open Unemployment Rate on Economic Growth in Indonesia Alfina Nur Azzahra; Ferry Khusnul Mubarok; Rofiul Wahyudi; Khairulman Akbar Hutagalung
Green Economics Review Vol. 2 No. 1 (2025)
Publisher : Yayasan Al Ma'arif Dawuhan

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Abstract

Economic growth is a key indicator of development performance, reflecting increases in per capita output and overall societal welfare. Despite Indonesia’s relatively stable economic growth, the effectiveness of socio-religious instruments such as zakat in promoting macroeconomic growth remains subject to debate, particularly when examined alongside labor market challenges as reflected in the Open Unemployment Rate (OUR). The novelty of this study lies in its empirical assessment of the role of zakat distribution and unemployment in influencing economic growth at the provincial level, thereby providing a more nuanced understanding of regional economic dynamics in Indonesia. This study aims to analyze the impact of zakat distribution and the Open Unemployment Rate on Indonesia’s economic growth. A quantitative approach is employed using multiple linear regression analysis. The study utilizes secondary data covering 34 provinces in Indonesia, obtained from the national statistical authority and officially recognized zakat management institutions. The findings reveal that zakat distribution does not have a positive and statistically significant effect on economic growth. Similarly, the Open Unemployment Rate does not exhibit a statistically significant negative effect on economic growth. These results suggest that the contribution of zakat to macroeconomic growth has not yet been optimal. This condition may be attributed to the relatively limited scale of zakat distribution, the predominance of consumptive-oriented allocation, and the lack of integration between zakat management and broader economic development policies. The implications of this study highlight the importance of strengthening zakat governance through the expansion of productive zakat programs and enhancing policy synergy between zakat institutions, labor market strategies, and national economic development frameworks. Such integration is expected to improve the effectiveness of zakat as an instrument for fostering inclusive and sustainable economic growth.
Co-Authors Akhmad Arif Rifan Alfina Nur Azzahra Alung Prasetya Ananda, Oktaviola Putri Anisa Yuri Dhea Arsy Ramadhini Dhofir Catur Bashori Dwi Santosa Pambudi Eka Laily Romadhani Iffah Nur Hanifah Inda Dwi Kartika Ketina Widiana Khairulman Akbar Hutagalung Mubarok, Ferry Khusnul Nabilah Huwaida Nani Hanifah Rasyid Bimo Radithyo Shafira Natasya Sulianti Ufairoh Ufairoh Yuliana Mayu Nur Safitri