Irham Zaki
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga

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Journal : MALIA

Profit Loss Sharing Problemsin the Banking Industry in Indonesia Fahamsyah, Mohammad Hatta; Zaki, Irham; Laila, Nisful; Shahzad Shabbir, Malik
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6247

Abstract

Introduction: This systematic literature review provides an overview of profit and loss sharing (PLS) in the Indonesian Islamic banking industry. The study aims to identify the development of Islamic banking, as well as the challenge and opportunities of PLS products and services in Islamic banking Methods: This research utilizes a systematic literature review methodology employing a qualitative approach, using databases, including SINTA and Google Scholar, to identify relevant articles and studies. A total of 609 journal articles were initially identified. Results: The findings of the study indicate that the Indonesian Islamic banking industry has experienced significant growth in recent years. However, the market share of Islamic banks in Indonesia is still relatively small compared to conventional banks. The development of PLS products and services has been a key factor in this growth Conclusion and suggestion: The study concludes that PLS is an important feature of Islamic banking and has numerous opportunities to be targeted. Meanwhile, PLS Scheme has challenges and negative potential for Indonesian Islamic banking. Hence, because of this negative potential, high risk, and competitiveness issue. However, Further investigation is warranted to delve into empirical research studies that examine the potential of profit and loss sharing as well as revenue sharing mechanisms within Islamic banking, along with their implications for the Indonesian economy.
Co-Authors Abdurrofiil Ali Achsania Hendratmi Ade Rahmawati Afifah Nur Millatina Afifah Nur Millatina Ahmad Fadlur Rahman Bayuny Ajeng Dwyanita Ajeng Dwyanita, Ajeng Anak Agung Gede Sugianthara Ario Hernest Hadinata Asri, Muhammad Rizal Bagus Baidhowi Bagus Baidhowi, Bagus Beny Septyliyan Primada Beny Septyliyan Primada, Beny Septyliyan Beta Raditya Aulia Beta Raditya Aulia, Beta Raditya Dezata Nublidin Tridharma Putra Eko Fajar Cahyono, David Kaluge Fahamsyah, Mohammad Hatta Fahri, Bastomi Fanet Muhammad Hanifan Paham Fathin Su'aidi Fatin Fadhilah Hasib Fikri Ariza Achmad Firdaus Arfianandy Abiyoga Firdaus Arfianandy Abiyoga, Firdaus Arfianandy Firmansyah Aditama Firmansyah Aditama, Firmansyah Gautsi Hamida Gautsi Hamida Gilang Abdu Baasithurahim Hakimi, Fifi Hamida, Gautsi Hanif Ferryanto Hanif Ferryanto, Hanif Hariyanto Hariyanto Haryanti, Peni Husnul Mirzal Ike Nofita Nurohmah Imam Gracia Marshall Imam Sopingi Imma Mufidatus Sholikhah Isna Yuningsih Khoirun Nisak Khurin Fijria Nuzula Kusumaningtyas, Menur Laili, Yunita Nur M Bastomi Fahri M Bastomi Fahri Zusak Meri Indri Hapsari, Meri Indri Mi'raj, Denizar Abdurrahman Miftah Marta Diansyah Millatina, Afifah Nur Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhammad Ali Ridho Muhammad Anis Muhammad Sena Nugraha Pamungkas Muhammad Sena Nugraha Pamungkas Nadiyah Bilqis Nafilatul Khusnah Nanda Nur Novadina Nisful Laila Nur Halimah Paham, Fanet Muhammad Hanifan Raden Mohamad Herdian Bhakti Rani, Lina Nugraha Rian Rahmat Hidayat Rian Rahmat Hidayat, Rian Rahmat Rifqi Lazuardian Riza Arsita Sari Safika Rosyidatul Arifah Sakethi Arrow Rulloh Saher Samsul Arifin Santoso, Rohmad Prio Shahzad Shabbir, Malik Sholikudin Alawy Siti Zulaikha Sri Herianingrum Sri Herianingrum Syahrul Falah Wenny Widiantika Wijayanti, Ida Yunan Fadhilah Yuninda Roro Yekti Nugrahana Yunita Nur Laili Zusak, M Bastomi Fahri