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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 - Dewikarina A.A. Ketut Agung Cahyawan W Aam Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana, Aam Slamet Adrianna Syariefur Rakhmat Afifatun Ni’mah Al Amiri Octadianto Al Mustofa, Muhammad Ubaidillah Ali, M. Mahbubi Ali, Mohammad Mahbubi Alin Nuhadilah Alissa Azmul Faoziyyah Annisa Aulia Safitri Annisa Ayusaleha Ari Widodo Arwani Arwani Ascarya Ascarya Aslan, Hakan Atina Shofawati, Atina Ayu Dwi Rukmana Aziza Hanifa Khairunnisa Bani Alkausar, Bani bayram, kamola Bayu Arie Fianto Belgiawan, Prawira Fajarindra Bin Mohd Dali, Nuradli Ridzwan Shah Bunga Aprigati Iskandar Chandra Ari Haryanto Chandra Ari Haryanto, Chandra Ari Choirum Miha Dahayu Bethari Widyandri Desi Novera Danur Desi Sulfa Ningtias Dewi Karina, Dewi Dina Fitrisia Septiarini, Dina Fitrisia Doni Kurniawan Doni Kurniawan Dwi Wulan Ramadani Eko Fajar Cahyono, David Kaluge Evania Herindar Fadlilatun Ni'mah Fahamsyah, Mohammad Hatta Ferica, Michelle Filianti, Dian Fitria Nurma Sari Gianissa Pandu Islamy Gigih Prihantono Hadi, T. Saipul Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Herwindo Ghora Nidityo Herwindo Ghora Nidityo, Herwindo Ghora Hikmah Maulidiyah Ibrahim, Mochammad Malik Idzal Dwi Nantyah Imron Mawardi Indah Rahmawati Irham Zaki Islamy, Gianissa Pandu Ivani Ramadhanti Jannah, Shahnaz Latifatul Jayanti, Septia Dwi Kholidah, Himmatul KP Prabheesh Lia Auliah Rachmah Luluk Afiqoh M Nasih M. Madyan Madyan, Muhammad Martien Rachmawati Martien Rachmawati, Martien Maslihatul Bisriyah Maulida, Syahdatul Mayangsari, Lidia Meidina Ana Ogie Moh. Nasih Mohammad Nafie Jauhari Muhammad Madyan, Muhammad Nadia Amalia Latifah Nia Fajriyatun Nadlifiyah Nurul Huda Persada, Satria Fadil Puji Sucia Sukmaningrum Pupun Saepul Rohman Puspita Sari, Ika Putri, Diana Clarisa Alya Raditya Sukmana Ramadhanti, Ivani Rani, Lina Nugraha Reza Ashari Nasution Rolista Dwi Oktavia Rosalia Debby Endrianti Rusmita, Sylva Alif Salsabilla, Salma Nadia Setiyowati, Arin Shabbir, Malik Shahzad Shahzad Shabbir, Malik Sherrindra Avedta Siti Nur Ro'ikayah Siti Zulaikah Siti Zulva Rafika Sri Herianingrum Sudana Sudana Tika Widiastuti Turmudi Ulfa, Anis Maria Vega Zahrah Narendra Duhita WAHYU SUKARTININGSIH Wijaya, Ulfia Imelda Windasari, Nila Armelia Yatoo, Nissar Ahmad Yulita Widya Afiqah