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Journal : Research of Islamic Economics (RIE)

The Effect of Macro-indicators and Profit Sharing on Mudharabah Deposits: Evidence from Indonesia Stalia, Sela; Sunarsih, Uun; Nasution, Nursanita; Mustika, Maya; Ardheta, Preztika Ayu
Research of Islamic Economics Vol. 1 No. 2 (2024): JANUARY 2024
Publisher : SAN Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58777/rie.v1i2.173

Abstract

This research seeks to ascertain how interest rates, GDP, and profit-sharing relate to mudharabah savings in Islamic commercial banks. This study employs a quantitative research design and measures its findings using a panel data regression approach. Sharia commercial banks that registered with the Financial Services Authority (OJK) between 2016 and 2020 make up the research population. There were 180 observations in total in this study because the sample was chosen using the purposive sampling method and included a total of nine Sharia commercial banks. This study employed secondary data, specifically quarterly financial reports. The study's findings demonstrate that mudharabah deposits benefit from interest rates. Mudharabah benefits from the amount of profit sharing. deposits. Mudharabah deposits are positively impacted by the GDP. It is well recognized that the amount of mudharabah savings is influenced by GDP, a measure of people's income. The managerial ramifications of how GDP, profit-sharing, and interest rates affect mudharabah deposits can be very significant in a financial context. Interest rates, income uncertainty, and risk management minutes. Profit sharing, compliance with Sharia principles, and product development and portfolio management.
Strengthening MSME Performance: The Role of Entrepreneurial Orientation and Business Models in Micro Wakaf Bank PKP Nurinda, Shaqyna Ratu; Effendi , Syahrul; Ardheta, Preztika Ayu
Research of Islamic Economics Vol. 2 No. 2 (2025): JANUARY 2025
Publisher : SAN Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58777/rie.v2i2.383

Abstract

This research aims to determine to analyze the effect of entrepreneurial orientation on the performance of MSMEs on customers of the Pondok Karya Pembangunan Micro Waqf Bank (PKP) and to analyze the effect of the Business Model on the performance of MSMEs on customers of the Micro Waqaf Bank Pondok Karya Pembangunan (PKP) Development Work. The population of this study was 100 customers of the PKP Micro Waqf Bank. Sample selection through non-probability sampling method with purposive sampling technique. The results of this study indicate that Entrepreneurial Orientation and Business Model have a positive and significant influence on MSME Performance on customers of the Pondok Karya Pembangunan Micro Waqf Bank (PKP). The managerial implications of this study emphasize the need for Micro Wakaf Bank Pondok Karya Pembangunan (PKP) to enhance entrepreneurial orientation and optimize business models among its UMKM customers. By fostering innovation, proactive risk-taking, and competitive aggressiveness, the bank can empower UMKM to adapt to market dynamics effectively. Simultaneously, developing flexible and customer-centric business models can improve operational efficiency and market responsiveness. These strategies not only drive better performance outcomes for UMKM but also strengthen the bank's role as a facilitator of sustainable economic growth in the community.