Article Per Year (5 Year)
p-Index From 2020 - 2025
5.529
P-Index
This Author published in this journals
All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal KALAM ESOTERIK Diwan : Jurnal Bahasa dan Sastra Arab Gender Equality: Internasional Journal of Child and Gender Studies QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Halaqa : Islamic Education Journal SYAMIL: Jurnal Pendidikan Agama Islam (Journal of Islamic Education) Al-Dzikra: Jurnal Studi Ilmu al-Quran dan al-Hadits Ijaz Arabi Journal of Arabic Learning Tribakti: jurnal pemikiran keIslaman IJoASER (International Journal on Advanced Science, Education, and Religion) Mantiqu Tayr: Journal of Arabic Language Journal of Research in Instructional Al-Muamalat : Jurnal Ekonomi Syariah MAQASIDI Jurnal Al-Qiyam Jurnal Tana Mana SYAMIL: JURNAL PENDIDIKAN AGAMA ISLAM (JOURNAL OF ISLAMIC EDUCATION) Al Karima : Jurnal Studi Ilmu Al Qur'an dan Tafsir Unisia Journal of Islamic Economics Lariba Amorti: Jurnal Studi Islam Interdisipliner International Journal of Education and Digital Learning (IJEDL) Demak Universal Journal of Islam and Sharia International Journal of Islamic Studies Higher Education Religia : Jurnal Ilmu-Ilmu Keislaman Al-Karim: International Journal of Quranic and Islamic Studies Kanun: Jurnal Ilmu Hukum Jurnal Progress: Wahana Kreativitas dan Intelektualitas Jurnal Hukum Islam Abdurrauf Journal of Islamic Studies Andragogi Jurnal Pendidikan dan Pembelajaran Tribakti: Jurnal Pemikiran Keislaman Al Maghazi : Arabic Language in Higher Education Proceeding Of International Conference On Education, Society And Humanity Al-Insyiroh: Jurnal Studi Keislaman Canonia Religia: Jurnal Studi Teks Agama dan Sosial Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Waralaba : Journal Of Economics and Business
Masuwd, Mowafg
Unknown Affiliation
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

Published : 42 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Unisia

 1 
Determinants of Murabahah Margin Income in Indonesian Islamic Commercial Banks, 2013–2018 Gustianti, Rizky; Andriansyah, Yuli; Masuwd, Mowafg
Unisia Vol. 41 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol41.iss2.art7

Abstract

This study investigates the factors influencing murabahah margin income in Islamic commercial banks in Indonesia from 2013 to 2018, focusing on the BI Rate, overhead costs, and third-party funds (Dana Pihak Ketiga abbreviated DPK in Bahasa Indonesia). It aims to explore how these variables, individually and collectively, affect murabahah pricing, which is critical for ensuring competitiveness and adherence to Sharia principles in Islamic finance. A quantitative approach was employed, utilizing secondary data from quarterly financial reports of Islamic banks. Multiple linear regression analysis, complemented by classical assumption tests, was used to evaluate the relationships between the independent variables and murabahah margin income. The analysis ensures robust insights into the financial dynamics of Islamic banking. The findings reveal that overhead costs significantly and positively influence murabahah margin income, underscoring the role of operational efficiency in pricing. While the BI Rate demonstrated a positive association with murabahah margins, its effect was statistically insignificant, highlighting the need for alternative Sharia-compliant benchmarks. DPK exhibited a negative but insignificant relationship, suggesting that its liquidity impact on murabahah margins may be indirect and moderated by other factors. The combined analysis showed that these variables significantly influence murabahah margins collectively, with overhead costs being the most dominant determinant. These results emphasize the interplay between macroeconomic indicators and operational strategies in murabahah pricing. They highlight the need for operational efficiency, ethical benchmarks, and innovative deposit mobilization strategies. This study contributes to the broader discourse on Islamic finance, offering actionable insights for improving financial sustainability and aligning practices with Sharia principles.
Co-Authors A.Jauhar Fuad Abdul Malik Abdul Mufid Abdulghani, Naser Abdullah, Mahmoud Abdurahman Abdurrahman Abu Zinah, Mansur Muhammad Adi Wijaya Adrika Fithrotul Aini, Adrika Fithrotul Agusman, Agusman Ahmad Farih Dzakiy, Ahmad Farih Aisyah Arsyad, Aisyah Albshkar, Hajer Albshkar, Hajer Abdallah Alfatani, Ifan Ali Alifta, Zeni Alouzi, Khuloud Alriteemi, Abraheem Alrumayh, Safa Alsayd, Abdulnaser Alsayd, Abdulnasir Dhaw Alzletni, Naima Salem Amrin Amrin Arifin, Mohammad Samsul Armyn Hasibuan Aryanti, Yosi Asmar, Mohd. Dimasqi Abandi Ayad, Nahid Baso Pallawagau Benny Prasetiya Bin Abdul Aziz, Abdul Rashid Busthomi, Yazidul Dharmawan, M. Alvin Setia Eko Zulfikar ELIHAMI, ELIHAMI Faizal Amin Fauzan . Fa’atin, Salmah Firdausiah, Nuri Fitrayani, Fitrayani Gustianti, Rizky HABIBI, ERFAN Hady, Alya Nafiesa Harisudin, Harisudin Hasanuddin Hasanuddin Hasanuddin, Hasanuddin Hayati, Mardiyan Heni Pujiastuti Husin Husin, Husin Husna Nashihin Iskandar Iskandar Januari, Anas Tania Jasri, Jasri kasheem, Majdy Khakim, Ahmad Maulidin Nuril Kirom, Abdul Kurnia Putra, Nanda M Rusydi Khalid, M Rusydi Ma'mun, Mohamad Mahmudin Mahmudin, Mahmudin Makmudi, Makmudi Mamdukh Budiman Mansyur, Fakhruddin Mardan Mardan Masoud, Mohieddin Mega Mustika MF, Moh Shofiyul Huda Midahayati, Rina Moh Mujibur Rohman Muhammad Ridwan Muhammad Saleh Mukaromah, Kholila Mukarromah, Lu’luil Mustamin, Siti Walidah Mutholingah, Siti Muzaiyana Mu’minin, Nashrul Nafi, Muhammad Naser Ali Abdulghani Nasution, Ismail Fahmi Arrauf Nisfah, Amirotun Nuhdi, Asep Paisun Paisun Putri, Amanda Alifia Ridwan Malik Rosyadi, Nabil Sami Barkah Samsuddin Samsuddin Setyaningrum, Vidhy Andika Shalghoum, Najimudin Shodiqi, Fauzan Subhan Subhan Syahran, Muhammad Syarifah . Umi Latifah Uswatun Hasanah Wanto, Deri Wijaya, Mirza Mahbub Yahya, Najeeb Yanto, Murni Yaqin, Muhamaad Ainul Yuli Andriansyah Yuli Andriansyah, Yuli Zaenal Abidin Zainuddin, Zainuddin