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All Journal EKSPANSI ESENSIA: Jurnal Ilmu-Ilmu Ushuluddin Jurnal Masyarakat Mengabdi Nusantara Alkhidmah: Jurnal Pengabdian dan Kemitraan Masyarakat GEMBIRA (Pengabdian Kepada Masyarakat)
Lutfianto
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : EKSPANSI

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ENHANCING ISLAMIC BANK PROFITABILITY: EVALUATING THE ROLE OF MUDHARABAH AND MUSYARAKAH FINANCING Lutfianto; Ruhadi; Setiawan, Setiawan
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 17 No 1 (2025)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v17i1.6520

Abstract

This study aims to analyze the influence of Mudharabah and Musyarakah financing on net profit in Islamic commercial banks registered with the Financial Services Authority (OJK) during the 2014–2023 period. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) as the analytical method. The results show that Mudharabah financing does not have a significant effect on net profit, while Musyarakah financing has a highly significant and positive effect. These findings indicate that Musyarakah is a more effective financing scheme in improving the financial performance of Islamic commercial banks. Therefore, financial management strategies in Islamic banks should place greater emphasis on optimizing the use of Musyarakah financing.
Co-Authors M Tohir Ruhadi Ruhadi Setiawan Setiawan