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The Effect of Murabahah, Musyarakah, Mudharabah Financing on Profitability with Banksize is a Control Variabel in Islamic Comercial Bank Dinsa Selia Putri; Segaf
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.55574

Abstract

This research analyzes the effect of murababahah, musyarakah and mudharabah financing on the profitability of Islamic commercial banks, considering the size of the bank as a control variable. Population of this research is Islamic commercial banks registered with the OJK, sampling method was used to select five companies that meet the criteria. The Eviews 12 analytic tool supports the quantitative methodology of this study. The research results show that murabahah financing has a negative and significant effect on profitability, as early repayments without penalties reduce total profit, despite higher margins set for longer terms. Musyarakah financing has no effect on profitability, because musyarakah financing allocates profits based on capital contribution or predetermined ratios; however, its medium to long term nature limits it is contribution to the value added growth of profitability. Meanwhile, mudharabah financing and banksize have a positive and significant effect on profitability, because mudharabah financing positively influences profitability, as higher profit sharing returns increase bank income and improve profitability. Greater bank assets expand operations and customer reach, supporting higher profitability. Based on the results of the f test, all independent variables in this study have an effect on profitability. Islamic commercial banks are expected to maintain strong financial performance in the coming years to sustain public trust, customer confidence, and stakeholder support.
Integrasi Prinsip Syariah dalam Pengelolaan Modal Kerja dan Keputusan Pembiayaan: Tinjauan Teoritis: Integration of Sharia Principles in Working Capital Management and Financing Decisions: Theoretical Review Dessy Boegiyati; Segaf; Parmujianto
Mu'allim Vol 6 No 1 (2024): Januari 2024
Publisher : Fakultas Agama Islam Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/muallim.v6i1.3944

Abstract

This study aims to analyzes working capital management and financing in general. Basically, working capital management is a form of managing the company's current assets and current liabilities with the aim of achieving a balance between profit and risk so that in the future it can make a positive contribution to company value, namely increasing profits and reducing risk. The condition of the company is influenced by working capital management in increasing and controlling its liquidity. Where a company must provide sufficient working capital in order to carry out the company's operations. In addition, increases or decreases in liquidity can be seen from the company's working capital. Financing management is very important for Islamic financial institutions because by implementing good financing management, Islamic financial institutions in particular will be able to maintain healthy financial performance and reduce the risk of bad financing. This research is quantitative research with a descriptive approach. To minimize the risks that occur, financing management from the perspective of Islamic financial institutions must be carried out based on the precautionary principle contained in the financing analysis which includes 5C analysis and 7A analysis.
Co-Authors Dessy Boegiyati Dinsa Selia Putri Parmujianto