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All Journal Jurnal Ekonomi & Keuangan Islam
Sandia, Sandi
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Economics, Econometrics & Finance

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Examining profit-sharing financing dynamics in Indonesian Islamic banking: ECM and ARDL approaches Sandia, Sandi; Ascarya , Ascarya; Sulaeman, Sulaeman
Jurnal Ekonomi & Keuangan Islam Volume 11 No. 2, July 2025
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol11.iss2.art4

Abstract

Purpose – This study examines the key factors driving profit-sharing financing growth in Indonesian Islamic banks and offers insights into post-Covid-19 recovery strategies.Methodology – This study used the ECM and ARDL methods to analyze short-term adjustments and long-term dynamics in 35 Indonesian Islamic banks. Findings – The results indicate that money supply, liquidity ratio, and financial profitability drive both short- and long-term growth in profit-sharing financing. Conversely, inflation and financial risk negatively affect the long-term expansion of such financing. Meanwhile, exchange rates, interest rates, and operational efficiency do not have a significant influence. Additionally, the findings highlight that long-term relationships in profit-sharing financing remain stable, with temporary short-term imbalances.Implications – This study provides evidence for policymakers and Islamic bank management to develop strategies to enhance profit-sharing financing, support Islamic banking growth, and guide post-Covid-19 recovery policies. Insights highlight key areas for strengthening Islamic banking operations in Indonesia.Originality – This study builds on previous research by applying the ECM and ARDL frameworks, providing a more comprehensive analysis of profit-sharing financing determinants in Indonesian Islamic banking.
Co-Authors Ascarya , Ascarya Sulaeman Sulaeman