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Najwa, Najwa Shifa Qursya
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Journal : Alhamdulillah : Jurnal Agama Islam

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The Effectiveness of Murabahah Financing System in Increasing Profitability of Islamic Banks in Indonesia Haris, Muhammad Haris; Najwa, Najwa Shifa Qursya
Alhamdulillah : Jurnal Agama Islam Vol. 2 No. 02 (2023): Alhamdulillah : Jurnal Agama Islam
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/alhamdulillah.v2i02.307

Abstract

This study aims to analyze the effectiveness of the murabahah financing system in increasing the profitability of Islamic banks in Indonesia. The murabahah financing system is considered as an alternative financing that is in accordance with Islamic principles, which provides benefits for both banks and customers. The analysis was conducted by evaluating several aspects, including bank profitability, financing performance, associated risks, impact on customer satisfaction, and external factors that influence it. The results of the study indicate that the murabahah system is effective in increasing the profitability of Islamic banks, with significant profit margins and high customer satisfaction. However, challenges related to financing risks such as default and fluctuations in the price of goods need to be managed carefully. This study provides insight into how the murabahah financing system can continue to develop in the Islamic banking sector in Indonesia.
The Influence of Murabahah Financing on the Financial Performance of Islamic Banks in Indonesia: An Empirical Analysis Ridho, Ridho Kurniawan; Najwa, Najwa Shifa Qursya
Alhamdulillah : Jurnal Agama Islam Vol. 3 No. 01 (2024): Alhamdulillah : Jurnal Agama Islam
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/alhamdulillah.v3i01.312

Abstract

This study aims to analyze the effect of murabahah financing on the financial performance of Islamic banks in Indonesia. Using secondary data from Islamic bank financial reports for the period 2018-2022, this study applies multiple linear regression analysis to test the relationship between murabahah financing and financial performance variables such as profitability, operational efficiency, and asset growth. The results of the study indicate that murabahah financing has a significant positive effect on profitability and asset growth, while its effect on operational efficiency is more moderate. Murabahah financing has proven to be an effective instrument in improving the financial performance of Islamic banks, both in terms of stable income and cost efficiency. This study provides insight for Islamic banks to further develop murabahah financing strategies by considering risk management and diversification of financing products.
Co-Authors Haris, Muhammad Haris Ridho, Ridho Kurniawan