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All Journal Al-Mashrof: Islamic Banking and Finance Jurnal Intelek Dan Cendikiawan Nusantara
Putri Fitriyani
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Economics, Econometrics & Finance Other

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PERAN PERBANKAN SYARIAH DALAM MENINGKATKAN INKLUSI KEUANGAN DI INDONESIA Putri Fitriyani; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

This study aimed to analyze the role of Islamic banks in promoting financial inclusion in Indonesia. Financial inclusion is a crucial process that provides formal financial access to the poor and low-income individuals, often referred to as the unbankable. The research employed a qualitative approach to gather in-depth insights into this topic. The qualitative data were analyzed using Strauss and Corbin’s grounded theory, which involves three major steps: open coding, axial coding, and selective coding. Through this methodology, the study highlighted the significant potential of Islamic banking in enhancing financial inclusion. The findings indicated a substantial increase in funding and financing activities from 2010 to 2014, demonstrating the growing impact of these banks on the financial landscape. Furthermore, the analysis of financial ratios revealed that the performance of Islamic banks is robust, reflecting sound financial condition. The research underscores that Islamic banks can effectively reach underserved populations, thus contributing to broader economic development and social equity in Indonesia. By offering Sharia-compliant products and services, these banks cater to the needs of those who may be hesitant to engage with conventional a banking systems. Overall, this study is emphasizes the importance of Islamic banks as key players in advancing financial inclusion, highlighting their ability to provide essential financial services to marginalized communities, ultimately fostering inclusive economic growth. This role is especially vital in a developing country like Indonesia, where access to financial resources can significantly change the lives of many individuals and families. since 2010-2014 and results of financial ratio analysis .
Profitability of Sharia Banks in Indonesia: An Analysis of Third-Party Funds and Murabahah Financing at Bank Muamalat Indonesia Rosilawati, Weny; Maya Meilia; Putri Fitriyani
Al-Mashrof: Islamic Banking and Finance Vol. 7 No. 1 (2026): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/sydf0f69

Abstract

The profitability of Islamic banks is a key indicator of how effectively banks perform their intermediation function, particularly in mobilizing Third-Party Funds and allocating them through sharia-compliant financing. This study examines the effect of Third-Party Funds and murabahah financing on the profitability of Bank Muamalat Indonesia during the 2015–2024 period. This research applies a quantitative approach using secondary data from the quarterly financial statements of Bank Muamalat Indonesia. The sample consists of 40 quarterly observations selected through purposive sampling. Profitability is measured by Return on Assets, while Third-Party Funds and murabahah financing serve as independent variables. The data were analyzed using multiple linear regression with EViews 10. The findings show that Third-Party Funds have a positive and significant effect on profitability, and murabahah financing also has a positive and significant effect on profitability. Simultaneously, both variables significantly explain profitability, with an R-squared value of 66.69%. The novelty of this study lies in its institutional focus on Bank Muamalat Indonesia as the first Islamic commercial bank in Indonesia and its use of long-term quarterly data to highlight the role of fund mobilization and financing allocation as indicators of sharia intermediation effectiveness.   Keywords: Third-Party Funds; Murabahah Financing; Profitability; Return on Assets; Bank Muamalat Indonesia
Co-Authors Is Susanto Maya Meilia Muhammad Iqbal Fasa Weny Rosilawati