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All Journal Escalate : Economics and Business Journal
Agung setiawan harahap
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Economics, Econometrics & Finance

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Analysis of Incentive Compatible Constraint Establishment in Mudharabah Financing Profitability (A Case Study of Bank Pembiayaan Rakyat Syariah Al Washliyah Medan) Agung setiawan harahap; Sugianto; Rahmat Daim Harahap
Escalate : Economics and Business Journal Vol. 3 No. 01: Intelligent Marketing and Behavioral Insights: Redefining Institutional and Organizat
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v3i01.438

Abstract

Mudharabah financing in Indonesian Islamic banking remains low (6-8%) due to moral hazard and asymmetric information risks, limiting profitability despite its profit-sharing potential. This study analyzes Incentive Compatible Constraints (ICC) implementation at BPRS Al-Washliyah Medan to mitigate risks and enhance profitability. Using qualitative field research, purposive and snowball sampling targeted employees and mudharabah stakeholders (n=unspecified, saturation-based). Data from interviews, observations, and documents were analyzed via Miles & Huberman's model (reduction-presentation-verification). Findings reveal ICC strategies—collateral requirements, age/debt service limits, transparent monitoring, revenue-sharing ratios—effectively reduce moral hazard while boosting profitability through healthier bank-customer partnerships. Implementation challenges include individual customers lacking audited reports and resource constraints. Conclusions recommend standardized ICC guidelines and quantitative model development for broader Islamic finance applications.
Co-Authors Rahmat Daim Harahap Sugianto