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All Journal Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia International Journal of Islamic Business Management
Salma Indriani
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice

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ANALISIS FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MUSYARAKAH DI PERBANKAN SYARIAH Nazli Aulia; Nidaul Husna; Salma Indriani; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025): Desember
Publisher : CV. Barokah Publsiher

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Abstract

Musharakah financing represents a core profit-and-loss sharing (PLS) instrument in Islamic banking, designed to promote equitable risk-sharing and support productive economic activities. However, its proportion within the financing portfolio of Islamic banks in Indonesia remains relatively limited and fluctuative compared to non-PLS contracts. This study aims to analyze the factors influencing musharakah financing in Islamic banking by focusing on internal bank performance indicators and external macroeconomic conditions. This research employs a qualitative approach using a literature review method, drawing upon previous empirical studies, Islamic banking statistics, and regulatory documents related to PLS financing. The analysis reveals that internal factors such as non-performing financing (NPF), operational efficiency (BOPO), capital adequacy ratio (CAR), and third-party funds (DPK) consistently influence banks’ decisions in channeling musharakah financing. In addition, external factors including economic growth, inflation, and regulatory frameworks also play a significant role in shaping banks’ risk preferences toward partnership-based financing. These findings indicate that strengthening risk management, improving operational efficiency, and ensuring adequate capital structure are essential to support the sustainable development of musharakah financing in Islamic banking. This study is expected to contribute to the academic discourse on profit-sharing financing and provide strategic insights for Islamic banks in optimizing their financing portfolios.
Inovasi Produk Spray Anti Nyamuk Berbahan Serai Sebagai Upaya Pemberdayaan Ekonomi Masyarakat di Nagori Bahbiak Kecamatan Sidamanik Kabupaten Simalungun Salma Indriani; Syarifah Hanum Tumangger; Sherin Aulia Putri; Nursantri Yanti
Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Vol. 5 No. 3 (2026): September : Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia
Publisher : Sekolah Tinggi Ilmu Administrasi Yappi Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jppmi.v5i3.2996

Abstract

The utilization of local resources into innovative products is one of the efforts in community economic empowerment. This community service activity aims to introduce the use of citronella (Cymbopogon nardus) as a natural ingredient for anti-mosquito spray, while also providing insight into its potential development as an economically valuable product. The activity was carried out in Nagori Bahbiak, Sidamanik District, Simalungun Regency through a participatory approach consisting of observation, socialization, demonstration, and hands-on practice in producing the spray. Approximately 25 women from the community participated and successfully produced around 25 bottles of citronella-based anti-mosquito spray. The results show that the community gained practical knowledge on processing citronella into a product with both functional and economic value, and expressed enthusiasm toward the possibility of developing it into a small home-based business. This activity is expected to encourage the community to make creative and productive use of local potential as an alternative source of household income.
Co-Authors Muhammad Ikhsan Harahap Nazli Aulia Nidaul Husna Nursantri Yanti Sherin Aulia Putri Syarifah Hanum Tumangger