Journal of Business Management and Economic Development
Том 3 № 01 (2025): Journal of Business Management and Economic Development

Determinants of Murabahah Financing at Indonesian Sharia Banks

Mardianto, Dedi (Unknown)
Putri, Afriliya Tri (Unknown)



Article Info

Publish Date
31 Jan 2025

Abstract

This research aims to analyze murabahah financing based on the influence of inflation, interest rates, and third-party funds on BSI. The data used is secondary data on Murabahah Financing, deposits, inflation, and interest for February 2021 to February 2024, sourced from the official websites of BSI and BI. The method used is a quantitative method with multiple regression analysis. The results of the study obtained from multiple regression analysis show that the variables of deposits, inflation, and interest rates have a significant positive effect on murabahah financing at BSI in 2021-2024. Likewise, deposits, interest, and inflation significantly influenced murabahah financing at BSI in 2021-2024. The results of this study imply that banks need to pay attention to these macroeconomic factors in formulating business strategies and murabahah financing products, as well as increasing deposits by offering products and services that are attractive to customers. In addition, Sharia bank also needs to monitor the development of interest rates and inflation to be able to adjust the strategy to be carried out with various dynamic macroeconomic conditions.

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Journal Info

Abbrev

jbmed

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

Description

Journal of Business Management and Economic Development (JBMED) is an international academic open-access journal that has gained a foothold in Indonesia, Asia and is open to the world. It aims to promote the integration of trade, economics, and finance. The focus is to publish papers on ...