Alhamdulillah : Jurnal Agama Islam
Vol. 3 No. 01 (2024): Alhamdulillah : Jurnal Agama Islam

The Influence of Murabahah Financing on the Financial Performance of Islamic Banks in Indonesia: An Empirical Analysis

Ridho, Ridho Kurniawan (Unknown)
Najwa, Najwa Shifa Qursya (Unknown)



Article Info

Publish Date
30 Jun 2024

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.

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Journal Info

Abbrev

Islam

Publisher

Subject

Religion Arts Education Languange, Linguistic, Communication & Media Other

Description

Articles that will publishes in the Journal are manuscripts from empirical research (Quantitative or Qualitative Methods), Literature Studies and Library Research which are contribute to the development of general studies of religion and science, especially the themes of integration science and ...