Al-Iqtishad
Vol. 7 No. 01 (2025): Juli-Desember 2025

PENGARUH PEMBIAYAAN MUDHARABAH, MUROBAHAH, DAN MUSYARAKAH TERHADAP PERTUMBUHAN ASET BANK SYARIAH DI INDONESIA

Muhammad Ridwan Hidayat (Universitas Islam Negeri Sunan Gunung Djati Bandung)
M. Akmal Arrahman (Universitas Islam Negeri Sunan Gunung Djati Bandung)
Muhammad Akmal Abdurrahman (Universitas Islam Negeri Sunan Gunung Djati Bandung)



Article Info

Publish Date
31 Dec 2025

Abstract

This research endeavors to scrutinize how mudharabah, murabahah, and musyarakah funding influence the increase in assets held by Islamic banks operating in Indonesia, employing the Autoregressive Distributed Lag (ARDL) methodology. Temporal data was dissected utilizing assessments of stationarity, cointegration tests via Bounds Test, alongside short-term and long-term projections. The outcomes reveal a cointegrated connection linking Islamic financial arrangements with the expansion of Islamic banking assets. When considering the immediate future, mudharabah funding notably impacts asset expansion, contrasting with murabahah and musyarakah, which do not exhibit notable effects. Looking at the extended horizon, murabahah funding is shown to have a favorable and substantial effect on the upswing of assets within Islamic banks, whereas both mudharabah and musyarakah indicate a positive yet non-substantial influence. These discoveries substantiate the ongoing prevalence of murabahah as the principal mechanism fueling the advancement of Islamic banks' asset portfolios throughout Indonesia.

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Journal Info

Abbrev

aliqtishad

Publisher

Subject

Description

Al-Iqtishad: Jurnal Ekonomi Syariah aims to promote and disseminate high-quality scholarly research in the field of Islamic economics, finance, and related disciplines. The journal serves as an academic platform for researchers, lecturers, practitioners, policymakers, and students to contribute to ...