JHSS (Journal of Humanities and Social Studies)
Vol. 10 No. 01 (2026): JHSS (Journal of Humanities and Social Studies)

The Effect Of Inflation And The Bi Rate On Murabahah Financing At Bank Syariah Indonesia Tbk

Hastiani Nasution (Universitas Islam Negeri Sumatera Utara, Medan, Indonesia)
Nursantri Yanti (Universitas Islam Negeri Sumatera Utara, Medan, Indonesia)
Rahmi Syahriza (Universitas Islam Negeri Sumatera Utara, Medan, Indonesia)



Article Info

Publish Date
29 May 2026

Abstract

This study aims to analyze the effect of inflation and the BI Rate on murabahah financing at Bank Syariah Indonesia. The data used in this study are secondary data obtained from the financial statements of Bank Syariah Indonesia, as well as macroeconomic data related to inflation and the BI Rate collected from Bank Indonesia through its official website. The results show that partially, inflation has a negative but not significant effect on murabahah financing. This indicates that an increase in inflation tends to reduce murabahah financing due to the decline in people's purchasing power; however, the effect is not statistically significant. Meanwhile, the BI Rate has a positive and significant effect on murabahah financing, indicating that changes in the BI Rate can influence the increase in the distribution of murabahah financing. Simultaneously, inflation and the BI Rate have a significant effect on murabahah financing. In addition, both variables have a relatively strong ability to explain the variation in murabahah financing, although there are still other factors outside the research model that also influence it.

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Journal Info

Abbrev

JHSS

Publisher

Subject

Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

Description

JHSS (Journal of Humanities and Social Studies) is a journal that publishes scientific papers in the field of humanities and social studies. This Journal, run by Lembaga Penelitian dan Pengabdian Pada Masyarakat, Universitas Pakuan, Bogor. The Journal provides opportunities for scholars to submit ...