This study aims to examine the effect of financing schemes on the dual functions of Islamic banks. For intermediary function, its analysis the financing schemes toward profitability. Financing schemes consist of Mudharabah, Qardh, Istisna’ and Ijarah. Meanwhile, the profitability level is measured by Return on Asset (ROA). In this study, the authors used the data from Financial Services Authority (OJK) for the study period from 2014 till 2022. This research used the Multiple Linear Regression to analyze the data. The results of this study indicate that Mudharabah, Qardh, and Ijarah in Full-Fledged Islamic banks (BUS) are significant effect on ROA. Mudharabah has negative effect but Qardh and Ijarah has positive effect. Meanwhile, in Sharia Business Unit (UUS) Qardh, Istisna’ and Ijarah have significant effect on ROA. All the variables have negative effect. Based on the analysis of Qardh financing, the social function of Islamic banks has not been carried out optimally.
<p><em>T</em><em>he purpose of this research is to find out how the implementation of the role of BMN DJPB grants to the community economy. It is hoped that the grant from BMN DJPB can improve the standard of living of the Muslim community. The research methodology used in this research is qualitative descriptive using methods of study literature and policies / regulations related to research problems. While the analysis method used is SWOT analysis. The results showed the transfer of state-owned goods through the grant mechanism is still very little done. Out of a total of 34,283 units of state-owned goods that were abolished, the transfer by grant mechanism was only 1,454 units or 4% of goods were given from all goods. The implication of this study is that it produces maximum benefits for the people and for the economy to create prosperity. Thus, state-owned goods obtained using state budget funds must also produce maximum benefits for the people.</em></p><br /><br />
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