Strategi Peningkatan Pembiayaan Bagi Hasil Pada Bank Syariah di Indonesia

Rusandry, Rusandry

doi:10.5281/zenodo.4486304

Cited by 1 publication

(3 citation statements)

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“…Meanwhile, musyarakah is a cooperation agreement between two parties, in which each party distributes its funding. The agreement in this contract is that both parties bear both the risks and benefits together in accordance with the agreement that has been made (Rusandry, 2021).…”

Section: Profit-sharing Financingmentioning

confidence: 97%

“…Many factors affect the size of the growth of PSF, starting from a large number of mudharabah deposits, credit risk, profit-sharing rates, and third-party fundraising (Ismah & Shofawati, 2018;Angraini & Sumantri, 2019). In addition, other financial ratios such as the financing to return on assets (ROA), capital adequacy ratio (CAR), deposit ratio (FDR), and operating costs to operating income (BOPO) also affect the size of growth in PsF (Primadhita et al, 2021;Rusandry, 2021;Jamilah & Wahidahwati, 2016).…”

Section: Introductionmentioning

confidence: 99%

“…PSF has the potential to move the real sector because the capital obtained is intended for productive businesses. Of the many factors that drive PSF, the most dominant are credit risk (Primadhita et al, 2021), profit-sharing rate (Ismah & Shofawati, 2018), and liquidity risk (Rusandry, 2021;Jamilah & Wahidahwati, 2016).…”

Section: Introductionmentioning

confidence: 99%

See 2 more Smart Citations

Risk Management and Rate in Growing of Profit-Sharing Financing

Junaini

Iqbāl

Masili

et al. 2023

IJFBS

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As a main characteristic of Islamic banks, profit-sharing financing (PsF) has an actual influence on driving the economy in the real sector. A PsF using mudharabah and musyarakah contract is mostly channeled to fund productive businesses. This study tries to find out how the Islamic bank performance reflected by credit risk, profit-sharing rate, and liquidity can increase the PsF growth in Islamic banks. Using a quantitative approach through regression analysis, this study analyzed the impact arising from the improved credit risk, profit-sharing rate, and liquidity on the growth of PsF. The data used is secondary data obtained from statistics on Islamic banking in Indonesia (ranging from the 1st quarter of 2015 to the 4thquarter of 2021). The findings revealed that the Islamic bank performances as represented by credit risk, profit-sharing rate, and liquidity can be an indicator of growth of PsF. A low profit-sharing rate, credit risk, and liquidity risk will encourage PsF growth.

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Section: Profit-sharing Financingmentioning

confidence: 97%