Pengaruh Giro Wadiah Dan Mudharabah Terhadap Peningkatan Laba (Survey Pada Pt Bank Bri Syariah Cabang Bekasi)

Riyanto, Riyanto; Paramansyah, Arman

doi:10.47467/alkharaj.v1i1.18

Cited by 1 publication

(1 citation statement)

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“…(Fadhila, 2015). According to studies (Paramansyah, 2019), (Purwaningsih, 2016), (Muslih, 2017), and (Nurawwalunnisa, 2017), mudharabah financing has a good impact on corporate earnings.…”

Section: Effect Of Mudharabah On Net Profitmentioning

confidence: 99%

Profit Islamic Bank from Mudharabah and Musharakah Finance with Islamic Social Responsibility Disclosure

Yusuf

Ratnawati²,

Sari³

2021

IJFBS

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This research was conducted to determine the effect of mudharabah and musharakah financing on net profit of Islamic commercial banks in Indonesia. This study uses the annual financial statements of Islamic commercial banks obtained from the Financial Services Authority and annual reports on the website of Islamic commercial banks for the period 2010-2019. The test results found that mudharabah financing had a significant effect on the net profit of Islamic banks, this also strengthened Islamic social responsibility of Islamic commercial banks. But unlike mudharabah financing, musharakah financing actually has a negative effect on the net profit of Islamic commercial banks, which means that the higher the Islamic bank distributes musharakah financing, the rate of profit will decrease which results in the weakening of Islamic social responsibility disclosure. It is recommended that Islamic banks exercise greater caution when selecting consumers for mudharabah financing, as this type of financing carries a higher risk but also a higher profit share if the financing is successful. This research has a limitation in that it focuses exclusively on Islamic commercial banks in Indonesia, although additional research might be conducted by sampling Sharia Business Unit and Sharia Rural Bank.

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“…(Fadhila, 2015). According to studies (Paramansyah, 2019), (Purwaningsih, 2016), (Muslih, 2017), and (Nurawwalunnisa, 2017), mudharabah financing has a good impact on corporate earnings.…”

Section: Effect Of Mudharabah On Net Profitmentioning

confidence: 99%