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Annisa Arifah Pangastuti
Perbanas Institute
Economics, Econometrics & Finance

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Optimization of Profit-Sharing Financing at Islamic Banking in Indonesia Selamet Riyadi; Muhammad Iqbal; Annisa Arifah Pangastuti; Arianto Muditomo
Jurnal Keuangan dan Perbankan Vol 25, No 2 (2021): April 2021
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v25i2.5212

Abstract

The purpose of this study is to identify factors that can encourage an increase in profit- sharing financing. These factors are third-party funds in the form of mudharabah deposits, non-performing financing, equivalent rate, operational efficiency ratio, economic growth, and inflation. The research method uses a co-integration and error correction model (ECM) with a sample of the Islamic banking industry in Indonesia from the first quarter of 2015 to the third quarter of 2020. The results show that the factors that encourage profit-sharing financing are the growth of third-party funds in the form of mudharabah deposits, non- performing low funding, low equivalent rate, operational efficiency, and economic growth. These factors are the key to driving the growth of profit-sharing financing. This research contributes to providing various alternative strategies in encouraging the growth of profit- sharing financing, such as increasing retained earnings from profit, providing attractive profit-sharing incentives, transparency of financial reports to attract people to invest in Islamic banks, prevention and supervision of non-performing financing, be careful in determining the ratio by taking into account several internal and external aspects, as well as paying attention to the movements of existing economic growth. DOI : https://doi.org/10.26905/jkdp.v25i2.5212
Co-Authors Arianto Muditomo Muhammad Iqbal Selamet Riyadi