Risk Management and Rate in Growing of Profit-Sharing Financing-Reference-Cited by-同舟云学术

Risk Management and Rate in Growing of Profit-Sharing Financing

Published:2023-03-21 Issue:1 Volume:12 Page:21-31
ISSN:2147-4486
Container-title:International Journal of Finance & Banking Studies (2147-4486)
language:
Short-container-title:IJFBS

Author:

Junaini Irawati,Iqbal Muhammad,Masili Sabrina Amanda,Kurniawati Dian,Ridarmeli

Abstract

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.

Publisher

Center for Strategic Studies in Business and Finance SSBFNET

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