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October 10, 2025Jurnal Alwatzikhoebillah Kajian Islam Pendidikan Ekonomi HumanioraOpen Access

Non-Performing Financing sebagai Mediasi dalam Hubungan Pembiayaan Syariah dan Profitabilitas Bank Umum Syariah di Indonesia

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Authors

RDRisma Arlia Sinta DewiYUYuni Putri UtamiAAAmirah Amirah

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Overview

Observational analysis reveals sharia-based financing influences profitability in Islamic banks, indicating NPF as a key mediator.

Key Points

  • Sharia-based financing types significantly impact the profitability of Islamic banks, leading to varied contributions from each contract type.
  • Regression results showed istishna contributes the most to profitability, while ijarah negatively affects it, highlighting complex relationships.
  • Analysis on non-performing financing (NPF) revealed mudharabah, istishna, and ijarah significantly impact NPF, with others marked less effective.
  • Mediation analysis showed NPF mediates profitability effects specifically for musyarakah and mudharabah, emphasizing risk management importance.

Cite This Study

Dewi et al. (2025) studied this question.

synapsesocial.com/papers/68e861857ef2f04ca37e3abahttps://doi.org/10.37567/alwatzikhoebillah.v11i2.4165
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1The Effect of Murabahah, Mudharabah and Musharakah Financing on Profitability in Sharia Commercial Banks2024
  2. 2The Effect of Istishna Financing, Mudharabah Financing and Ijarah Financing on Financial Performance in Islamic Commercial Banks2024
  3. 3The Influence of Non-performing Financing and Financing To Deposit Ratio on Profitability in Sharia Commercial Banks in Indonesia2024
  4. 4The Influence of Murabahah, Musyarakah, Mudharabah and Qardh on the Profitability of Islamic Commercial Banks2024
  5. 5The Influence of Murabahah, Musyarakah, Ijarah and Qardh Financing on The Net Profit of Sharia Commercial Banks (BUS) in Indonesia 2017-20222024