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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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