Efek Diversifikasi Pembiayaan Sektor Ekonomi Terhadap Profitabilitas Dan Risiko Bank Syariah Di Indonesia
Financing in Islamic banking can be regarded as an investment because Islamic banking is a fund manager (mudharib) from the owner of the funds (shahibul maal), namely the customer. This research aims to show that investment diversification can minimize risk and increase profitability in Islamic bank...
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| Format: | Article |
| Language: | English |
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LPPM Institut Syariah Negeri Junjungan (ISNJ) Bengkalis
2021-10-01
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| Series: | Jurnal Perbankan Syariah |
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| Online Access: | https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/388 |
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| _version_ | 1849696145347969024 |
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| author | Muhammad Khozin Ahyar |
| author_facet | Muhammad Khozin Ahyar |
| author_sort | Muhammad Khozin Ahyar |
| collection | DOAJ |
| description | Financing in Islamic banking can be regarded as an investment because Islamic banking is a fund manager (mudharib) from the owner of the funds (shahibul maal), namely the customer. This research aims to show that investment diversification can minimize risk and increase profitability in Islamic banking. This study uses a quantitative method with a multiple linear regression model with 14 independent and 2 dependent variables. The data used is secondary data obtained from the Islamic banking statistics of the Financial Services Authority. The result of this research is that diversification of financing based on the economic sector has no effect on profitability but affects risk in reducing default. This research has implications for reducing the risk of default in Islamic banking, marked by the performance and quality of Islamic banking financing getting better. |
| format | Article |
| id | doaj-art-4e799bfa040e4fe894372b73c407398c |
| institution | DOAJ |
| issn | 2721-6241 2721-7094 |
| language | English |
| publishDate | 2021-10-01 |
| publisher | LPPM Institut Syariah Negeri Junjungan (ISNJ) Bengkalis |
| record_format | Article |
| series | Jurnal Perbankan Syariah |
| spelling | doaj-art-4e799bfa040e4fe894372b73c407398c2025-08-20T03:19:33ZengLPPM Institut Syariah Negeri Junjungan (ISNJ) BengkalisJurnal Perbankan Syariah2721-62412721-70942021-10-012219721110.46367/jps.v2i2.388388Efek Diversifikasi Pembiayaan Sektor Ekonomi Terhadap Profitabilitas Dan Risiko Bank Syariah Di IndonesiaMuhammad Khozin Ahyar0Institut Agama Islam Negeri (IAIN) Surakarta, Sukoharjo, IndonesiaFinancing in Islamic banking can be regarded as an investment because Islamic banking is a fund manager (mudharib) from the owner of the funds (shahibul maal), namely the customer. This research aims to show that investment diversification can minimize risk and increase profitability in Islamic banking. This study uses a quantitative method with a multiple linear regression model with 14 independent and 2 dependent variables. The data used is secondary data obtained from the Islamic banking statistics of the Financial Services Authority. The result of this research is that diversification of financing based on the economic sector has no effect on profitability but affects risk in reducing default. This research has implications for reducing the risk of default in Islamic banking, marked by the performance and quality of Islamic banking financing getting better.https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/388diversificationfinancingprofitablerisk |
| spellingShingle | Muhammad Khozin Ahyar Efek Diversifikasi Pembiayaan Sektor Ekonomi Terhadap Profitabilitas Dan Risiko Bank Syariah Di Indonesia Jurnal Perbankan Syariah diversification financing profitable risk |
| title | Efek Diversifikasi Pembiayaan Sektor Ekonomi Terhadap Profitabilitas Dan Risiko Bank Syariah Di Indonesia |
| title_full | Efek Diversifikasi Pembiayaan Sektor Ekonomi Terhadap Profitabilitas Dan Risiko Bank Syariah Di Indonesia |
| title_fullStr | Efek Diversifikasi Pembiayaan Sektor Ekonomi Terhadap Profitabilitas Dan Risiko Bank Syariah Di Indonesia |
| title_full_unstemmed | Efek Diversifikasi Pembiayaan Sektor Ekonomi Terhadap Profitabilitas Dan Risiko Bank Syariah Di Indonesia |
| title_short | Efek Diversifikasi Pembiayaan Sektor Ekonomi Terhadap Profitabilitas Dan Risiko Bank Syariah Di Indonesia |
| title_sort | efek diversifikasi pembiayaan sektor ekonomi terhadap profitabilitas dan risiko bank syariah di indonesia |
| topic | diversification financing profitable risk |
| url | https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/388 |
| work_keys_str_mv | AT muhammadkhozinahyar efekdiversifikasipembiayaansektorekonomiterhadapprofitabilitasdanrisikobanksyariahdiindonesia |