Comparative analysis of mudharabah and musyarakah financing at bank syariah indonesia: evidence from the post-merger period (2021-2024)
Keywords:
Financing Dominance, Index Development, Mudharabah, Musyarakah, Financing GrowthAbstract
The growth of profit sharing-based financing in Islamic banking particularly Mudharabah and Musyarakah financing is occurred at Bank Syariah Indonesia in 2021-2024. This study aims to examine and analyze the growth, proportion, index development, and dominance of Mudharabah and Musyarakah financing at Bank Syariah Indonesia in 2021-2024 period. This study used descriptive quantitative method with secondary data which was obtained from Bank Syariah Indonesia’s annual report in 2021-2024. The analysis techniques which were used included financing growth analysis, financing proportion, index development and financing dominance. The results of this study showed that Mudharabah and Musyarakah financing had different pattern development. Mudharabah financing experienced fluctuative growth, because it declined before rebounding in subsequent period. Musyarakah financing showed more stable and consistent growth. In the terms of proportion and index development, Musyarakah financing had better contribution and development which was compared to Musyarakah financing. Additionally, Musyarakah financing was the most dominant in structure financing profit sharing-based at Bank Syariah Indonesia in 2021-2024. Musyarakah financing had better development and more dominant which was compared to Mudharabah financing.
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