The Influence of Macroeconomic Indicators on Non-Performing Financing in Islamic Banking Using Mudharabah, Musharakah, and Murabahah Contracts

Authors

  • Fandi Achmad Syarif Institut Agama Islam Tazkia, Indonesia
  • Rifki Ismail Institut Agama Islam Tazkia, Indonesia
  • Zulkarnain Muhammad Ali Institut Agama Islam Tazkia, Indonesia

DOI:

https://doi.org/10.59141/jiss.v6i1.1590

Keywords:

Macroeconomic Indicators, Non-Performing Financing, Islamic Banking, Mudharabah, Musyarakah, Murabahah

Abstract

This research aims to analyze the influence of macroeconomic indicators on non-performing financing in Islamic banking with Mudharabah, Musyarakah, and Murabahah contracts. This research uses a quantitative approach with the VAR/VECM method. The research data covers the years 2015 - 2018 and includes all Islamic banks in Indonesia. The research results indicate that the macroeconomic indicators that influence and determine non-performing financing, based on Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD) tests, are as follows: for Mudharabah financing, Inflation, Industrial Production Index, and Exchange Rate according to IRF, and Inflation and Exchange Rate according to FEVD; for Musyarakah financing, Money Supply according to IRF, and Inflation according to FEVD; and for Murabahah financing, Inflation and Money Supply according to IRF, and Industrial Production Index, Exchange Rate, and Money Supply according to FEVD.

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Published

2025-01-25

How to Cite

Syarif, F. A., Ismail, R., & Ali, Z. M. (2025). The Influence of Macroeconomic Indicators on Non-Performing Financing in Islamic Banking Using Mudharabah, Musharakah, and Murabahah Contracts. Jurnal Indonesia Sosial Sains, 6(1), 82–101. https://doi.org/10.59141/jiss.v6i1.1590

Issue

Vol. 6 No. 1 (2025): Jurnal Indonesia Sosial Sains

Section

Articles

License

Copyright (c) 2025 Fandi Achmad Syarif, Rifki Ismail, Zulkarnain Muhammad Ali

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