Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach
Islamic banking in Indonesia has experienced rapid growth in recent years, in line with the increasing public awareness of fair and sustainable Islamic economic principles. The mudharabah contract, as one of the core profit-sharing products in Islamic banking, holds significant potential in support...
Saved in:
| Main Authors: | , , |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Universitas KH Abdul Chalim, Prodi Ekonomi Syariah
2025-07-01
|
| Series: | Indonesian Interdisciplinary Journal of Sharia Economics |
| Subjects: | |
| Online Access: | https://e-journal.uac.ac.id/index.php/iijse/article/view/7901 |
| Tags: |
Add Tag
No Tags, Be the first to tag this record!
|
| _version_ | 1839613757904388096 |
|---|---|
| author | Ririn Anjani Rangkuti Yenni Samri Juliati Nasution Tuti Anggraini |
| author_facet | Ririn Anjani Rangkuti Yenni Samri Juliati Nasution Tuti Anggraini |
| author_sort | Ririn Anjani Rangkuti |
| collection | DOAJ |
| description |
Islamic banking in Indonesia has experienced rapid growth in recent years, in line with the increasing public awareness of fair and sustainable Islamic economic principles. The mudharabah contract, as one of the core profit-sharing products in Islamic banking, holds significant potential in supporting real sector financing, particularly for MSMEs. However, data from PT Bank Sumut Syariah for the 2019-2023 period indicates a declining trend in the proportion of mudharabah financing, reflecting strategic challenges such as moral hazard risks, information asymmetry, and the bank’s preference for lower-risk contracts like murabahah. This study aims to formulate strategies to enhance the mudharabah financing portfolio at PT Bank Sumut Syariah in Medan using the Analytic Network Process (ANP) method. Data were collected through in-depth interviews with experts, regulators, and practitioners involved in mudharabah financing. The findings reveal that the factors contributing to the fluctuation and relatively low share of mudharabah financing compared to other contracts are divided into two main aspects: internal and external. To address these challenges, one effective solution is to provide training for MSME actors to improve their skills and capabilities. The top priority strategies include: maximizing the implementation of mudharabah, strengthening the capital portfolio, accurate market segmentation, establishing a risk guarantee institution, conducting education and outreach programs, and fostering partnerships with external mentoring organizations.
|
| format | Article |
| id | doaj-art-94eaf7af48ad43b787029bde48829090 |
| institution | Matheson Library |
| issn | 2621-606X |
| language | English |
| publishDate | 2025-07-01 |
| publisher | Universitas KH Abdul Chalim, Prodi Ekonomi Syariah |
| record_format | Article |
| series | Indonesian Interdisciplinary Journal of Sharia Economics |
| spelling | doaj-art-94eaf7af48ad43b787029bde488290902025-07-26T16:49:12ZengUniversitas KH Abdul Chalim, Prodi Ekonomi SyariahIndonesian Interdisciplinary Journal of Sharia Economics2621-606X2025-07-018310.31538/iijse.v8i3.7901Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) ApproachRirin Anjani Rangkuti0Yenni Samri Juliati Nasution1Tuti Anggraini2Universitas Islam Negeri Sumatera Utara, Medan, IndonesiaUniversitas Islam Negeri Sumatera Utara, Medan, IndonesiaUniversitas Islam Negeri Sumatera Utara, Medan, Indonesia Islamic banking in Indonesia has experienced rapid growth in recent years, in line with the increasing public awareness of fair and sustainable Islamic economic principles. The mudharabah contract, as one of the core profit-sharing products in Islamic banking, holds significant potential in supporting real sector financing, particularly for MSMEs. However, data from PT Bank Sumut Syariah for the 2019-2023 period indicates a declining trend in the proportion of mudharabah financing, reflecting strategic challenges such as moral hazard risks, information asymmetry, and the bank’s preference for lower-risk contracts like murabahah. This study aims to formulate strategies to enhance the mudharabah financing portfolio at PT Bank Sumut Syariah in Medan using the Analytic Network Process (ANP) method. Data were collected through in-depth interviews with experts, regulators, and practitioners involved in mudharabah financing. The findings reveal that the factors contributing to the fluctuation and relatively low share of mudharabah financing compared to other contracts are divided into two main aspects: internal and external. To address these challenges, one effective solution is to provide training for MSME actors to improve their skills and capabilities. The top priority strategies include: maximizing the implementation of mudharabah, strengthening the capital portfolio, accurate market segmentation, establishing a risk guarantee institution, conducting education and outreach programs, and fostering partnerships with external mentoring organizations. https://e-journal.uac.ac.id/index.php/iijse/article/view/7901ANP, Mudharabah Financing, Portfolio Strategy, PT Bank Sumut Syariah |
| spellingShingle | Ririn Anjani Rangkuti Yenni Samri Juliati Nasution Tuti Anggraini Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach Indonesian Interdisciplinary Journal of Sharia Economics ANP, Mudharabah Financing, Portfolio Strategy, PT Bank Sumut Syariah |
| title | Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach |
| title_full | Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach |
| title_fullStr | Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach |
| title_full_unstemmed | Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach |
| title_short | Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach |
| title_sort | strategic efforts to enhance the mudharabah financing portfolio at pt bank sumut syariah medan through the analytic network process anp approach |
| topic | ANP, Mudharabah Financing, Portfolio Strategy, PT Bank Sumut Syariah |
| url | https://e-journal.uac.ac.id/index.php/iijse/article/view/7901 |
| work_keys_str_mv | AT ririnanjanirangkuti strategiceffortstoenhancethemudharabahfinancingportfolioatptbanksumutsyariahmedanthroughtheanalyticnetworkprocessanpapproach AT yennisamrijuliatinasution strategiceffortstoenhancethemudharabahfinancingportfolioatptbanksumutsyariahmedanthroughtheanalyticnetworkprocessanpapproach AT tutianggraini strategiceffortstoenhancethemudharabahfinancingportfolioatptbanksumutsyariahmedanthroughtheanalyticnetworkprocessanpapproach |