Profitabilitas Bank Umum Syariah di Indonesia: Tabungan Wadiah dan Giro Wadiah

Rozikin, Mochammad Ainur, Wardana, Guntur Kusuma ORCID: https://orcid.org/0000-0001-7901-1228 and Barlian, Noer Aisyah (2025) Profitabilitas Bank Umum Syariah di Indonesia: Tabungan Wadiah dan Giro Wadiah. J-MABES: Jurnal Manajemen, Akuntansi, Bisnis dan Studi Ekonomi Syariah, 3 (2). pp. 38-49. ISSN 2503-1929

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Abstract

Banks are considered to be able to manage their operations well in the event
of an increase in profit (profitability). Profitability is an important aspect
that needs to be analyzed because it serves as an indicator of the bank's
success in carrying out the role of intermediation of public funds. Therefore,
Islamic banks need to increase their profitability. Factors such as wadiah
savings, wadiah current accounts, are considered to be able to contribute to
a sustainable increase in profitability, because they reflect the bank's ability
to manage financial risks, fulfill obligations, and optimize the use of its
assets.
The purpose of the study was to determine the effect of wadiah savings and
wadiah current account on profitability with profit-sharing financing and
non-profit-sharing financing as control variables.
The research method used is quantitative with a descriptive approach. The
population of 14 sharia commercial banks in Indonesia will be registered
with the OJK in 2024, with purposive sampling techniques obtained by 8
sharia commercial banks as samples. The data used is secondary data taken
from financial statements on the official website of each Islamic commercial
bank during the 2013-2024 period. The analysis was carried out using the
panel data method and using Eviews 13.
The results show that wadiah savings, wadiah savings partially affect the
profitability of Islamic commercial banks in Indonesia. Simultaneously,
wadiah savings and wadiah current accounts affect the profitability of
Islamic commercial banks in Indonesia.

Item Type:	Journal Article
Keywords:	Non-Profit Sharing Financing, Profit Sharing Financing, Profitability, Wadiah Current Account, Wadiah Savings.
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150299 Banking, Finance and Investment not elsewhere classified
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Guntur Kusuma Wardana
Date Deposited:	15 Jan 2026 14:13

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