The Effect of The Profit-Sharing System on Customers’ Interest in Islamic Banks

Al Insani Mutiara Ramadhan; Wahyu Febri Ramadhan Sudirman

doi:10.63453/jfb.v2i2.68

Authors

Al Insani Mutiara Ramadhan Universitas Pahlawan Tuanku Tambusai
Wahyu Febri Ramadhan Sudirman Universitas Pahlawan Tuanku Tambusai

DOI:

https://doi.org/10.63453/jfb.v2i2.68

Keywords:

profit-sharing system; customer interest; islamic banks; islamic banking

Abstract

This study aims to analyze the effect of the profit-sharing system on customers’ interest in Islamic banks. The profit-sharing system is a fundamental characteristic that distinguishes Islamic banking from conventional banking and plays an important role in attracting customers who seek financial services based on sharia principles. This research employs a quantitative approach using primary data collected through questionnaires distributed to Islamic bank customers. The sampling technique used is purposive sampling, with respondents selected based on specific criteria relevant to the research objectives. Data analysis is conducted using statistical methods to examine the relationship between the profit-sharing system and customers’ interest. The results indicate that the profit-sharing system has a positive and significant effect on customers’ interest in Islamic banks. This finding suggests that a transparent, fair, and well-implemented profit-sharing mechanism can enhance customers’ willingness to use Islamic banking products. Therefore, Islamic banks are encouraged to continuously improve the implementation and communication of the profit-sharing system in order to strengthen customer interest and competitiveness in the banking industry. banking sector.

Downloads

Download data is not yet available.

Author Biography

Wahyu Febri Ramadhan Sudirman, Universitas Pahlawan Tuanku Tambusai

References

’Aini, N. Q., Rahayu, S. A., Wahdiat, I. S., & Mardi, M. (2025). The Effect of Inflation, BI Rate, and Profit-Sharing Rate on NPF in Islamic Banks. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 8(2), 6992–7005. https://doi.org/10.31538/iijse.v8i2.7157

Abdullah, M., & Rahman, A. A. (2021). Profit-sharing contracts and customer trust in Islamic banking. Journal of Islamic Accounting and Business Research, 12(4), 567–583.

Alam, N., & Parinduri, R. A. (2020). Risk-sharing and stability in Islamic banking. Pacific-Basin Finance Journal, 62, 101354.

Amin, H., Rahman, A. R. A., & Razak, D. A. (2022). Determinants of customer intention to use Islamic banking products. Journal of Islamic Marketing, 13(5), 1152–1170.

Baber, H. (2023). Customer perception and Islamic banking adoption: Evidence from emerging markets. Sustainability, 15(4), 3021.

Echchabi, A., & Olaniyi, O. (2021). Islamic banking products and customer loyalty: The mediating role of trust. ISRA International Journal of Islamic Finance, 13(2), 201–218.

Fattah, A., Handayani, M., & Kadriyani, E. (2025). Analisis nisbah bagi hasil pada PT. Bank Syariah Indonesia Tbk. Jurnal Ilmiah Akuntansi, 12(02).

Ghozali, I. (2018). Aplikasi analisis multivariate dengan program IBM SPSS. Semarang: Universitas Diponegoro.

Hidayat, H. (2025). The effectiveness of the profit-sharing system in Islamic banking versus the interest system in conventional banking. Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah, 9(2), 191–200. https://doi.org/10.33379/jihbiz.v9i2.6982

Insiyah, C., & Fitriani, N. E. (2025). Pengaruh strategi digital marketing dan tingkat bagi hasil akad mudharabah terhadap minat nasabah tabungan haji Indonesia di Bank Syariah Indonesia. Jurnal Masharif Al-Syariah, 10(2). https://doi.org/10.30651/jms.v10i2.25973

Khan, M. K., & Rabbani, M. R. (2022). Profit-and-loss sharing and Islamic bank performance. Borsa Istanbul Review, 22(3), 623–632.

Mohamad, F., & Pakawaru, I. (2024). Persepsi bagi hasil, produk, dan religiusitas terhadap minat menabung pasca merger bank syariah pada generasi Z berdasarkan gender. Jariyah: Jurnal Ilmu Akuntansi dan Keuangan Syariah, 1(1), 72–90. https://doi.org/10.24239/jariyah.v1i1.2887.72-90

Mustika, D., & Dariati, A. M. (2025). Pemahaman Bunga dan Bagi Hasil sebagai Penentu Minat Mahasiswa terhadap Lembaga Keuangan Syariah. Jurnal Tabarru': Islamic Banking and Finance. https://doi.org/10.25299/jtb.2025.vol8(2).25292

Naeem, M., & Ozuem, W. (2021). Islamic banking and customer engagement. Journal of Financial Services Marketing, 26(3), 149–162.

Rafay, A., & Sadiq, R. (2021). Islamic banking growth and financial inclusion. Global Finance Journal, 49, 100548.

Rahmah, Z. Z. (2025). The evolution of Islamic banking in Indonesia. JAKI: Journal of Accounting and Islamic Finance.

Ramadhan, M., Mubarak, Z., & Aisyah, L. (2022). Analisis bagi hasil, kualitas pelayanan, dan minat nasabah dalam menggunakan produk deposito syariah. FINANSIA, 5(2), 161–174. https://doi.org/10.32332/finansia.v5i2.5368

Raza, S. A., Shah, N., & Ali, M. (2022). Factors affecting adoption of Islamic banking. Heliyon, 8(6), e09615.

Sari, A. F. (2025). Analisis faktor-faktor yang mempengaruhi minat deposito syariah. Jurnal Ekonomi Islam.

Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta.

Yıldırım, R., & Öztürk, H. (2020). Islamic banking and financial stability: Evidence from emerging economies. International Journal of Islamic and Middle Eastern Finance and Management, 13(4), 589–607.