Overcoming Asymmetric Information With A Profitsharing System At Islamic Bank: Acceleration Of Theory And Practice
Journal Title: Journal of Economics, Finance and Management Studies - Year 2023, Vol 6, Issue 08
Abstract
This study aims to examine the profit-sharing system in Islamic banks in overcoming the adverse selection issue and the practice of implementing the profit-sharing system. In this study, evaluative and descriptive methods were used. The results of this study indicate that theoretically the issue of asymmetric information can be overcome by a profit-sharing system in Islamic banks. In practice, the profit-sharing system has been implemented at Bank NTB Syariah as a superior product in productive financing. The market share of the profit-sharing system at Bank NTB Syariah was at 64.73 percent in 2019 and increased to 68.55 percent in 2020 with a growth of 35.78 percent. The Covid-19 pandemic does not significantly affect the health condition of Bank NTB Syariah where Bank NTB Syariah remains relatively healthy before and after the Covid-19 pandemic.
Authors and Affiliations
Muaidy Yasin, Lalu Muh. Kabul, Lalu Edy Herman, Ali Akbar Hidayat, Muhdin
Keywords
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- EP ID EP727263
- DOI 10.47191/jefms/v6-i8-02
- Views 46
- Downloads 0
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