Nurhikma, Nurhikma and Junaidi, Junaidi and Sultan, Sultan Influence of Murabahah and Musyarakah Financing on the Financial Performance of Palopo MSMEs. Influence of Murabahah and Musyarakah Financing on the Financial Performance of Palopo MSMEs, 7 (1). pp. 919-930. ISSN 2721-267X
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Abstract
Purpose: This study aims to analyze the effect of murabahah and musyarakah financingon the financial performance of Micro, Small, and Medium Enterprises (MSMEs) inPalopoCity. Methodology: The research employs a quantitative approach using asurveymethod by distributing questionnaires to 130 respondents selected through purposivesampling. Data were analyzed using validity and reliability tests, classical assumptiontests, and multiple linear regression with SPSS software. Results: The results showthat both murabahah and musyarakah financing have a positive and significant effect onMSMEs' financial performance, both partially and simultaneously. Findings: The mainfindings indicate that musyarakah financing has a more dominant influence comparedtomurabahah, as its profit-sharing mechanism enhances business efficiency, productivity, and financial stability. Novelty & Originality: The novelty of this study lies in its specificfocus on evaluating the effectiveness of two Islamic financing contracts in improvingMSMEs' financial performance within a local context, which remains limitedinpriorresearch. The originality is strengthened by the integration of empirical analysis basedonprimary data and the simultaneous testing of both contracts within a single analytical model. Conclusions: In conclusion, optimizing murabahah and musyarakah financingisan effective strategy to improve MSMEs' financial performance, although other external factors also contribute to performance outcomes. Type of Paper: This paper is anempirical research paper
| Item Type: | Article | |||||||||
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| Uncontrolled Keywords: | Murabahah, Musyarakah, Financial Performance, MSMEs | |||||||||
| Subjects: | L Education > L Education (General) | |||||||||
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi | |||||||||
| Depositing User: | Nurhikma - | |||||||||
| Date Deposited: | 21 Oct 2026 02:02 | |||||||||
| Last Modified: | 21 Oct 2026 02:02 | |||||||||
| URI: | http://repository.umpalopo.ac.id/id/eprint/6832 |
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