The Effect of Murabahah and Musyarakah Financing on Net Profit with Third Party Funds as a Moderating Variable at Bank 9 Jambi Syariah

Abstract

### Abstract This study, titled "The Effect of Murabahah and Musyarakah Financing on Net Profit with Third Party Funds as a Moderating Variable at Bank 9 Jambi Syariah," aims to determine and analyze the impact of Murabahah financing on net profit at Bank 9 Jambi Syariah. Additionally, it seeks to examine the effect of Musharakah financing on net profit and to investigate whether third-party funds moderate these relationships. The research employs a quantitative descriptive analysis method, utilizing Moderated Regression Analysis (MRA). The study focuses on Bank 9 Jambi Syariah, analyzing data from the years 2012 to 2022. The results indicate that both Murabahah and Musharakah financing significantly affect net profit. However, while third-party funds do not moderate the effect of Murabahah financing on net profit, they do moderate the effect of Musharakah financing on net profit.