Keywords
mudharabah contract
Islamic banking
How to Cite
Abstract
This study aims to develop a systematic literature review on the implementation of mudharabah financing in Islamic banking and to identify future research directions to strengthen the contribution of the Islamic financial system to sustainable economic development. The main variables used include the number of publications, affiliated institutions, dominant keywords, multidisciplinary topics (such as economics, law, financial technology, and risk management), and the annual publication increase trend. The method used is PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) by analyzing some articles obtained through the OpenAlex database. The analysis was conducted using a quantitative bibliometric approach, including mapping publication trends, citation analysis, and identifying thematic clusters using software such as VOSviewer or R-Bibliometrix, to explore patterns and relationships between variables. The results show a significant increase in the number of publications related to mudharabah contracts between 2015 and 2025. Higher education institutions and academic journals have shown significant interest in the topic of profit-sharing financing, especially in the context of product innovation and sharia compliance. Furthermore, research on mudharabah is increasingly developing into a multidisciplinary approach, involving economics, law, financial technology, and Islamic banking risk management. Future research is expected to focus on integrating mudharabah with digital literacy, inclusive financial policies, customer behavior, and the technological transformation of Islamic banking. With a growing number of articles, research in this area has the potential to strengthen the Islamic banking system's contribution to equitable and sustainable economic development
References
Ahmad Kamil Ihsani, A. H. (2023). Implementation Of Mudharabah Contract On Sharia Bank Financing Products In Indonesia. Ilmiah Keagamaan Dan Kemasyarakatan, 17(1).
Al Jawi, A., Siregar, S., & Sugianto, S. (2022). Mitigasi Pembiayaan Mudharabah Perbankan Syariah di Indonesia Melalui Pendayagunaan Cash Waqf Fund. BISNIS Jurnal Bisnis Dan Manajemen Islam, 10(1), 175. https://doi.org/10.21043/bisnis.v10i1.13429
Amelia Azzahra, M. U. (2025). Implementation Of Mudharabah Agreement In Tabah Products Within The Framework Of Islamic Principles Of Justice And Economic Profit Sharing At Bmt Nu Purwoharjo Branch, Banyuwangi. 24(1), 182–192.
Andiyansari, C. (2020). Akad Mudharabah dalam Perspektif Fikih dan Perbankan Syariah. 3(2), 42–54.
Anggraini, Y., Ummah, R., & Suryaningsih, R. (2019). Eksistensi Perbankan Syariah pada Lembaga Berbasis Agama Islam di Ponorogo. 3(1), 216–225.
Annizar, R. A., & Junarsin, E. (2025). Mudharabah , musyarakah , financing risk , and performance of Islamic banks : Empirical evidence from Indonesia. 11(1), 131–142. https://doi.org/10.20885/JEKI.vol11.iss1.art9
Aplikasi Mudharabah Dalam Perbankan Syariah Di Indonesia. (2013). Jurnal Ekonomika Bisnis, 04(01). https://doi.org/10.22219/jekobisnis.v4i1.2242
Aslan, H., Azwan, H., & Abdullah, B. (n.d.). Challenges in the Implementation of Mudharabah Financing in the Islamic Banking Industry. 11(1), 1–23. https://doi.org/10.488064/equinox.1341793
Bank, I. (2023). EXPLORING MORAL HAZARD AND ADVERSE SELECTION IN PROFIT SHARING Article history : Keywords : Moral Hazard ; Adverse Selection ; 34, 1–16.
Budianto, E. (2022). Pemetaan Penelitian Akad Mudharabah Pada Lembaga Keuangan Syariah: Studi Bibliometrik Vosviewer Dan Literature Review. J-EBIS (Jurnal Ekonomi Dan Bisnis Islam), 43–68. https://doi.org/10.32505/j-ebis.v7i1.3895
Damayanti, A. S., & Dewi, V. S. (2021). Pengaruh Pembiayaan Syariah terhadap Profitabilitas Bank Umum Syariah di Indonesia. Borobudur Accounting Review, 1(2), 128–136. https://doi.org/10.31603/bacr.5926
Fetscherin, M., & Heinrich, D. (2015). Consumer brand relationships research: A bibliometric citation meta-analysis. Journal of Business Research, 68(2), 380–390.
Flórez Martínez, D. H. (2024). Vigilancia científica sobre calidad e inocuidad de alimentos.
Fortunato, S., Bergstrom, C. T., Börner, K., Evans, J. A., Helbing, D., Milojević, S., Petersen, A. M., Radicchi, F., Sinatra, R., & Uzzi, B. (2018). Science of science. Science, 359(6379), eaao0185.
Glänzel, W., & Schubert, A. (2004). Analysing scientific networks through co-authorship. In Handbook of quantitative science and technology research: The use of publication and patent statistics in studies of S&T systems (pp. 257–276). Springer.
Hafiz, A. P., Latif, M., Muhammad, P., & Umar, M. H. (2025). Analysis of the Indonesian Banking System : A Comparison Between Conventional and Sharia Banks. 8(2), 278–292. https://doi.org/10.58824/mediasas.v8i2.300
Handrisusanto, S., & Kunci, K. (2024). Kedudukan Bank Syariah sebagai Lembaga Keuangan dalam Perspektif Islam. 3(1), 88–96.
Hanif, M. (2014). Islamic Finance: Theory and Practice. Fundamentals of Islamic Finance.
Hidayatullah, M. S., & Banjarmasin, U. I. N. A. (2020). Implementasi Akad Berpola Kerja Sama Dalam Produk Keuangan Di Bank Syariah ( Kajian Mudharabah dan Musyarakah dalam Hukum Ekonomi Syariah ). 7(I), 34–41.
Hukum, T., Pembiayaan, A., Di, M., & Syariah, P. (2024). Unizar Law Review. 7(1), 68–76.
Husna, F., Sari, M., SY, T., & Alfin, H. (2025). Akad Mudharabah dalam Fiqh Mualamah Kontemporer Study Literatur Hasil Penelitian di Indonesia. Jurnal Ilmu Manajemen Ekonomi Dan Kewirausahaan, 5(2), 390–405. https://doi.org/10.55606/jimek.v5i2.6290
Ibrahim, E., Akbar, W., Mujiburohman, M., & Rahima, D. (2023). Mudharabah Contract as Economic Strengthening in Indonesia (Literature Study on Islamic Financial Institutions and Community Economic Activities). JURNAL AL-QARDH, 8(1), 52–63. https://doi.org/10.23971/jaq.v8i1.6654
Köseoglu, M. A., Okumus, F., Putra, E. D., Yildiz, M., & Dogan, I. C. (2019). Conceptual structure of lodging-context studies: 1990-2016. Journal of Hospitality & Tourism Research, 43(4), 573–594.
Mutya, S., Mawarti, I. P., Khasanah, D. W., Munandar, H., Hayati, I., & Utara, M. S. (2025). Mudharabah Contract In Islamic Economic. 6(1), 1383–1393.
Nasrah, H. (2017). Analisis Akad Mudharabah di Perbankan Syariah. JURNAL AL-IQTISHAD, 11(1), 16. https://doi.org/10.24014/jiq.v11i1.3120
Nursiah, A., Sari, B. N., Firdausi, D. R., & Ria, D. Y. (2022). As-Syirkah : Islamic Economics & Finacial Journal. 1, 133–147. https://doi.org/10.56672/assyirkah.v1i2.24
Qurrata, V., Yusida, E., Seprillina, L., & Purnamasari, V. (2021). The Determinant Of Mudharabah Deposit Sharing Profit In Indonesian Islamic Banking. Advanced International Journal of Banking Accounting and Finance, 3(6), 37–50. https://doi.org/10.35631/aijbaf.36004
Robinson-Garcia, N., Corona-Sobrino, C., Chinchilla-Rodríguez, Z., Torres-Salinas, D., & Costas, R. (2025). The use of informetric methods to study diversity in the scientific workforce: A literature review. Quantitative Science Studies, 1–34.
Roziq, A., & Sukarno, H. (2021). The Effect of Islamic Financing Schemes on Risk and Financing Performance in Islamic Banks in Indonesia. 10(148), 17–34.
Salman, K., & Djunaedi, A. (2023). Key Success Factors in the Trust Metaphor Framework for Profit Sharing Contracts: A Literature Review. Journal of Islamic Economic and Business Research, 3(2), 243–255. https://doi.org/10.18196/jiebr.v3i2.123
Sapar, S., Nonji, N., & Syafitri, H. (2016). Pengaruh Risiko Pembiayaan Mudharabah Terhadap Profitabilitas Pada Pt. Bank Syariah Muamalat Indonesia Tbk. Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo, 1(1).
Sari, D. H., Octaviana, W. A., & Apriani, E. S. (2023). Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah Terhadap Profitabilitas. Jesya, 6(1), 649–660. https://doi.org/10.36778/jesya.v6i1.972
Sari, N., Ibrahim, A., Muzammil, M., & Muksal, M. (2024). Managing financing risk of Islamic banking products in Indonesia: A value at risk approach. Available at SSRN 4905902.
Siti Nur Shoimah, Dyah Ochtirina Susanti, R. I. T. (2020). Karakteristik Akad Mudharabah Pada Transaksi Penyimpanan Dana Nasabah di Bank Syariah. Risalah Hukum, 16(1).
Sobarna, N. (2021). Analisis Perbedaan Perbankan Syariah DenganPerbankan Konvensional. 3(10), 51–62.
Sovita, I., & Gustriani, H. (2025). Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah Terhadap Profitabilitas Bank Umum Syariah Periode 2020-2023. Jurnal Akuntansi Keuangan Dan Perpajakan| E-ISSN: 3063-8208, 1(3), 392–404.
Supandi, A. (2019). Optimalisasi Akad Mudharabah Dalam Perbankan Syariah. Jurnal Istiqro, 5(1), 72. https://doi.org/10.30739/istiqro.v5i1.343
Syathori, A., & Syathori, A. (2020). Syariah Mandiri Di Kcp Indramayu. 3(2), 29–43.
Sylvia, H. (2014). Pembiayaan Mudharabah (Bagi Hasil) Antara Perbankan Syari’ah Dengan Kajian Fiqih. Al-Risalah, 4(2), 14–31. https://doi.org/10.34005/alrisalah.v4i2.379
Wahyu, E., Budianto, H., Islam, U., Maulana, N., & Ibrahim, M. (2023). Pemetaan Penelitian Akad Mudharabah Pada Lembaga Keuangan Syariah : Pemetaan Penelitian Akad Mudharabah Pada Lembaga Keuangan Syariah : Studi Bibliometrik Vosviewer Dan. July. https://doi.org/10.32505/j-ebis.v7i1.3895
Yadav, P., & Barha, P. (2025). The Crucial Contribution of Financial Institutions in Economic Growth and Social Transformation : An Analytical Perspective. 03(02), 96–100.
Yan, E., & Ding, Y. (2012). Scholarly network similarities: How bibliographic coupling networks, citation networks, cocitation networks, topical networks, coauthorship networks, and coword networks relate to each other. Journal of the American Society for Information Science and Technology, 63(7), 1313–1326.
Yustiardhi, A., Diniyya, A., Faiz, F., Subri, N., & Kurnia, Z. (2020). Issues and Challenges of the Application of Mudarabah and Musharakah in Islamic Bank Financing Products. Journal of Islamic Finance, 9(2), 26–41. https://doi.org/10.31436/jif.v9i2.482
Yusuf, J., Oladapo, R., Ismail, A., & Tunde, M. (2024). The Impact of Islamic Banking on Redistribution of Sustainable Income. 5(2), 352–367.
Zaidi, M. (2024). Linguistic Clarity in Mudharabah Contracts: Ensuring Transparency and Fairness in Indonesian Islamic Financial Institutions. Journal of Languages and Language Teaching, 12(2), 708–722.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Copyright (c) 2026 Annadia Hidayah, Destiana Mahmudatul, Moh Rafi Akbar, Ahmad Maulana Kholil, Muchammad Bagus Ramadhan