Mediation effects
| Model | Direct (c') | Indirect (ab) | Effect |
|---|---|---|---|
| Market concentration → Mudharabah → ROA | 0.29*** | 0.09 | No |
| Market concentration → Mudharabah → ROE | 0.32*** | 0.09 | No |
| Market share → Mudharabah → ROA | 0.20** | 0.20** | Partial |
| Market share → Mudharabah → ROE | 0.52*** | 0.21* | Partial |
| Market concentration → Musharakah → ROA | 0.29*** | 0.07 | No |
| Market concentration → Musharakah → ROE | 0.32*** | 0.07 | No |
| Market share → Musharakah → ROA | 0.20** | −0.29*** | Competitive |
| Market share → Musharakah → ROE | 0.52*** | −0.27*** | Competitive |
| Model | Direct ( | Indirect ( | Effect |
|---|---|---|---|
| Market concentration → Mudharabah → ROA | 0.29*** | 0.09 | No |
| Market concentration → Mudharabah → ROE | 0.32*** | 0.09 | No |
| Market share → Mudharabah → ROA | 0.20** | 0.20** | Partial |
| Market share → Mudharabah → ROE | 0.52*** | 0.21* | Partial |
| Market concentration → Musharakah → ROA | 0.29*** | 0.07 | No |
| Market concentration → Musharakah → ROE | 0.32*** | 0.07 | No |
| Market share → Musharakah → ROA | 0.20** | −0.29*** | Competitive |
| Market share → Musharakah → ROE | 0.52*** | −0.27*** | Competitive |
Notes: *10, **5 and ***1 percent
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