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FINANCING GROWTH AND BANK RISK: EMPIRICAL EVIDENCE FROM INDONESIA Wastuti, Wahyu; Prasetyowati, Riris Aishah; Anggraini, Ratna
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 1 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i1.7442

Abstract

This study examines the crucial issue of the impact of financing growth on various dimensions of Islamic Banks in Indonesia. The growth of financing affects bank risk, profitability, and solvency. The main objective explains the relationship between financing growth and key performance indicators. The study uses ROA for profitability, EQTA for capital adequacy, NPF for bank risk, and the natural logarithm of Total Assets as a proxy for bank size. LIQD and CIR are included as additional variables to provide a more comprehensive analysis. Data for the period Q1 2012 to Q4 2020, obtained from the publication report on the OJK website. Using multiple linear regression, the findings showed a negative relationship between bank risk and financing growth. In addition, the growth of financing has a positive effect on both profitability and solvency of banks. This confirms the importance of prudential principles to optimize risk management strategies, especially in the context of a growing role in financing growth in Islamic banks.
Transformasi Kebijakan Bantuan Sosial Menuju Peningkatan Kesejahteraan Masyarakat Miskin melalui Integrasi Perspektif Maqasid al-Syariah Faiqoh, Fadhila; Prasetyowati, Riris Aishah; Sujoko, Imam
Prediksi : Jurnal Administrasi dan Kebijakan Vol 25, No 1 (2026)
Publisher : Universitas 17 Agustus 1945 Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31293/pd.v25i1.9429

Abstract

The Non-Cash Food Assistance (BPNT) and Prosperous Rice (Rastra) programs are designed as policy instruments to improve the welfare of the poor, but their effectiveness requires an in-depth evaluation from the perspective of sharia maqashid. Through a quantitative approach involving 100 respondents using a systematic random sampling technique in Tanjung Harapan Village, Kotabumi, North Lampung, this study reveals the dynamics of the aid distribution mechanism and its impact on community welfare. Data was collected through interviews and questionnaires, then analyzed using SmartPLS to evaluate measurement and structural models. The findings identified serious problems in the form of uneven distribution, inaccuracy of recipient targets, and administrative weaknesses that hinder the effectiveness of the program. However, the integration of the perspective of sharia maqashid showed a very significant positive influence with a path coefficient of 0.817 between political policy and sharia maqashid, and 0.822 between sharia maqashid and welfare. The implementation of BPNT and Rastra has been proven to contribute to the protection of life, heredity, intellect, and religious aspects, although the aspect of asset protection still needs improvement. The findings confirm that social assistance policies that are in line with the principles of sharia maqashid have a strong and sustainable impact, so comprehensive improvements are needed to the data collection system, transparency of distribution, and integration with economic empowerment programs.