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Impact Of Bank-Spescific Factors and Macroeconomic Indicators on Financial Stability of Islamic Rural Bank in West Java Qist Nadzifa; Muhamad Umar Mai; Iwan Setiawan; Neneng Nuryati
Journal of Applied Islamic Economics and Finance Vol. 6 No. 2 (2026): Journal of Applied Islamic Economics and Finance (February 2026)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i2.7222

Abstract

This study aims to analyze the components that affect the financial stability of Islamic Rural Banks (BPRS). This study uses a quantitative approach by relying on secondary data in the form of BPRS financial statements published on the Financial Services Authority website. The sample used in this study consisted of 27 BPRS operating in West Java during the period 2013-2023, which were selected by purposive sampling method. To analyze the data, this study uses the panel data regression method so that it is possible to test the effect of bank-specific factors and macroeconomic indicators on the financial stability of BPRS. The findings of this study indicate that bank size and NPF have a significant negative effect on the financial stability of BPRS. While GDP growth and open unemployment rate have no effect on the financial stability of BPRS.