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All Journal Implementasi Manajemen & Kewirausahaan Jurnal Manajemen
Chandra Zaky Maulana
UIN Raden Fatah Palembang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Macroeconomic Drivers of Islamic Bank Stability: Evidence from Indonesia and Saudi Arabia with Regulatory Quality as a Moderator Chandra Zaky Maulana; Maya Panorama; M. Junestrada Diem
Implementasi Manajemen & Kewirausahaan Vol 6 No 1 (2026): IMKA JOURNAL
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Wijaya Putra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38156/imka.v6i1.737

Abstract

Banking is among the sectors most vulnerable to economic crises due to its role as a monetary policy transmission mechanism and as a financial intermediary between surplus and deficit units. Consequently, maintaining bank resilience is crucial for sustaining monetary and economic stability. This study aims to examine the effects of economic growth, inflation, interest rates, and exchange rates on bank resilience, measured by Return on Assets (ROA), with regulatory quality employed as a moderating variable. This research adopts a quantitative approach using secondary data from five Islamic commercial banks operating in Indonesia and Saudi Arabia over the period 2019–2023. Panel regression analysis is applied using EViews 12 to capture the relationship between macroeconomic variables and bank resilience across countries and over time. The empirical results indicate that economic growth has a significant negative effect on bank resilience, while interest rates have a positive and significant effect. In contrast, inflation and exchange rates do not show a significant impact on bank resilience. Furthermore, regulatory quality is found to strengthen the influence of economic growth, interest rates, and exchange rates on bank resilience, but it does not moderate the relationship between inflation and bank resilience. These findings highlight the importance of strong regulatory frameworks in enhancing the resilience of Islamic banks. The study provides practical implications for Islamic banking institutions in improving risk management strategies, particularly in responding to global economic uncertainty and macroeconomic volatility.
ANALYSIS OF THE EFFECT OF MURABAHAH FINANCING ON PROFITABILITY WITH NON PERFORMING FINANCING (NPF) AS AN INTERVENING VARIABLE IN BTPN SYARIAH Sonia Putri; Chandra Zaky Maulana; Tariza Putri Ramayanti
Jurnal Manajemen Vol 12 No 3 (2024): Jurnal Manajemen
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36546/jm.v12i3.1177

Abstract

ROA is a description of a bank's ability to generate profits. Increasing the ROA of a bank is very important for investors' interests because it can influence investors' confidence in continuing to invest or save at the bank. ROA is influenced by financing and the rate of return on the financing itself, therefore banks must always pay attention to providing financing so as not to increase the amount of non-performing financing (NPF) which can affect ROA. This research aims to determine the effect of murabahah financing on profitability with non-performing financing (NPF) as an intervening variable at BTPN Syariah bank. This research uses quantitative research with secondary data obtained from quarterly financial reports published on the BTPN Syariah bank website for the 2015-2022 period. This research used a saturated sampling technique with predetermined criteria resulting in 32 samples with an observation period of 8 years. The data analysis technique uses path analysis with SPSS 20 tools.The results of this research data analysis prove that murabahah financing has a significant effect on NPF, murabahah financing has a significant effect on ROA, NPF has no effect on ROA, NPF is unable to mediate the effect of murabahah financing on ROA.
Co-Authors M. Junestrada Diem Maya Panorama Sonia Putri Tariza Putri Ramayanti