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Issa Hamadou
Universitas Islam International Indonesia

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Impact of Risk and Competition on Indonesian Islamic Bank Performance: Panel Data Evidence Issa Hamadou
Journal of Islamic Economics and Philanthropy Vol. 6 No. 4 (2024): May
Publisher : Universitas Darussalam Gontor

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Abstract

This paper examines the impact of banking risk and competition on the performance of Islamic banks in Indonesia. The study used financing to deposit ratio (FDR) as a representation of liquidity risk, non-performing financing (NPF) as a representation of financing risk, and the operating expense ratio (BOPO) as a representation of operational risk. Regarding competition, market share (MS) and market concentration (MC) proxies by the Hirschman–Herfindahl Index (HHI) were used. Time series data were collected from 14 Islamic banks operating in Indonesia for the period 2010–2020 and the Least Square method was used. It was found that liquidity risk affects positively the profit of Islamic banks, while financing risk and operational risk impact negatively the variation of the profit. Only market share, influences the variation in the profit of Islamic banks in terms of competition level. Therefore, the Indonesian government should apply a competition policy to the Islamic banking sector in order to increase their profitability and improve economic growth. For future research, it is recommended to include other Islamic finance institutions like Islamic rural banks and Islamic takaful (Islamic insurance) to analyse these effects in a general way.
Do Digital Technologies Support Entrepreneurship Growth? Evidence from Indonesian Muslim Women in Depok City Issa Hamadou
Journal of Islamic Economics and Philanthropy Vol. 6 No. 1 (2023): August
Publisher : Universitas Darussalam Gontor

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The main objective of this paper is to assess the impact of digital technologies on the entrepreneurial output of Muslim women in Indonesia. Using a questionnaire, we collected data from Muslim women entrepreneurs involved in digital entrepreneurship in Depok city. We applied multiple linear regression to analyze the data. We found that the use of e-commerce platforms and internet services affects positively the entrepreneurship growth of Muslim women in Indonesia. However, online payments have been found non-significant because of awareness of risk and security towards online payment system. One of the limitations of this research is the size of the sample. Obtaining data from Muslim women entrepreneurs was very difficult. Again, the case under study is limited to one country. Therefore, it is recommended for future research to use a large sample size and include more countries. Indonesian government should implement tax reduction policies in order to improve the growing sector of Muslim women entrepreneurs, which can help them to become empowered in society.
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