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All Journal Indonesian Journal of Economics and Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Ramadhani, Rizkia
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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The Influence of Bank Specific Factors and Macro Economics on Non-Performing Financing in Islamic Rural Banks Ramadhani, Rizkia; Mai, Muhammad Umar; Novianty, Ira
Indonesian Journal of Economics and Management Vol 3 No 3 (2023): Indonesian Journal of Economics and Management (July 2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v3i3.4872

Abstract

During 2017-2021, the BPRS NPF ratio has exceeded the threshold set by the Financial Services Authority, which is 7%. The average NPF ratio of BPRS for the 2017-2021 period is 8.25% (Otoritas Jasa Keuangan, 2022).. The population in this study are Islamic Rural Banks in Indonesia, namely 167 Islamic People's Financing Banka. The samples in this study were 157 Islamic Rural Banks. The sampling technique in this study used purposive sampling. Based on the discussion and results, ROA, CAR, FDR, Inflation, GDP, and unemployment on the dependent variable, namely NPF at Islamic Rural Banks during 2017-2021, the results show that ROA has a negative effect on NPF while FDR and inflation have a positive effect on NPF. Meanwhile CAR, GDP, and unemployment have no effect on NPF at Islamic Rural Banks in Indonesia.
Analisis Komparatif Tingkat Kesehatan Bank Syariah Indonesia dan Bank BUMN Konvensional Berdasarkan Metode RGEC Ramadhani, Rizkia; Andriani, Irma
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 12 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i12.10219

Abstract

This study aims to assess and compare the financial health of Bank Syariah Indonesia (BSI) with state-owned conventional banks, namely Bank Mandiri, BNI, BRI, and BTN, using the Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) method. The research employs a quantitative approach with a descriptive comparative method. Secondary data were collected from the financial statements of each bank for the period 2021 to 2024. The results of the analysis show that all banks fall within the healthy to very healthy categories. BSI, BRI, Bank Mandiri, and BNI obtained a composite rating of 1 with a very healthy classification, while BTN received a composite rating of 2 with a healthy classification. These findings indicate that BSI, as the only state-owned Islamic bank, is able to compete effectively and demonstrates performance that is comparable to, and in some aspects superior to, that of conventional state-owned banks.
Co-Authors Irma Andriani Mochamad Umar Mai Novianty, Ira