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All Journal EQUILIBRIUM Equilibrium: Jurnal Ekonomi Syariah Jurnal Magister Ekonomi Syariah
Affandi, Akhsyim
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Religion Economics, Econometrics & Finance

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Analisis Empiris Transaksi Non-Tunai Dan Variabel Ekonomi Terhadap Dinamika Pengganda Uang Di Indonesia Mahendra, Weri; Kusuma Tegar, Brian; Affandi, Akhsyim
Jurnal Magister Ekonomi Syariah Vol. 3 No. 1 Juni (2024): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2024.031-06

Abstract

This research was conducted to analyze the effect of non-cash instruments, namely debit card transactions, credit card transactions, electronic money, and economic variables, namely interest rates and inflation on the money multiplier in Indonesia. The data analysis technique uses the Error Correlation Model via Eviews 9. The tests carried out are the stationarity test, cointegration test, and ECM model estimation. This study uses quantitative data types for 2012-2021 with a total of 120 observations. Data is sourced from the website of Bank Indonesia and the Central Bureau of Statistics (BPS). The results of the study show that debit transactions have no significant effect on the money multiplier in the short term. Meanwhile, in the long term, debit transactions have a positive and significant effect on the money multiplier number. Credit transactions have a significant negative effect on the short-term and long-term money multiplier numbers. Electronic Money and inflation show no significant effect in the long term or short term on the money multiplier number. Interest rates show a negative and significant effect on the money multiplier in the short term. Meanwhile, in the long run, interest rates do not have a significant effect on the money multiplier in Indonesia. The implication of the study is the need to encourage the use of debit transactions through education, infrastructure, and incentives, as well as stricter supervision and policies in granting credit given its negative effect on the money multiplier.
Determinants of Financing Risk Dynamics in Southeast Asian Islamic Banking Anwar, Fauzan; Feriyanto, Nur; Affandi, Akhsyim
EQUILIBRIUM Vol 14, No 2 (2026): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v14i2.39225

Abstract

This study aims to analyze the integration of internal fundamental factors, bank performance metrics, and macroeconomic dynamics in determining financing risk among full-fledged Islamic commercial banks across Southeast Asia. A quantitative approach was used with balanced panel regression (2012–2024) of eleven Southeast Asian Islamic commercial banks was conducted in EViews using Chow, Hausman, and Lagrange Multiplier tests. The findings reveal that Internal factors mitigate non-performing financing, whereas asset growth and macroeconomic expansion escalate risk; inflation and systemic pandemic disruptions show no impact. Internal strength absorbs macro-financial volatility, obligating executives and regulators to prioritize operational efficiency and prudent growth. This study integrates Muslim-majority and minority nations, PSFR ratios, COVID-19 shocks, and Business Cycle Theory to reveal Non-Performing Financing dynamics.
Determinants of Financing Risk Dynamics in Southeast Asian Islamic Banking Anwar, Fauzan; Feriyanto, Nur; Affandi, Akhsyim
EQUILIBRIUM Vol 14, No 2 (2026): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v14i2.39225

Abstract

This study aims to analyze the integration of internal fundamental factors, bank performance metrics, and macroeconomic dynamics in determining financing risk among full-fledged Islamic commercial banks across Southeast Asia. A quantitative approach was used with balanced panel regression (2012–2024) of eleven Southeast Asian Islamic commercial banks was conducted in EViews using Chow, Hausman, and Lagrange Multiplier tests. The findings reveal that Internal factors mitigate non-performing financing, whereas asset growth and macroeconomic expansion escalate risk; inflation and systemic pandemic disruptions show no impact. Internal strength absorbs macro-financial volatility, obligating executives and regulators to prioritize operational efficiency and prudent growth. This study integrates Muslim-majority and minority nations, PSFR ratios, COVID-19 shocks, and Business Cycle Theory to reveal Non-Performing Financing dynamics.
Co-Authors Anwar, Fauzan Kusuma Tegar, Brian Mahendra, Weri Nur Feriyanto