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Journal : Muqtasid: Jurnal Ekonomi dan Perbankan Syariah

Determinant of Qard: Evidence from Indonesian Islamic Rural Banks Fitriyani, Yeny; Lidasan, Mussollini Sinsuat
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 14, No 2 (2023): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v14i2.93-114

Abstract

This study was conducted to offer an assessment of the qard factors, concerning Indonesian Islamic Rural Banks. To conduct this analysis, data from Indonesian Rural Banks and macroeconomic panels were used. In addition, an approximated generalized method of the moment was also used to report qard determinants from 2012-2022. The results showed that Return on Assets (ROA), Bank Operational Costs to Operating Income (BOPO), and inflation negatively impacted the distribution of qard, while Non-Performing Financing (NPF) variable indicated a positive and significant impact. Valuable recommendations were formulated by comprehending the interplay between profitability ratios and macroeconomic conditions. These recommendations informed the development of products within the context of BPRS and Sharia banking, contributing to rural economic growth through qard financing. This study developed BPRS and Sharia banking products to increase rural economic growth. Qard financing served as an essential resource for individuals who did not meet the eligibility criteria of conventional banks. The adoption and expansion also promoted financial inclusion for marginalized communities.
Co-Authors Abdul Rosyid Achmad Nur Alfianto AFIFAH, UMI Afriadi, Fiqih Afridatul Fikriyah Ahmad Efendi Efendi Ahmad Fauzan Al Ayubi, Muhammad Haris Alfianto, Achmad Nur Alfiyanto, Achmad Nur Ali Rochmat Alif sofian Ambarwati Anam, Rizqy Khairul Anisatul Azizah, Anisatul Ash Shidiqie, Jannahar Saddam Assodiqoh, Nur Ma'rifah Ayyusuf, Imanul Achmad Al Amir Damar Irsyad Ustadz Datu Mussolini Sinsuat Lidasan Dewi, Tri Rachma Fadilla, Nurlita Dewi Fadli, M. Robit Nailal Febriyanti, Aprillyana Fikriyah, Afridatul Fitriani, Wulan Halipah Halipah Heri Sudarsono Herliana Rizki Yati Hidayat, Trian Hidayat, Yahya Nur Ihsan Rafifalah Ikawati, Retty Indahsari, Sutriyana Istikharoh, Maya Jannah, Vina Roudhotul Jinggo Aldino Labib, Achmad Lia Nur Cahyani Lidasan, Datu Mussolini Sinsuat Lidasan, Mussolini Sinsuat Lidasan, Mussollini Sinsuat M Pudail Maemunah Mariana Ratih Ratnani Maryono . Maufur, Miqdam Milna Wafirah Muhammad Alif Muzakki Muhammad Rifki Mustika Noor Mifrahi, Mustika Noor Muzakki, Muhammad Alif Mu’awanah, Annisa Siti Nasiroh, Fandilatun Natiq Al Aksar Nugrohowati, Rindang Nuri Isnaini Nur Alfianto, Achmad Nur Rochmah, Eva Pambudi, Fajar Priyonggo Suseno Pudail, M. Pudail, M. Pudail, Muhammad Purwanto Purwanto Purwanto Purwanto, Purwanto Qurotul Aini Qurotul Aini Qurrata A’yun, Azkiya Qurrotul Aini Rafifalah, Ihsan Rahmaan, Dimas Anjanii Rahmawati Lewo Ramadani, M. Kevin Rifa'i, Fuad Yanuar Akhmad Rifai, Fuad Yanuar Akhmad Risydiyani, Wilda Rizqi Istiqomah Rochison, Muhammad Rohmat, Ali Satrio Arif Wicaksono Shofa Robbi, Imam arsya Siti Nur Aini, Siti Nur Siti Nur Azizah sofian, Alif Sofyana, Sonia Tajun Yuhsinun Tri Mulyani Tumewang, Yunice Karina Ula, Himmatul Wahyu Achmad Pamuji Widiyawati, Ema Nurkholisa