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All Journal Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) IIJSE
Khairiyah, Imamah
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Economics, Econometrics & Finance

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Peran Dan Strategi Kepala Cabang Di Pegadaian Syariah Mandailing Natal Mubarok, Hadi; Sitorus, Friska Olavia; Khairiyah, Imamah
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 4, No 1: 2023
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v4i1.4358

Abstract

Islam is a whole and integrated system and way of life, Islam provides dynamic guidance to all aspects of life including the business sector and financial transactions. This is seen by using the principles of Sharia, because it is expected that using the principles of Islamic Sharia can provide mashlahat for mankind and one of the advantages of Islamic financial institutions is not allowed to ask for excess of the loan principal, because such things include usury. As we know that riba in Islam is very forbidden. The development of Islamic financial institutions in Indonesia can be categorized as fast and one of the factors is the belief in the muslim community that conventional banking contains elements of usury which is prohibited by Islam.
Analysis of the Influence of External Factors of Sharia Bank on Non-Performing Financing (NPF) of Indonesian Sharia Commercial Banks Khairiyah, Imamah; Lubis, Fauzi Arif; Nasution, M. Lathief Ilhamy
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3899

Abstract

Islamic banking in Indonesia has grown rapidly in recent years. However, along with its development, Islamic banking also faces various risks, one of which is credit risk which can result in Non-Performing Financing (NPF) or non-performing loans. NPF is an important indicator that can affect banking stability. Therefore, it is important to control the factors that can affect the level of NPF in Islamic banks. This study aims to examine the effect of inflation, BI Rate, and exchange rates on Non-Performing Financing (NPF) in Islamic banking in Indonesia. NPF is an important indicator that can affect banking stability and inflation control, the BI Rate, and the exchange rate is the factors that can affect the level of NPF in Islamic banks. This study uses a method with a quantitative approach and with a sample of 264 and removes outliers to 141 observational samples using multiple linear regression analysis techniques. The partial and simultaneous results of the research on inflation, the BI Rate, and the exchange rate on Non-Performing Financing (NPF) have a significant influence. The importance of controlling inflation, the BI Rate, and the exchange rate in managing credit risk and preventing NPFs. Inflation has an inverse effect on NPF, meaning that when inflation rises, NPF tends to fall. The BI Rate has a significant impact on a bank’s ability to manage credit and credit risk, the higher the BI Rate, the greater the possibility of an NPF. Furthermore, changes in the exchange rate can affect the credit risk that must be borne by banks in managing credit, the lower the exchange rate, the greater the possibility of an NPF.
Co-Authors Arifin Fauzi Lubis Mubarok, Hadi Nasution, M. Lathief Ilhamy Sitorus, Friska Olavia