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All Journal Jurnal Pendidikan dan Pembelajaran Khatulistiwa (JPPK) Jurnal DIDIKA: Wahana Ilmiah Pendidikan Dasar Jurnal Pemberdayaan Masyarakat Madani (JPMM) Martabe : Jurnal Pengabdian Kepada Masyarakat FINANSIA : Jurnal Akuntansi dan Perbankan Syariah International Journal of Engagement and Empowerment (IJE2) Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Jurnal Bisnis, Manajemen, dan Keuangan Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Ratna Anggraini
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Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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Journal : FINANSIA : Jurnal Akuntansi dan Perbankan Syariah

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FINANCING GROWTH AND BANK RISK: EMPIRICAL EVIDENCE FROM INDONESIA Wastuti, Wahyu; Prasetyowati, Riris Aishah; Anggraini, Ratna
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 1 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i1.7442

Abstract

This study examines the crucial issue of the impact of financing growth on various dimensions of Islamic Banks in Indonesia. The growth of financing affects bank risk, profitability, and solvency. The main objective explains the relationship between financing growth and key performance indicators. The study uses ROA for profitability, EQTA for capital adequacy, NPF for bank risk, and the natural logarithm of Total Assets as a proxy for bank size. LIQD and CIR are included as additional variables to provide a more comprehensive analysis. Data for the period Q1 2012 to Q4 2020, obtained from the publication report on the OJK website. Using multiple linear regression, the findings showed a negative relationship between bank risk and financing growth. In addition, the growth of financing has a positive effect on both profitability and solvency of banks. This confirms the importance of prudential principles to optimize risk management strategies, especially in the context of a growing role in financing growth in Islamic banks.
Co-Authors Agatha, Natasya Agung Wahyu Handaru Amirah, Aisyah Anindita Amjad, Aurora Arum, Fathonah Dwi Mayang ATI SUMIATI, ATI Dalimunthe, Sholatia Eka Komalasari Fauzi Ahmad Muda Gatot Nazir Ahmad Gumay, Muhammad Farras Nursyam Hari Antoni Musril I Gusti Ketut Agung Ulupui I Wayan Swandi Ika Febrilia Jaya R., Tresno Eka Krissanya, Nofriska Kurniaty, Kurniaty M. Yasser Arafat, M. Yasser Maharani, Diva Mahfirah, Titis Fatarina Marsellisa Nindito, Marsellisa Martono . Mendy Hosana, Mendy Mufidah, Chusnanik Nafisa, Najla Nuramalia Hasanah Prasetyowati, Riris Aishah Raihana, Raihana Rd. Tuty Sariwulan Rida Prihatni Riri Okra Rosmayani, Rosmayani Salim, Ester Betania Sarwo Derta Sesilia Seli Shandy Aditya, Shandy Solly Aryza Suherdi Syalsabila, Anis Tri Hesti Utaminingtyas, Tri Hesti Wahono, Puji Wastuti, Wahyu Zakaria, Adam