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Impact Of Bank-Spescific Factors and Macroeconomic Indicators on Financial Stability of Islamic Rural Bank in West Java Qist Nadzifa; Muhamad Umar Mai; Iwan Setiawan; Neneng Nuryati
Journal of Applied Islamic Economics and Finance Vol. 6 No. 2 (2026): Journal of Applied Islamic Economics and Finance (February 2026)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i2.7222

Abstract

This study aims to analyze the components that affect the financial stability of Islamic Rural Banks (BPRS). This study uses a quantitative approach by relying on secondary data in the form of BPRS financial statements published on the Financial Services Authority website. The sample used in this study consisted of 27 BPRS operating in West Java during the period 2013-2023, which were selected by purposive sampling method. To analyze the data, this study uses the panel data regression method so that it is possible to test the effect of bank-specific factors and macroeconomic indicators on the financial stability of BPRS. The findings of this study indicate that bank size and NPF have a significant negative effect on the financial stability of BPRS. While GDP growth and open unemployment rate have no effect on the financial stability of BPRS.
Co-Authors Ade Hodijah Agustunus Februadi Andriyanto Setyawan Annisa Khoerani Arie Indra Gunawan Ary Surjanto Aryanti Nur Fitri Bakhrun, Akhmad Benny Barnas bin Sukri, Mohamad Firdaus Binarto, Agus Carolina M.L. Carolina Magdalena Lasambouw Cynara Putri Danari Djoni Djatnika Ediana Sutjiredjeki Ediana Sutjiredjeki Ediana Sutjiredjeki Ediana Sutjiredjeki Endang Habinuddin Euis Sartika Farid N., Moh. Farida Agoes Fatya Alty Amalia Fitri Andriyani, Resti Florida Mathilda Fransiska, Alda Tri Habinuddin, Endang Habsari Anon Wiharsono Hadiningrum, Kunlestiowati Hedi Hedi Hedi, Hedi Husain Akbar Sumeru Ida Suhartini Irfani Azis Iwan Setiawan Juniarti, Cahaya Kasni Sumeru Kirana, Meta Nur KURNIASETIAWATI, ANNISA Lasambau, Carolina Magdalena Lasambouw, Carolina M Lina Setiawati Luga Martin Simbolon Lusiani, Anie Magdalena, Carolina Maisevli Harika Margana, Ade Suryatman Martin Simbolon, Luga Meilinda, Lina Mochamad Umar Mai Mochammad Arif Budiman Moh Farid Najib Moh. Farid Najib Mohamad Firdaus bin Sukri Muhamad Anda Falahuddin Muhamad Arif Nugraha Muhammad Akmal Muhammad Rizqi Sholahuddin Muhammad Yunus Maulana Muldiani, Ratu Fenny Najyah, Fatya Naja Nani Yuningsih, Nani Nur Fajrina, Gema Adzani Nurdin, Ade Ali Nurfitriani, Nita Pakpahan, Rosma Qist Nadzifa Raditya Yogaswara Rafiati Kania Riska Siti Hayati Rosulindo, Parisya Premiera S, Waway Qodratulloh Sartika, Euis Satria Kharimul Qolbi Setiadi Rachmat Setiawan Setiawan Shodiya Sulaimon Simbolon, Luga Martin Siti Karlina Siti S Purwaningsih Siti Samsiyah Purwaningsih Siti Syamsiah Purwaningsih Sofia Meilynda Sri N. Yuliyawati Sri Suratmi Sugiyarto Sugiyarto Sugiyarto Suhartini, Ida Suherman Sumeru Sumeru, Sumeru Sumiyati Sunardi, Cecep Tjetjep Djarnika Toto Tohir Vitasya Utami Marsu Marsa Wahyu Rafdinal Wellid, Ismail Wibisono, Nono Yudi Prana Hikmat Yuliawati, Sri N Yuliyawati, Sri Nur