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All Journal EL-MUHASABA El-QUDWAH El Dinar Jurnal Akuntansi Multiparadigma Tazkia Islamic Finance and Business Review Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Management and Economics Journal (MEC-J) MALIA JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Shirkah: Journal of Economics and Business Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam International Journal of Economics Development Research (IJEDR) Jurnal Ecogen Journal of Islamic Economics and Finance Studies Unram Journal of Community Service (UJCS) Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Jurnal Perbankan Syariah Darussalam (JPSDa) Journal of Islamic Economics Lariba Moneter : Jurnal Keuangan dan Perbankan Maliki Islamic Economics Journal IIJSE JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Teumulong: Journal of Community Service Engagement: Jurnal Pengabdian Kepada Masyarakat International Journal of Economics, Business and Innovation Research Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah JPS (Jurnal Perbankan Syariah) eJEBA
Ulfi Kartika Oktaviana
Fakultas Ekonomi Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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Journal : Al-Tijary : Jurnal Ekonomi dan Bisnis Islam

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Sharia Rural Banks in East Java: How Its Hazard Rate? (The Analysis Using Multiple Period Logit) Oktaviana, Ulfi Kartika; Miranti, Titis
Al-Tijary AL-TIJARY VOL. 7, NO. 2, JUNI 2022
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (392.96 KB) | DOI: 10.21093/at.v7i2.4297

Abstract

Sharia Rural Banks in East Java provide essential financial services in compliance with Islamic law, fostering economic growth in rural communities. Assessing their hazard rate, which indicates the probability of bank failure over time, is crucial for understanding their stability and resilience amidst various economic and regulatory challenges. Therefore, this study aimed to determine the susceptibility opportunities of each BPRS. The second objective is to find out the financial ratios that cause it. The financial sustainability measure is a measuring tool to calculate the chance of survival. Financial sustainability approximates the value of Financial Self-Sufficiency (FSS). The population used is BPRS in East Java. The analysis technique used survival analysis and multiple period logit models Research variables that invariably affect the sustainability of BPRS include NPF, ROA, Bank Size, PM, FR, GLP, WoR, and LDR. The study on Sharia Rural Banks (BPRS) in East Java reveals that only about 30% of these banks have a stable financial condition, indicating a low overall sustainability rate. This suggests that the majority of BPRS need to improve their financial health to better support regional economic development and the growth of MSMEs.
Co-Authors Achmad Sani Achmad Sani Supriyanto Admaja, Fitroh Marga Mila Aria Ahmad Tibrizi Soni Wicaksono Angelica, Zahwa Anggreini, Gita Melliyani Anisa Nur Alfiatul Choiriyah, Siti Nur Fadlil Abdani Fathani, Nurul Fathani Fitriawati, Deva Ayu Gita Melliyani Anggreini Hasibuan, Lempang Hikmah, Liatul Iriawan, Muhammad Rafi Ismawati Khofifah Ayu Virnanda Lestari, Iin Fitri Lotus Mega Fortrania, Lotus Mega MARDIANA MUHAJIR NANI HANIFAH Nanik Wahyuni ‎ Nihayatu Aslamatis Solekah Nisa', Isma Mufidatun Norma Hanifah Rosydah Nova, Reni Sagita Nuzulul Nasoihul Ibad Pratama, Mohammad Aditya Putra, Satrio Fajar Rahmat, Ainul Yaqin Rahmat Daeng Marakka Rini Safitri Rosman, Romzie Sania Nabillah Sanurdi Satrio Fajar Putra Sulistyowati Titis Miranti Titis Miranti, Titis Vivin Maharani Ekowati Wahyu Kharismaputri Wasilatur Rohimah Wicaksono, Ahmad Tibrizi Soni Yayuk Sri Rahayu Yulistina Wulandari