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All Journal Jurnal Iqtisad Economic Journal of Emerging Markets Jurnal Keuangan dan Perbankan Kinerja JEJAK Journal of Economics, Business, & Accountancy Ventura Journal of Indonesian Economy and Business Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Jurnal Ekonomi Syariah Teori dan Terapan Global Review of Islamic Economics and Business Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam Jurnal Ekonomi & Keuangan Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Shirkah: Journal of Economics and Business International Journal of Islamic Business and Economics (IJIBEC) EkBis: Jurnal Ekonomi dan Bisnis Share: Jurnal Ekonomi dan Keuangan Islam WELFARE Jurnal Ilmu Ekonomi Unisia Jurnal Keuangan dan Perbankan Mutanaqishah: Journal of Islamic Banking Journal of Islamic Economics Lariba Jurnal Kebijakan Ekonomi dan Keuangan Review of Islamic Social Finance and Entrepreneurship IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JPS (Jurnal Perbankan Syariah) International Journal of Islamic Business and Economics (IJIBEC) Jurnal Analisis Bisnis Ekonomi
Agus Widarjono
Department Of Economics, Faculty Of Business And Economics, Universitas Islam Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Qard Financing And Stability Of Islamic Rural Banks Rahmat, Rahmat; Widarjono, Agus
JPS (Jurnal Perbankan Syariah) Vol 6 No 2 (2025): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i2.2625

Abstract

The purpose of this study is to analyze the impact of Qard financing, market competition, internal bank factors and macroeconomic conditions on the stability of Islamic rural banks (IRBs) in Indonesia. This study analyzed as many as 123 banks that disbursed Qard financing in the 2015-2023 period using quarterly data. The analysis method used is panel data regression with an unbalanced data panel. This research also categorised IRBs into two groups: large and small. The study's results found that Qard financing has a negative effect on the stability of IRB. However, a large IRB faces a negligible risk compared to a small IRB in terms of distributing Qard financing, which reduces its stability. CAR, FDR and GDP have a positive effect on the stability of BPRS, while Assets, BOPO, NPF and COVID-19 have a negative effect on the stability of BPRS. The findings of this study have both theoretical and practical implications. From a theoretical perspective, although Qard financing reduces stability, it must still be distributed by IRB to achieve the goals of Maqasid Sharia. From a practical point of view, IBR must strengthen its fundamentals, such as capital and efficiency, to strengthen its stability.
Bank stability, Covid-19, and Islamic bank financing in Indonesia Agus Widarjono; Munrokhim Misanam
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8131

Abstract

The financial performance of Islamic banks is strongly influenced by the bank's ability to disburse their funds. The purpose of this study is to analyze the influence of Islamic bank fundamentals in influencing financing. Islamic bank fundamentals consist of stability, size, profitability, equity, efficiency, and financing risk. This study uses quarterly data to examine 13 Islamic commercial banks from 2014 to 2020. The method used is static panel data regression with unbalanced panel data of 334 observations. The results show that the Z-score, assets, ROA, and NPF have a positive effect on the financing of Islamic commercial banks. Meanwhile, the CAR and income cost ratio has a negative effect on the financing of Islamic commercial banks. Furthermore, the economic slowdown because of Covid-19 has reduced Islamic commercial bank financing. These findings indicate that profit, bank size, and stability are the main Islamic bank fundamentals that significantly influence the amount of Islamic bank financing.
Does qard financing fortify the trust of bank customers? Lessons from Islamic regional banks in Indonesia Widarjono, Agus; Hendri, Zul; Shuib, Mohd Sollehudin; Jaya, Yozar Putra
Review of Islamic Social Finance and Entrepreneurship Volume 5 Issue 1, 2026
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol5.iss1.art1

Abstract

Purpose – This study investigates the impact of Qard financing on customer trust in Islamic banks in Indonesia using a nonlinear approach.Methodology – We examine 123 Islamic regional banks (IRBs) from 2016 to 2023 using quarterly data. The estimation method is the dynamic panel regression method using the generalized methods of moments (GMM). The trust of IRBs’ customers is proxied by third-party funds (TPF).Findings – Moderate Qard financing strengthens customer confidence; however, as it exceeds the optimal level, the effect of Qard financing on TPF becomes negative. More importantly, the results indicate that the positive impact of Qard financing on customer confidence weakens as banks face high liquidity risk. Implications – First, Qard financing must be conducted in a measurable and optimal manner to avoid risk perceptions that are likely to weaken fund collections. Second, IRBs need to warrant that the expansion of Qard financing is balanced with prudent liquidity management. The Indonesian Financial Services Authority (OJK) likely includes Qard financing as one of the IRB performance indicators.Originality – Our study is a pioneer in investigating the role of social financing in customer trust using a non-linear approach.
Co-Authors Akhsyim Afandi, Akhsyim Devi Utami Rika Safitri Dityawarman El Aiyubbi Dyah Widhowaty Eko Purnomo Putri Firna Hayyu Nindya Maritsa Fitrah, Jauharil Hapsari, Putri Nela Hendri, Zul Jaya, Yozar Putra Jusuf, Nurain M.Bekti Hendri Anto MB Hendrie Anto Mifrahi, Mustika Muhammad Akhyar Adnan Muhammad Muhammad Munrokhim Misanam Munrokhim Misanam, Munrokhim Nabilah Amir Nur Indah Hardianti Qonitat Az-Zahra Rahmat Rahmat Rudatin, Ari Sahabuddin Sidiq Sarastri Mumpuni Rucbha Septiana Indarwati Shuib, Mohd Sollehudin Shuib, Sollehudin Sidiq, Sahabudin Sidiq Sintarini, Fitriasari Sintia Dewi Nur Ajizah Wiranata, Bagas Zhafira Mardhiyah