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Journal : Oeconomicus Journal of Economics

Pengaruh Suku Bunga dan Pembiayaan Bermasalah pada Bank Syariah Aida, Farchati Umu; Yazid, Muhammad
OECONOMICUS Journal of Economics Vol. 8 No. 2 (2024): (June) edisi 16
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2024.8.2.124-139

Abstract

This journal discusses the influence of interest rates and problematic financing on the performance of Islamic banks in Indonesia. This research uses secondary data from Islamic bank financial reports. Sharia banking in Indonesia is one of the financial sectors that is increasingly developing. As a financial institution based on sharia principles. Islamic banks face risks that can affect their performance. The two main risks faced by Islamic banks are interest rate risk and financing problem risk. Interest rates have a significant influence on the profitability of Islamic banks. The increase in interest rates causes a decrease in the profitability of Islamic banks. Apart from that, problematic financing also has a negative impact on the performance of Islamic banks. The higher the level of problematic financing, the lower the profitability of Islamic banks. The implication of this research is that Islamic bank management needs to improve asset quality and strengthen risk management in order to reduce the negative impact of interest rate fluctuations and problematic financing on the performance of Islamic banks. Good risk management can help banks anticipate and manage the risks they face so that they can minimize their negative impact on bank performance. Apart from that, Islamic bank management also needs to diversify funding sources to reduce ethnic risk
Co-Authors Abdelmagid, Eltayeb Salah Eltayeb Abdillah, Bacharuddin Agus Hidayat, Ahmad Ahmad Kurnain Ahmad Kurnain, Ahmad Aida, Farchati Umu Aji Prasetyo, Aji Akhmad Sabda Maulana, Nur Al Maghfuri, Rahmah Salsabila Al Mirza, Moch Rusydan Alfitri Alfitri Alif, Nur Rahmad Amalina, Azka Amanda, Amelia Amelia, Winanda Amirullah, Sir Haykal Alam Andhelia, Siti Ramadhani Andhini Koeswito, Winnie Andriani Samsuri Andrisyah, Fauzi ANDY MULYANA Ani Pristiawati Anisa Pertiwi, Umi Annisa, Siti Fini Apriyanto , Ade Aqila Azza Fauzia Aripriharta - AS, Fathor Ayu Anggraini Azizi, Adni Salsabil Bagio, Toni Hartono Bunga Karnisa Goib Cahyadi, Irwan Choiri, Achmad Firman Damara, Rian Damayanthi, Dini Damayanthy, Dini desi aryani DESSY ADRIANI Dessy Adriani Dessy Adriani Dewi, Lativa Andam Doni Rinaldi Basri Dwipa Handayani Dwisari Dillasamola efendi, Irfan Erni Purbiyanti, Erni Fadhilla, Naylatul Fadil, Muhammad Syukri Faidzin, Ilham Faqihuddin, Abdullah Fatmariyah, Fatimatul Fatriami, Fatriami Febria Nurmelia Marlina Febriyanti, Novi Feriansyah, Ardian Firdausia, Yulia Kurnia Fitra Ramdhani, Fitra Fitriana, Alya Nabila Fitriyah, Alfina Lailatul Gefry Ginting, Brian Permana Gustin, Maysheila Hafsah, Nur Hanisa, Najma Syakina Hanum, Fathmah Hardiansyah, Tubagus Rizki harris, jaudat iqbal Hasibuan, Ahmad Daniel Hendriansah Herdiansyah, Dafa Hermawan, Edwin Huanza, M. Hurrin, Sofchatuz Zahro Salsabila Husaini, Rizki Ramadhan Husnah Husnah Husni Mubarak Intan Dewinta, Intan Irtiqouli'ulya , Pandu Islami, Deri Ismatul Khayati Jamila, Assyfatul Janah, Nadhivah Nur Januarti, Indri Khumair, Merina Khusnia, Nur Kumala Sari, Dina Kurnia, Ferdi Laila Wati lestari, Suci Shinta Lifianthi, Lifianthi Lubis, Holijah M. Adib Nazri MAKIAH Marianto, Hadi Marwan Masruroh, Aniswatun Maya Sari Mega Rahmi Mila Arlina, Agustin Moh. Rasyid Ridho Mokh Sholihul Hadi Mubarokah, Shela Syofiatul Mufadhdhal, Muhammad Asad Muhadzid, Fayyadh Atsil Muhammad Andri Zuliansyah Muhammad Arbi Muhammad Defri Wahyudi Muhammad Naufal, Muhammad Muhammad Roby, Muhammad Muhammad Yamin Mujahadah, Alifatul Mujtahidah, Fikarul Murni, Cahyasari Kartika Nadia Fitriani Nadila, Lili Ningsih, Julia Nisaa, Mufida Auliyaun Noverial Novitasari, Serly Novriadhy, Dian Nufus, Shoufa Hayatun Nukmal Hakim, Nukmal Nurul Hikmah Oktafani, Reni Oktaviani, Dilla Pratiwi, Eghinna Elsa Purba, Khairul Fahmi Puspa Ningrum Putri, Biomechy Oktomalio Putri, Popy Dwi Qori'atunnadyah, Marita Rabbani, Nizar Bagoes Rahman, Joya Rahmat Tisnawan Rahmawati, Maulinda Ramadanis, Ramadanis Ramadhani, Nasywa Anjani Rasya, Naysilla Rifaatul Mahmudah Riswani Rizki Yani, Fadila rni Purbiyanti Roihana, Najlatus RR. Ella Evrita Hestiandari Rufaedah, Dina Anisya Saiful Bakhri Salamun Salamun Salsabila, Ainur Rona Salsabilla, Syahvira Saputra, Johan Saputra, Virga Hendra Sarifah, Sarifatul Aini Satrio Adi Wicaksono Saventina, Ega Marta Sihol Marudut Tua Sinaga Sikumbang, Thamrin Sirajul Arifin Siti Musfiqoh Siti Zubaidah Sri Lestari Sriningsih Subrata, Antoni Sugioto, Dedek Sujito Sujito Sukri Susilo, Suhiro Wongso Sutami Sutami Tafarini, Meitry Firdha Thirtawati, Thirtawati Thoriq, Muhammad Toyeb, Muhammad Toyibah, Umi Trisna Wahyu Swasdiningrum Putri Triyuliani, Maulidia Warman, Fachrur Rozi Wathoni, Hamzani Wati, Aprilia Candra Purnama Wenny Widiastuti Wenny Widiastuti Wicaksono, Ahmad Bayu Widiyati Yanti, Caroline Chiko Meyrisma Yuliana, Ika Zebua, Yedija Salomo