Ousmane Diallo, Ousmane
Cheikh Anta Diop University of Dakar, Senegal

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Analysis of The Influence of Liquidity, Credit and Operational Risk, in Indonesian Islamic Bank’s Financing for The Period 2007-2013 Diallo, Ousmane; Fitrijanti, Tettet; Tanzil, Nanny Nanny
Gadjah Mada International Journal of Business Vol 17, No 3 (2015): September-December
Publisher : Master of Management, Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (32.534 KB)

Abstract

The purpose of this paper is to analyze the influence of credit, liquidity and operational risks in six Indonesian’s islamic banking financing products namely mudharabah, musyarakah, murabahah, istishna, ijarah and qardh, in order to try to discover whether or not Indonesian islamic banking is based on the “risk-sharing” system. This paper relies on a fixed effect model test based on the panel data analysis method, focusing on the period from 2007 to 2013. The research is an exploratory and descriptive study of all the Indonesian islamic banks that were operating in 2013. The results of this study show that the Islamic banking system in Indonesia truly has banking products based on “risk-sharing.” We found out that credit, operational and liquidity risks as a whole, have significant influence on mudarabah, musyarakah, murabahah, istishna, ijarah and qardh based financing. There is a correlation between the credit risk and mudarabah based financing, and no causal relationship between the credit risk and musharaka, murabahah, ijarah, istishna and qardh based financing. There is also correlation between the operational risk and mudarabah and murabahah based financing, and no causal relationship between the operational risk and musharaka, istishna, ijarah and qardh based financing. There is correlation between the liquidity risk and istishna based financing, and no causal relationship between the liquidity risk and musharaka, mudarabah, murabahah, ijarah and qardh based financing. A major implication of this study is the fact that there is no causal relationship between the credit risk and musharakah based financing, which is the mode of financing where the islamic bank shares the risk with its clients, but there is an influence of credit risk toward mudarabah mode financing, a financing mode where the Islamic bank bears all the risk. These findings can lead us to conclude that the Indonesian Islamic banking sector is based on the “risk sharing” system.
Academic stress and stress management strategies among undergraduate nursing students Sarr, Moussa; Diallo, Ousmane
Malahayati International Journal of Nursing and Health Science Vol. 9 No. 1 (2026): Volume 9 Number 1
Publisher : Program Studi Ilmu Keperawatan-fakultas Ilmu Kesehatan Universitas Malahayati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33024/minh.v9i1.2374

Abstract

Background: In order to handle their academic obligations and reduce stress, students needed to have effective coping techniques. In order to plan interventions, nurse educators are suggested to assess the stress level of the nursing program because various nursing students have varying amounts of stress and coping mechanisms. Purpose: To investigate the variations in nursing undergraduates' academic stress and coping mechanisms. Method: Undergraduate nursing students made up the population of the descriptive study, which employed a cross-sectional approach. Census sampling was used, and the stress coping style survey and the stress related to school questionnaire were the instruments used to gather data. For inferential analysis, ANOVA was used, and the results were presented as means and standard deviations. Results: Age group differences in peer stress were significant (p = 0.004). Male respondents have lower mean academic stress than female respondents, with the exception of peer stress. There was a significant gender difference in the mean academic stress for peers and teachers (p = 0.04 and 0.02, respectively). Academic stress ranges from 300 to 400 on average, with the exception of group study. Active problem dealing had the highest mean score across all age groups. There is no appreciable difference in stress coping mechanisms among all the variables. Male respondents have a greater mean stress coping style than female respondents when it comes to active emotional coping and active issue coping, with significant differences of p = 0.011 and 0.045, respectively. The 500-level respondents have the highest mean stress coping style across all metrics when compared to respondents from other levels. Conclusion: When creating therapies to lessen academic stress among undergraduate nursing students, lower age groups should be taken into consideration. Female students require more attention than male students. Students at the 300 and 400 levels should be given more attention than those at lower levels. Additionally, students should be taught a variety of coping strategies, where to apply them, and the consequences of each, regardless of their age, gender, or academic standing.