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All Journal DIALEKTIKA Journal of Islamic Economics and Philanthropy
Regina Putri Listyadewi
Universitas Gadjah Mada
Religion Humanities Economics, Econometrics & Finance Environmental Science Social Sciences

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MODEL PENGEMBANGAN ISLAMIC SOCIAL ENTERPRISE DI INDONESIA Regina Putri Listyadewi; Sumardi Sumardi; Zaima Latifah; Hasse Jubba
DIALEKTIKA Vol 15, No 1 (2022): Pemikiran Keagamaan dan Perubahan Sosial
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/da.v15i1.3279

Abstract

Analisa Perilaku Pengambilan Risiko Pembiayaan Perbankan Syariah Di Indonesia : Analysis of Risk Taking Behavior of Islamic Banking Financing in Indonesia Regina Putri Listyadewi
Journal of Islamic Economics and Philanthropy Vol. 5 No. 3 (2023): February
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (871.338 KB) | DOI: 10.21111/jiep.v6i1.9293

Abstract

The basic principles attached to Islamic banks direct Islamic banks to minimize their exposure to excessive financing. However, various previous studies have shown the tendency for financing by Islamic banks to take excessive risks. On the other hand, this type of sharia financing contract tends to be protective in a downturn in the economy. The purpose of this study is to analyze the risk-taking behaviour of Islamic banks in financing and their response to the economy. This study uses a qualitative approach with technical analysis of literature studies. The result is that financing by Islamic banks at a certain Non-Performing Financing (NPF) threshold can lead them to take bold risks. The comparative advantage that exists in this type of Islamic bank financing is countercyclical so that it can withstand deterioration in a declining economy.Keywords: Excessive risk; Islamic bank financing; Risk-taking behaviour
Co-Authors Jubba, Hasse Sumardi Sumardi Zaima Latifah