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Islamic Banks’ Financial Stability and Its Determinants: a Comparison Study With Conventional Banks in Indonesia Zulfikar Bagus Pambuko; Nur Ichsan; MB. Hendrie Anto
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3346

The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI) model for predicting the bank's stability. The analysis began with measuring BSI then using VECM to examine the effect of variables on BSI. The result showed that the BSI of both banking system was exhibiting the moderate level of stability though Islamic banking is more stable and safe way of financing than conventional banking. The shocks of inflation, exchange rate, efficiency, income diversity, liquidity, and Industrial Production Index responded positively by Islamic Bank' stability, while interest rate and market share responded negatively. In another hand, conventional bank' stability responded positively the shock of the exchange rate, income diversity, interest rate, liquidity, and market share, while other variables responded negatively. The results of shocking variables strongly indicated that the conventional banking is more vulnerable than Islamic banking. Islamic banking looked tend to the shock resistance and less volatile. This conclusion, however, might be still questioned as the BSI was not designed specifically for Islamic banking. Therefore, constructing an Islamic BSI (under Islamic banking characters) was important to measure the banking stability more appropriate and to develop a proper early warning system for Islamic banking industry.

Does market structure matter for Islamic rural banks' profitability? Agus Widarjono; M. B. Hendrie Anto
Jurnal Keuangan dan Perbankan Vol 24, No 4 (2020): October 2020
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v24i4.4810

This study investigates the impact of the market structure including bank-specific factor and macroeconomic conditions on profitability of Islamic rural banks in Yogyakarta and Central Java provinces. We employ the Structure Conduct Performance (SCP) and Relative Market Power (MRP) hypothesis using static and dynamic panel data regression over the periods 2013Q1- 2018Q4. Diagnostic tests obviously confirm that the dynamic panel regression is more appropriate in estimating profitability because of the dynamic behavior of profitability, instead of the static panel regression. Based on the Concentration Ratio (CR) and the Herfindahl-Hirschman Index (HHI), both provinces face imperfect competition market. Market share positively affect profitability but market concentration has no impact on profitability. The results clearly show that our study supports the RMP hypothesis but fail to confirm the SCP hypothesis. Some control variables such as the level of efficiency and financing rate also affect profitability. A high level of operating efficiency increases more profits and low non-performing financing produce more profits. Our findings suggest that improving operating cost eventually is the key in capitalizing the power of market share. JEL Classification: G21, G24DOI: https://doi.org/10.26905/jkdp.v24i4.4810

An Effective Supervision Model of a Standard Clause for Consumer Protection in the Business Transactions M. Syamsudin; M. Bekti Hendrie Anto; M. Nur Laili Dwi Kurniyanto; Intan Puspitasari
Hasanuddin Law Review VOLUME 3 ISSUE 1, APRIL 2017
Publisher : Faculty of Law, Hasanuddin University

This research aims to form an effective supervision model of a standard clause to protect consumer’s rights and interests. This study answers the questions the effectiveness of a standard clause supervision carried out by Otoritas Jasa Keuangan [Financial Services Authority (OJK)] and Badan Penyelesaian Sengketa Konsumen [Consumer Dispute Settlement Agency (BPSK)]; effective supervision model of a standard clause which can protect the rights and interest of the consumer. The object of this study are OJK and BPSK as a supervision of a standard clause. The result of this research shows that the supervision of standard clause done by those institutions has not been effective yet, this caused by several factors to wit the weakness of implementing regulation in terms of supervision, unclear supervision mechanism, the weakness of socialization related to the rules of standard clause towards business actors, and other weakness and obstacles faced by both institutions. The effective supervision model of standard clause is being formed that based on five points, namely: (1) the needs of institution/agency reformation who authorize to do supervision of standard clause; (2) the needs to determine the scope of duty and authority of standard clause supervision institution; (3) the needs of determination of material range about standard clause subjected to supervision which comprises: the content, the form, the position and the expression; (4) the needs of precise mechanism of standard clause supervision conducted by supervision institution; (5) the needs of following up the supervision results, especially to the business actors who break the standard clause rules.

Performance measurement of Islamic banking in Indonesia using the maqashid sharia index method Adinda Lia Analia; Mohammad Bekti Hendrie Anto
Proceeding of Conference on Islamic Management, Accounting, and Economics CIMAE Volume 2, 2019
Publisher : Proceeding of Conference on Islamic Management, Accounting, and Economics

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to measure the performance of Islamic banking in Indonesia in 2014-2017 using MSI. This research is a quantitative descriptive study using the maqashid sharia index method, with 12 BUS as the object of research. The results of this research indicate that the highest MSI performance ratings were achieved by BPS (34.7%), BSB (32.6%) and BMI (31.6%), while the lowest rank was BTPNS. Islamic banking in Indonesia does not have consistency in applying maqashid sharia as a whole and has a fluctuating performance index. Another result is that the goal of achieving justice is Maqashid Sharia goal which is the main focus of Islamic banking in Indonesia in 2014 - 2017.

Islamic Banks’ Financial Stability and Its Determinants: a Comparison Study With Conventional Banks in Indonesia Zulfikar Bagus Pambuko; Nur Ichsan; MB. Hendrie Anto
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3346

The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI) model for predicting the bank's stability. The analysis began with measuring BSI then using VECM to examine the effect of variables on BSI. The result showed that the BSI of both banking system was exhibiting the moderate level of stability though Islamic banking is more stable and safe way of financing than conventional banking. The shocks of inflation, exchange rate, efficiency, income diversity, liquidity, and Industrial Production Index responded positively by Islamic Bank' stability, while interest rate and market share responded negatively. In another hand, conventional bank' stability responded positively the shock of the exchange rate, income diversity, interest rate, liquidity, and market share, while other variables responded negatively. The results of shocking variables strongly indicated that the conventional banking is more vulnerable than Islamic banking. Islamic banking looked tend to the shock resistance and less volatile. This conclusion, however, might be still questioned as the BSI was not designed specifically for Islamic banking. Therefore, constructing an Islamic BSI (under Islamic banking characters) was important to measure the banking stability more appropriate and to develop a proper early warning system for Islamic banking industry.

Sectoral Financing Concentration and Profitability of Islamic Banking in Indonesia Agus Widarjono; M.B. Hendrie Anto; Sahabuddin Sidiq
Share: Jurnal Ekonomi dan Keuangan Islam Vol 11, No 1 (2022)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v11i1.11133

This paper investigates the extent to which sectoral financing concentration affects the Islamic banks' profitability in Indonesia. As additional control variables, we include bank-specific and macroeconomic conditions. This study utilizes the aggregated financial statements of Islamic banks in Indonesia from January 2010 through December 2019 and analyzed with the Autoregressive distributed lag (ARDL) model. The results confirm cointegration evidence, demonstrating the long-term relationship between the dependent and independent variables. The results clearly indicate that sectoral financing concentration increases the profitability of Islamic banks. Furthermore, excessive financing and high non-performing financing reduce the profitability of Islamic banks. As a financial sector, Islamic banks' performance is contingent on favorable economic and macroeconomic conditions, such as high economic growth and low inflation. These findings imply that Islamic banks must employ skilled workers who are experts in related economic sectors, which is one of the primary goals of Islamic bank financing.========================================================================================================== ABSTRAK – Konsentrasi Pembiayaan Sektoral dan Profitabilitas Bank Syariah di Indonesia. Tulisan ini mengkaji sejauh mana konsentrasi pembiayaan sektoral mempengaruhi profitabilitas bank syariah di Indonesia. Sebagai variabel kontrol tambahan, kami menyertakan kondisi spesifik bank dan variabel makroekonomi. Penelitian ini menggunakan agregat laporan keuangan bank syariah di Indonesia dari Januari 2010 sampai Desember 2019 dan dianalisis dengan model Autoregressive distributed lag (ARDL). Hasil kajian mengkonfirmasi bukti kointegrasi, yang menunjukkan hubungan jangka panjang antara variabel dependen dan independen. Hasil kajian memperjelas bahwa konsentrasi pembiayaan sektoral dapat meningkatkan profitabilitas bank syariah, sementara pembiayaan yang berlebihan dan pembiayaan bermasalah yang tinggi mengurangi profitabilitas bank syariah. Sebagai institusi yang bergerak di sektor keuangan, kinerja bank syariah sangat bergantung pada kondusifitas sistem ekonomi dan kondisi makroekonomi, seperti pertumbuhan ekonomi yang tinggi dan inflasi yang rendah. Temuan ini menyiratkan bahwa bank syariah harus mempekerjakan pekerja terampil yang ahli di sektor ekonomi terkait, yang merupakan salah satu tujuan utama pembiayaan bank syariah.

Investigating the Determinants of Islamic Banks’ Financing Quality: A Regional Approach Fakhrunnas, Faaza; Anto, M. B. Hendrie
International Journal of Islamic Economics and Finance (IJIEF) Vol 7, No 1 (2024): IJIEF Vol 7 (1), January 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v7i1.18532

The quality of Islamic banks’ financing is pivotal to determine the banking performance. When an Islamic bank has good quality of financing activities, the bank can generate more financial return due to less exposure to bad financing. This study aims to investigate the determinants of Islamic banks’ financing quality by considering the regional approach. The study utilized non-performing financing as the proxy of bank’s quality financing. The dependent variables consisted of inflation, financing growth, financing to deposit ratio, and asset. In addition, dummy variables were used to identify the period of the COVID-19 pandemic and the regional effect in Java and other regions outside Java. By adopting panel data analysis, this study observed 33 provinces in Indonesia from January 2004 to October 2021. The findings of the study revealed that the determinant of Islamic banks’ financing quality in consumption scheme was different from equity and investment schemes. Moreover, only Islamic banks’ financing quality in consumption scheme had exposure to inflation risk. Regional influence was present in all sorts of financing schemes at the time the COVID-19 pandemic significantly impacted financing quality in investment and consumption schemes. This study suggests that Islamic banking practitioners and financial authorities should understand the different behavior of each financing scheme in order to maintain Islamic banks’ financing quality.

A Comparative Analysis of Citation Counts in Sinta, Dimensions, and Scopus: A Study of Journals in Islamic Economics, Finance, and Business Sudarsono, Heri; Ardiami, Kinanthi Putri; Anto, Mohammad Bekti Hendrie
Khizanah al-Hikmah : Jurnal Ilmu Perpustakaan, Informasi, dan Kearsipan Vol 12 No 2 (2024): December
Publisher : Program Studi Ilmu Perpustakaan UIN Alauddin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/kah.v12i2a13

This study compared the citation counts of journals in economics, finance, and Islamic business (JEFIB) indexed in three prominent databases: Sinta, Dimensions, and Scopus. JEFIB is indexed in Sinta, with citation data also available from the Dimensions and Scopus databases. A total of five journals were selected from each Sinta category, with the highest citation count from each database—Sinta, Dimensions, and Scopus—being recorded. The citation data were then tabulated for each journal group based on the highest counts from these three databases. The findings reveal that citation counts in Sinta do not always align with those in Dimensions and Scopus, primarily due to differences in the data sources used for citation tracking. Sinta relies on data from Google Scholar, encompassing a broader range of publications, while Dimensions tracks citations from journals indexed by Crossref. Scopus citations, on the other hand, depend on the total number of citations of journal articles included in the Scopus database. Furthermore, the citation counts are influenced by factors such as the number of journal volumes, the total number of published documents, and the accreditation level of the journal. This study underscores the importance of considering citation data from multiple platforms—Sinta, Dimensions, and Scopus—when evaluating the impact of journals within the global academic community.

Investigating the Determinants of Islamic Banks’ Financing Quality: A Regional Approach Fakhrunnas, Faaza; Anto, M. B. Hendrie
International Journal of Islamic Economics and Finance (IJIEF) Vol. 7 No. 1 (2024): IJIEF Vol 7 (1), January 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v7i1.18532

The quality of Islamic banks’ financing is pivotal to determine the banking performance. When an Islamic bank has good quality of financing activities, the bank can generate more financial return due to less exposure to bad financing. This study aims to investigate the determinants of Islamic banks’ financing quality by considering the regional approach. The study utilized non-performing financing as the proxy of bank’s quality financing. The dependent variables consisted of inflation, financing growth, financing to deposit ratio, and asset. In addition, dummy variables were used to identify the period of the COVID-19 pandemic and the regional effect in Java and other regions outside Java. By adopting panel data analysis, this study observed 33 provinces in Indonesia from January 2004 to October 2021. The findings of the study revealed that the determinant of Islamic banks’ financing quality in consumption scheme was different from equity and investment schemes. Moreover, only Islamic banks’ financing quality in consumption scheme had exposure to inflation risk. Regional influence was present in all sorts of financing schemes at the time the COVID-19 pandemic significantly impacted financing quality in investment and consumption schemes. This study suggests that Islamic banking practitioners and financial authorities should understand the different behavior of each financing scheme in order to maintain Islamic banks’ financing quality.

Environmental commitment and Islamic bank performance: Does management quality matter? Fakhrunnas, Faaza; Anto, MB Hendrie
Asian Journal of Islamic Management (AJIM) VOLUME 7 ISSUE 1, 2025
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol7.iss1.art4

Purpose – This study investigates the impact of Islamic banks' environmental commitment on their financial performance. In addition, the moderating role of management quality is employed to assess whether it affects the nexus of environmental commitment and Islamic banks’ financial performance. Methodology – The sample of the study consists of 32 Islamic banks from 12 countries with sufficient environmental commitment reports from 2016 to 2023. A panel data approach is adopted to estimate the models in this study, namely the random effects model (REM), 2-Stage Least Squares (2SLS), and Least Squares Dummy Variable Corrected (LSDVC).Findings – The findings reveal that Islamic banks' commitment to environmental activities supports their financial performance. In addition, the management quality of Islamic banks moderates the relationship between environmental commitment and financial performance. The findings of this study are robust after conducting estimations to check the consistency of the results using several econometric scenarios. Implication – The findings imply the urgency to embrace, practice, and develop environmental commitment in Islamic banking. It can be implemented by policymakers and regulators to spur and demand that Islamic banks have sufficient environmental commitment while operating them. Originality – This study contributes to the precise examination of inconclusive findings on the nexus between environmental commitment and financial performance in global Islamic banks. Moreover, it highlights the role of management quality in the nexus between environmental commitment and financial performance, which remains understudied in prior literature.

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