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All Journal EQUILIBRIUM JURNAL EKONOMI DAN BISNIS AIRLANGGA JIET (Jurnal Ilmu Ekonomi Terapan) Equilibrium: Jurnal Ekonomi Syariah Journal of Business Management and Islamic Banking Jurnal Magister Ekonomi Syariah Sunan Kalijaga: Islamic Economics Journal
Putri, Amila Zamzabila
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Religion Economics, Econometrics & Finance Education Social Sciences

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Journal : JIET (Jurnal Ilmu Ekonomi Terapan)

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The Study of the Impact of Macroeconomic Stability and Crisis Effects on MSMEs Financing of Sharia Commercial Banks in Indonesia Putri, Amila Zamzabila; Musthofa, Muhammad Wakhid
Jurnal Ilmu Ekonomi Terapan Vol. 8 No. 2 (2023)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v8i2.45989

Abstract

The COVID-19 pandemic epidemic that the Indonesian state experienced caused a crisis in the economy that has negatively impacted the country's economy. 2020 has seen a slowdown in the rate of economic growth, which has made it more difficult for MSMEs operations to get bank capital loans. Every year, sharia commercial banks have allocated less finance to MSMEs. Because of this, many MSMEs encounter a capital shortage during their production process. Due to this, the aim of this study is to investigate how macroeconomic variables”interest rates, inflation, and the impact of the economic crisis”act as financial factors and how much of the channel sharia commercial banks can finance MSMEs. sharia commercial banks that are registered with the Financial Services Authority (OJK) between 2019 and 2021 are the object of this study. This study uses secondary data in a quantitative research. In this study, data analytic techniques included multiple linear regression analysis, hypothesis testing, and classical assumption testing. The findings indicate that the interest rate variable and the effects of the economic crisis had a significant negative impact on the MSMEs financing. On the other hand, the MSMEs finance was significantly positively impacted by the inflation variable.
Comparative Effects of Profitability and Risk Management on Financial Stability in A Dual Banking System: Does Yield Matter? Nur Izza, M. Yusril Hafidz; Putri, Amila Zamzabila
Jurnal Ilmu Ekonomi Terapan Vol. 9 No. 2 (2024)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v9i2.58254

Abstract

This study aims to examine the impact of risk management and profitability on the stability of conventional and Islamic commercial banks in Indonesia and to assess whether yield can moderate this effect. The research analyzes data from Indonesian Sharia and conventional commercial banks from 2016 to 2023 using fixed-effects panel data regression with robust standard errors. The findings reveal that Sharia banks exhibit greater risk resilience than conventional banks, demonstrating a lower probability of instability. Additionally, yield enhances the effect of non-performing financing (NPF) on bank stability in Sharia banks and mitigates the impact of non-performing loans (NPL) in conventional banks. These results offer valuable insights for policymakers and contribute to the literature by highlighting the need for a balanced approach to ensure that bank profitability enhances stability rather than undermines it. It underscores that higher profits are not inherently beneficial, nor are lower profits necessarily detrimental. Banks must strike a balance, maintain public trust, and promote prudent risk management to achieve long-term stability.
Co-Authors Abdul Qoyum Al-Banna, Hasan Arifin, Andika Luthfi Humanita, Salwa Nabella Aksi Miftakhul Choiri Muhammad Wakhid Musthofa Nur Izza, M. Yusril Hafidz Slamet Haryono Sudah, Moh.