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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
Putri, Amila Zamzabila
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Religion Economics, Econometrics & Finance Education

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Does Macroeconomic Moderate The Effect of Risk and Diversification on Financial Stability? Evidence from Islamic Commercial Bank Humanita, Salwa Nabella Aksi; Haryono, Slamet; Putri, Amila Zamzabila
EQUILIBRIUM Vol 12, No 1 (2024): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v12i1.24042

Abstract

Islamic banking's financial stability can improve efficiency and health and be able to withstand shocks originating from internal and external factors. This study analyzes the impact of risk, diversification, and inflation on the financial stability of Islamic banking. By using monthly time series data from 2018–2022, the analysis method used is multiple linear regression and moderate regression analysis (MRA) using the Eviews version 10 application. The results showed that the credit risk variable (NPF) has a significant negative relationship to financial stability (Z-Score). As well as the liquidity risk variable (FDR), financing diversification has a significant positive effect on the financial stability of Islamic banking (Z-Score). Macroeconomic variables (inflation) can strengthen the effect of financing diversification and weaken the effect of liquidity risk (FDR), but inflation cannot moderate the effect of credit risk (NPF) on the financial stability of Islamic banking (Z-Score). This study introduces a new theoretical approach to the conceptual relationship between variables. The findings can serve as a reference for monetary authorities in considering the impact of inflation in setting financial stability policies.
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.
Does Macroeconomic Moderate The Effect of Risk and Diversification on Financial Stability? Evidence from Islamic Commercial Bank Humanita, Salwa Nabella Aksi; Haryono, Slamet; Putri, Amila Zamzabila
EQUILIBRIUM Vol 12, No 1 (2024): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v12i1.24042

Abstract

Islamic banking's financial stability can improve efficiency and health and be able to withstand shocks originating from internal and external factors. This study analyzes the impact of risk, diversification, and inflation on the financial stability of Islamic banking. By using monthly time series data from 2018–2022, the analysis method used is multiple linear regression and moderate regression analysis (MRA) using the Eviews version 10 application. The results showed that the credit risk variable (NPF) has a significant negative relationship to financial stability (Z-Score). As well as the liquidity risk variable (FDR), financing diversification has a significant positive effect on the financial stability of Islamic banking (Z-Score). Macroeconomic variables (inflation) can strengthen the effect of financing diversification and weaken the effect of liquidity risk (FDR), but inflation cannot moderate the effect of credit risk (NPF) on the financial stability of Islamic banking (Z-Score). This study introduces a new theoretical approach to the conceptual relationship between variables. The findings can serve as a reference for monetary authorities in considering the impact of inflation in setting financial stability policies.
Equity-Based vs Debt-Based Financing: Which One is More Profitable for Islamic Banks in Indonesia? Al-Banna, Hasan; Putri, Amila Zamzabila; Arifin, Andika Luthfi; Sudah, Moh.
Journal of Business Management and Islamic Banking Vol. 3 No. 1 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v3i1.2341

Abstract

Purpose : The debt-based syndrome is mushrooming across the Islamic Banks worldwide. However, in Indonesia equity-based financing has significant increase in the las several years. Thus, the study aims to examine whether debt-based financing or equity-based financing is more profitable in Indonesia Islamic Banks. Methodology : Fixed effect model (FEM) is used to measure the panel data. For robustness test LSDV is used. Findings : The result revealed that debt-based financing has negative significant influence on the profitability of Islamic Banks (ROA and ROE), while equity-based financing has positive significant influence on profitability of Islamic Banks (ROA and ROE). Moreover, the results are robust. Originality : Present paper attempt to capture the actual conditions of Islamic Banks in Indonesia through the samples used. As the best of author knowledge, this is the first paper which compare between debt-based and equity-based on the profitability of Islamic banks in Indonesia. Research Implications : This research provides some practical contributions for policymaker to boost equity-based financing in dual banking system.
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.
EFFICIENCY OF SDGS IMPLEMENTATION IN VILLAGE SUSTAINABLE DEVELOPMENT TO REDUCE INCOME DISTRIBUTION INEQUALITY Putri, Amila Zamzabila; Choiri, Miftakhul
Jurnal Ekonomi dan Bisnis Airlangga Vol. 34 No. 1 (2024): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V34I12024.46-63

Abstract

Introduction: Village development in Indonesia aims to improve the welfare of the community, especially in terms of income equality. To achieve this goal, people-centered sustainable development is needed. Sustainable development is an effort to improve the quality of life while still trying not to exceed the ecosystem that supports life. Sustainable development in villages can be implemented through the Village SDGs. The Village SDGs include 17 goals that are interconnected with each other. Each goal has specific targets in addressing pressing social, economic, and environmental issues and creating a more just and sustainable future together. The purpose of this study is to determine whether people-centered sustainable development is effective in reducing income distribution inequality and to explain how it affects income distribution inequality. Methods: Using DEA analysis and panel data regression, the research object is 33 provinces in Indonesia. Results: The results show that education and income have a significant negative effect on income inequality. Furthermore, health has a significant positive effect on income distribution inequality. Conclusion and suggestion: Equal access to education, health, and equal income, will be effective in reducing the level of inequality in the community.
Pengaruh Kebijakan Restrukturisasi Pembiayaan dan Tingkat Efisiensi Terhadap Stabilitas Sistem Keuangan Bank Syariah Di Indonesia dengan Ukuran Perusahaan Sebagai Variabel Kontrol (Study Kasus Pada Saat Pandemi Covid 19 Tahun 2019-2021) Putri, Amila Zamzabila
Jurnal Magister Ekonomi Syariah Vol. 2 No. 1 Juni (2023): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2023.021-07

Abstract

The financial system in a country is a very important sector, so it is very important to keep the financial system stable. The financial system's stability can measure bank resilience in dealing with the impact of the financial crisis. The phenomenon of the crisis that is being experienced by Indonesia is a crisis due to the pandemic Covid 19 which has an effect on economic health around the world. For this reason, in this study, they want to know the effect of restructuring policies and the level of bank efficiency on the financial stability of Islamic banks. Quantitative research with secondary data from the results of the financial statements of each bank used in this study. PanelData Regression Method Using 6 Islamic Banks used as a research sample with a time period from Q1 in 2019 to Q4 in 2021. The results of the study show that the restructuring policy and company size have a significant positive effect on the financial stability of Islamic banks, while the variables of the level of efficiency projected have no effect on the financial stability of Islamic banks.
Co-Authors Al-Banna, Hasan Arifin, Andika Luthfi Humanita, Salwa Nabella Aksi Miftakhul Choiri Muhammad Wakhid Musthofa Nur Izza, M. Yusril Hafidz Slamet Haryono Sudah, Moh.