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All Journal INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) Adpebi International Journal of Multidisciplinary Sciences
Syarif, Azmi
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Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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CREDIT RISK IN ISLAMIC BANKING: AN IN-DEPTH ANALYSIS OF CREDIT RISK MANAGEMENT AND RISK-SHARING MECHANISMS IN INDONESIAN ISLAMIC FINANCIAL INSTITUTIONS Alfiana , Alfiana; Budi Utomo, Sulistyo; Syafri, Muhammad; Amin, Al-; Syarif, Azmi
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 3 No. 1 (2024): JANUARY
Publisher : ADISAM Publisher

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Abstract

This research extensively examines credit risk management within the unique realm of Islamic banking institutions operating in Indonesia. Islamic finance, guided by principles of ethical finance and profit-and-loss sharing (PLS) contracts, introduces distinctive complexities into the credit risk domain. The primary objective is to scrutinize the intricacies of credit risk management in Islamic banking, particularly in the Indonesian context, a significant hub for Islamic finance. The study dissects several complex dimensions: It delves into the profound intricacies of risk-sharing mechanisms inherent in Islamic finance. The research explores how profit-and-loss sharing contracts, like Mudarabah and Musharakah, reshape credit risk dynamics and the distribution of risk between financial institutions and clients. Additionally, the research investigates the unique collateralization methods in Islamic banking, compliant with Sharia principles, and their impact on credit risk and recovery processes following default. A detailed analysis of diverse contractual structures used in Islamic finance, including Ijarah and Murabahah, assesses their influence on credit risk profiles and risk mitigation strategies. Moreover, the study examines the regulatory framework governing Islamic finance in Indonesia, considering how regulators harmonize Islamic financial principles with the imperative of maintaining financial stability. The complexities of default management and recovery procedures in Islamic finance are also explored, encompassing debt restructuring, arbitration, and Sharia-compliant debt recovery mechanisms. This research combines quantitative analysis and qualitative investigation to understand Indonesian Islamic banking comprehensively. The findings offer valuable insights into the intricate landscape of credit risk within Islamic finance, with broader implications for the global industry.
The Influence of Financial Attitude, Financial Knowledge, and Personal Income on Personal Financial Management Behavior SYARIF, AZMI; Putri, Anne
Adpebi International Journal of Multidisciplinary Sciences Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v1i1.226

Abstract

This research aims to analyze the effect of financial attitude, financial knowledge, and personal income on personal financial management behaviorMethodology/approach – This research uses quantitative methods. Data processing and hypothesis testing using SmartPLS Version 3.2.9. This research was conducted at PT. Bank Tabungan Negara (Persero) Tbk Padang Branch, West Sumatra Province, Indonesia. The sampling technique used is the saturated sampling technique. The sample used is 92 respondents.Findings – It was found that. financial attitude and financial knowledge have a positive and significant effect on personal financial management behavior. Personal income has a positive and insignificant effect on personal financial management behavior.Novelty/value – financial attitude, financial knowledge are important factors that influence personal financial management behavior. While personal income does not affect personal financial management behavior. However, these indicators remain important in improving personal financial management behavior, especially by paying attention to indicators of financial attitude, financial knowledge and personal income.
Co-Authors Alfiana , Alfiana Amin, Al- Anne Putri Budi Utomo, Sulistyo Muhammad Syafri, Muhammad