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All Journal Jurnal Ilmiah Ekonomi Islam Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Ambawani, Firdaina Nanda Puan
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Pengaruh Kebijakan Moneter dan Makroprudensial terhadap Risiko Kredit di Bank Umum Syariah Periode 2018-2022 Ambawani, Firdaina Nanda Puan; Wahyudi, Agung
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11749

Abstract

Abstract The impact of the financial crisis at the end of 2008 resulted in the financial sector losing its ability to mitigate risk, in turn causing increased credit risk. The aim of the study is, of course, to understand the impact of monetary policy and macroprudential on credit risks in Indonesia's non-allocation financing (NPF). The study USES the data panel that has been processed through eviews 10 and applied with multiple linear regression analysis, specifying five different types of cellular general Banks that fit the criteria as a sample of observation during the 2018-2022 period. Research shows that bi rate as a monetary policy proxy and mandatory minimum requirement (GWM) as a macroprudensian policy proxy does not significantly affect credit risk. However, those capital inequality ratios have a significant negative impact on credit risk, while those variables financing to depositite ratios have significant positive effects on credit risk. Monetary policy and macroprudencies are crucial to systemic risk, particularly credit risk in the financial sector, especially at sharia general bank.
Effects of Diversification, Bank Size and Bank Competition on Profitability of Islamic Banks Ambawani, Firdaina Nanda Puan; Muharrami, Rais Sani
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2024: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/iseth.5420

Abstract

Purpose: This study aims to analyse the effects of diversification, bank size and bank competition on the profitability of Islamic banks for the period 2019-2023. Methodology: The data was taken from the financial statements published on each bank's website, the Financial Services Authority (OJK), the Central Bureau of Statistics (BPS), and Bank Indonesia. This study uses quantitative research methods with a panel data regression approach. This study covers 10 Islamic banks with the largest assets from 2019-2023. Based on the criteria obtained through purposive sampling method, six samples or 30 data were obtained and data analysis was carried out using eviews 10. Results: Diversification increases the profitability of Islamic banks, with proper diversification banks will minimise the risk of dependence on one product. Bank Size and Bank Competition are negative indicating that in terms of assets and competition these six banks have not controlled the banking market share so that it does not affect the profitability of Islamic banks. Applications/Originality/Value: This study contributes not only to the existing literature, but also paves the way for further research exploring the interplay between diversification, bank size and bank competition in the Islamic banking sector.
Pengaruh Kebijakan Moneter dan Makroprudensial terhadap Risiko Kredit di Bank Umum Syariah Periode 2018-2022 Ambawani, Firdaina Nanda Puan; Wahyudi, Agung
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11749

Abstract

Abstract The impact of the financial crisis at the end of 2008 resulted in the financial sector losing its ability to mitigate risk, in turn causing increased credit risk. The aim of the study is, of course, to understand the impact of monetary policy and macroprudential on credit risks in Indonesia's non-allocation financing (NPF). The study USES the data panel that has been processed through eviews 10 and applied with multiple linear regression analysis, specifying five different types of cellular general Banks that fit the criteria as a sample of observation during the 2018-2022 period. Research shows that bi rate as a monetary policy proxy and mandatory minimum requirement (GWM) as a macroprudensian policy proxy does not significantly affect credit risk. However, those capital inequality ratios have a significant negative impact on credit risk, while those variables financing to depositite ratios have significant positive effects on credit risk. Monetary policy and macroprudencies are crucial to systemic risk, particularly credit risk in the financial sector, especially at sharia general bank.
Co-Authors Agung Wahyudi Muharrami, Rais Sani