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All Journal Global Review of Islamic Economics and Business Sebelas Maret Business Review
Pratiwi, Desti Indah
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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How does equity financing impact non-performing financing? Evidence from Indonesia Melati, Sophis Listy; Risfandy, Tastaftiyan; Pratiwi, Desti Indah; Hartomo, Deny Dwi
Global Review of Islamic Economics and Business Vol. 12 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2024.122-02

Abstract

This study aims to investigate the impact of equity financing on non-performing financing (NPF) in Islamic commercial banks in Indonesia. To address this issue, we conducted a panel data regression analysis on 12 Islamic commercial banks in Indonesia from 2010 to 2022. The finding of this study suggests that an increase in equity financing is associated with a lower NPF ratio of Islamic banks. While it is theoretically argued that Islamic banks’ equity financing may be associated with higher risk, our empirical evidence indicates the opposite, suggesting an improved risk profile. Indonesia presents a favorable environment for the application of equity financing for Islamic banks because large Islamic banks in Indonesia are often government-owned, which can lead to“safe” loan portfolios and strong loan repayment. Indonesia is also considered a religious country, creating a suitable environment for mudarabah and musharakah financing. Our findings suggest that Islamic banks in Indonesia should consider offering more equity financing, particularly for low-risk projects, such as those initiated by the governments.
Measuring stability in Islamic rural banks: The influence of bank concentration and capital Pratiwi, Desti Indah; Fadli, Adennia Oktaviana; Setyowati, Arum
Sebelas Maret Business Review Vol 8, No 2 (2023): December 2023
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v8i2.79715

Abstract

The Islamic Rural Bank, commonly referred to as BPRS in Indonesia, is a vital player in the country's economic landscape, providing limited banking services rooted in Islamic principles. BPRS serves as an economic catalyst across various regions, including both urban and rural areas, thereby shaping the level of concentration, capital ownership, and stability in the financial sector. This study centers its focus on BPRS, a unique financial institution that contributes significantly to the nation's economy. The research, conducted throughout Indonesia in 2020 from the first to the fourth quarter, offers fresh insights into BPRS as a subject of study. By employing quantitative methods, the study endeavors to explore the impact of concentration and capital ownership on the stability of BPRS in Indonesia. Interestingly, the findings in this research suggest that concentration levels don't provide a clear explanation of the relationship between BPRS concentration and stability. On the other hand, BPRS capital ownership is positively and significantly related to stability, indicating that a strong capital base enhances the overall stability of these Islamic rural banks. These results offer valuable insights into the financial dynamics of BPRS in Indonesia, providing essential information for policymakers and stakeholders as BPRS continues to drive the nation's economic development.
The merger of Islamic banks and their impact on the stability of the country's economy Pamungkas, Putra; Pratiwi, Desti Indah; Bakkar, Yassine
Sebelas Maret Business Review Vol 7, No 2 (2022): December 2022
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v7i2.55845

Abstract

Mergers are familiar in economic terms, one of which is in the banking sector. Indonesia's banking sector adopting a dual banking system, namely the operation of conventional and Islamic banks, has caused the Indonesian people to have the choice to entrust their finances to one of the two types of banks. Not long ago, the Indonesian government announced that the three Islamic banks, which are part of the three conventional banks, would merge and change their name to Bank Syariah Indonesia (BSI). Of course, this decision is not easy, but it is a decision taken after careful consideration from the banking and economic perspective. Based on data from OJK, the total assets in the second quarter of Islamic banking in 2021 after the merger was recorded to have increased by 16.4 percent compared to the previous year’s period. This increase is in line with Bank Syariah Indonesia (BSI) financial report data in the first and second quarters, namely with second quarter total assets of 481 trillion rupiah and second quarter total liabilities of 435 trillion rupiahs. Based on these facts and data, this article aims to determine the impact of the merger of the three Islamic banks on the strengthening and stability of the Indonesian economy by comparing data from before and after the merger of Islamic banks in Indonesia.
Co-Authors Bakkar, Yassine Deny Dwi Hartomo Fadli, Adennia Oktaviana Melati, Sophis Listy Pamungkas, Putra Setyowati, Arum Tastaftiyan Risfandy, Tastaftiyan