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All Journal Jurnal Ekonomi dan Bisnis Islam (JEBI) Journal of Islamic economics Perspectives (JIEP)
Malik, Fery Maulana
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Religion Economics, Econometrics & Finance Education Social Sciences

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Macroeconomic Impact on the Risk Profile of Islamic Commercial Banks in Indonesia Malik, Fery Maulana; Asayesh, Hamid; Abu Gunawan, Lalu; Pulungan, Ismail
Journal of Islamic Economics Perspectives Vol. 7 No. 1 (2025): February (2025) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/c53t5h58

Abstract

As a member of the G20, Indonesia has demonstrated economic stability with an average growth of 5.05% by 2024. Islamic commercial banks play an important role in supporting the national economy through Sharia-based financing, which is more stable than traditional banks. However, macroeconomic fluctuations such as inflation, GDP, BI rate, and exchange rates can impact Non-Performing Financing (NPF) as an indicator of credit risk. High NPF can affect the profitability and operational sustainability of Islamic commercial banks. Therefore, a deep understanding is required to maintain the stability of this sector. The aim of this study is to analyze the impact of macroeconomic factors on the NPF of Islamic commercial banks in Indonesia. With a quantitative approach using secondary data from quarterly reports for the period 2021-2023 and analyzed using multiple linear regression with panel data on nine Islamic commercial banks that meet the criteria, namely Bank Aladin Syariah, Bank Victoria Syariah, Bank Jabar Banten Syariah, Bank Panin Dubai Syariah, Bank Mega Syariah, Bank BCA Syariah, Bank BTPN Syariah, Bank Syariah Indonesia, and Bank Muamalah Indonesia. The findings indicated that inflation exerts a substantial impact on Non-Performing Financing (NPF). Conversely, Gross Domestic Product (GDP), Bank Indonesia (BI) rate, and exchange rate do not exhibit any influence on NPF. Nevertheless, concurrently, inflation, GDP, BI rate, and exchange rate collectively demonstrate a significant effect on NPF. This suggests that these variables interact with one another and play a role in altering the quality of financing extended by Islamic commercial banks.
Peran Ekonomi Digital Berbasis Literasi Keuangan Laku Pandai dalam Mendorong Inklusi Keuangan di Indonesia Sugianto, Sugianto; Mutiara, Ratna; Malik, Fery Maulana
Jurnal Ekonomi dan Bisnis Islam (JEBI) Vol. 5 No. 2 (2025): September
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAMMM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jebi.v5i2.3615

Abstract

Ekonomi digital memacu perubahan global, termasuk di Indonesia, dengan keuangan inklusif menjadi faktor utama dalam mendukung pertumbuhan berkelanjutan serta mengurangi kesenjangan sosial Artikel ini bertujuan untuk membahas tiga fokus, yang mencangkup pertumbuhan ekonomi digital di Indonesia, perkembangan inklusi keuangan di Indonesia,  serta peran literasi keuangan laku pandai. Studi ini menerapkan metodologi kualitatif dengan jenis penelitian pustaka dan pendekatan analisis deskriptif. Analisis deskriptif digunakan sebagai kerangka kerja penelitian. Temuan hasil menunjukkan; pertama, Indonesia menjadi negara dengan pertumbuhan ekonomi digital tercepat, diperkirakan mencapai Rp 1.796 triliun pada 2024, didukung e-commerce, ride-hailing, dan fintech. Teknologi digital juga mendorong inovasi di sektor pariwisata, ekonomi kreatif, dan UMKM, dengan lebih dari 180 juta pengguna internet aktif pada 2023. Kedua, Inklusi keuangan Indonesia tumbuh pesat, ditargetkan 90% pada 2024, didukung fintech, LKD, dan laku pandai. Penggunaan e-money mencapai 772,57 juta unit pada 2022, sementara pandemi mendorong pembukaan 789.025 rekening baru. Ketiga, Program Laku Pandai meningkatkan inklusi keuangan, khususnya di pedesaan, melalui agen bank tanpa kantor. Agen BRILink mendominasi dengan 422.160 agen pada 2020, membantu pengusaha mikro mengakses tabungan, kredit, dan asuransi, mendukung ekonomi inklusif.
Co-Authors Abu Gunawan, Lalu Asayesh, Hamid Ismail Pulungan Mutiara, Ratna Sugianto Sugianto