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All Journal ETIKONOMI JURNAL ECONOMIA Economic Journal of Emerging Markets JEJAK Jurnal Ekonomi & Studi Pembangunan Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Global Review of Islamic Economics and Business Tazkia Islamic Finance and Business Review Al Tijarah International Journal of Islamic Economics and Finance (IJIEF) Jurnal Ekonomi & Keuangan Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Proceeding of Conference on Islamic Management, Accounting, and Economics Journal of Islamic Monetary Economics and Finance BALANCE: Economic, Business, Management and Accounting Journal Journal of Contemporary Accounting ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Economic Development Analysis Journal
Faaza Fakhrunnas
Department Of Economics Universitas Islam Indonesia, Yogyakarta
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Journal : ETIKONOMI

 1 
Is the COVID-19 Matters for Islamic Banking Performance? A Cross-Countries Analysis Rindang Nuri Isnaini Nugrohowati; Faaza Fakhrunnas
ETIKONOMI Vol 23, No 1 (2024)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v23i1.31243

Abstract

Research Originality: Considering the originality of the study to have a deeper investigation on the impact of the pandemic on bank’s risk and return.Research Objectives: This study aims to identify the impact of Covid-19 on bank performance and risk levels.Research Methods: This study focuses on Islamic banks in 12 countries with the most developed financial sector during the 4th quarter of 2016 to the 1st quarter of 2022. The data analysis method in this study adopts panel data analysis with a fixed effect model.Empirical Results: The finding of the study shows that the Covid-19 pandemic resulted in a decline in the performance of Islamic banks, as seen from the ratio of return on average asset, return on equity, net profit margin, return on average asset, and return on average equity. However, an interesting finding from this research is that there is no concern about worsening bank risk levels as reflected in the nonperforming financing, Z-Score, and leverage ratio. Meanwhile, the control variables, bank size and inflation rate, also affect the performance and risk of Islamic banks.Implications: The study implies that banking practitioners and financial authority for the banking sector are required to issue some financial strategies in order to achieve and maintain a certain level of financial performance, especially during financial turmoil. JEL Classification: G20, G21, G28 How to Cite:Nugrohowati, R. N. I., & Fakhrunnas, F. (2024). The COVID-19 Matters for Islamic Banking Performance? A Cross-Countries Analysis. Etikonomi, 23(1), 201 – 218. https://doi.org/10.15408/etk.v23i1.31243.
Credit Risk, Liquidity, and Financial Stability: An Investigation in the Indonesian Banking Sector Fakhrunnas, Faaza
ETIKONOMI Vol. 25 No. 1 (2026)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v25i1.44917

Abstract

Research Originality: This study offers a clear and precise investigation into the relationship between credit risk, liquidity, and financial stability, addressing the inconclusive findings in prior literature. In addition, a nonlinear approach is adopted to capture the dynamic interaction of credit risk and liquidity on financial stability Research Objectives: The study aims to assess the influence of Islamic banks' credit risk and liquidity on financial stability in the Indonesian banking sector. Research Method: Utilizing time series data ranging from 2004m1 to 2022m8, a nonlinear autoregressive distributed lag (NARDL) approach is adopted to measure the impact of credit risk and liquidity on financial stability. Empirical Results: The findings of the study reveal that it has nonlinear, symmetric, and asymmetric effects between independent variables and dependent variables. In the short run, only credit risk has a significant relationship, while in the long run, either credit risk or liquidity affects financial stability significantly. Implications: The study's results imply that Islamic banks must implement liquidity monitoring and a credit risk early warning system. At the regulatory level, tailor-made liquidity instruments and encouraging Islamic banks to have a larger capital buffer need to be introduced and regulated. JEL Classification: G20, G21, G29
Co-Authors Albana, Hilman Fikri Annisa Zanuar Rahma Annisa, Intan Tri Ardiami, Kinanthi Putri Boubechtoula, Younes Een Nuraeni El Hasanah, Lak lak Nazhat Fadillah, Abi Hengchao, Zhang Intan Tri Annisa Jannatul Liutammima Musta'in Jannatul Liutammima Musta’in Katiya Nahda, Katiya Kenc, Turalay MB Hendrie Anto Mochamad Ali Imron Muhammad Hamdan Syafieq bin Ahmad Musta'in, Jannatul Liutammima Mustika Noor Mifrahi Nahar, Faiza Husnayeni Nugrohowati, Rindang Nuri Isnaini Rahma, Annisa Zanuar Ramadhani, Almadita Rezoanul Hoque, Mohammad Rindang Nuri Isnaini Nugrohowati Tumewang, Yunice Karina Tumewang, Yunice Karina Wulan Dari Zhang, Hengchao Zulkufly Ramly