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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) Share: Jurnal Ekonomi dan Keuangan Islam Economic Development Analysis Journal
Faaza Fakhrunnas
Department Of Economics Universitas Islam Indonesia, Yogyakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Journal : Economic Journal of Emerging Markets

 1 
Macroeconomic effect and risk-taking behavior in a dual banking system Faaza Fakhrunnas; Wulan Dari; Mustika Noor Mifrahi
Economic Journal of Emerging Markets Volume 10 Issue 2, 2018
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol10.iss2.art5

Abstract

This study aims to analyze the relationship between macroeconomic factors and risk-taking behavior in a dual banking system. Adopting a panel cointegration approach, this research posits macroeconomic factors as exogenous variables and risk-taking behavior as endogenous variables. With having 468 quarterly-observations consisting of 18 banks in Indonesia during 2010-Q4 to 2017-Q1, it finds that the risk-taking behavior of the banks has a long-term relationship with macroeconomic factors. Moreover, conventional bank has long-term relationship to macroeconomic nonetheless it results inversely to Islamic bank. In terms of bank-specified characteristics, bank size and equity to asset ratio are substantial factors for the banks’ risk mitigation.
Islamic banks credit risk performance for home financing: Before and during Covid-19 pandemic MB Hendrie Anto; Faaza Fakhrunnas; Yunice Karina Tumewang
Economic Journal of Emerging Markets Volume 14 Issue 1, 2022
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol14.iss1.art9

Abstract

Purpose ― This study aims to assess the home financing credit risk performed by Islamic banks in Indonesia. Methods ― A panel dynamic analysis is adopted to measure the bad loan performance before and during the Covid-19 pandemic. The observation period started from January 2016 to September 2020 with 1,881 observation periods of monthly panel data from the province level. Findings ― The study finds a difference in bad loan performance before and during the Covid-19 pandemic. Before this pandemic, inflation has a positive and significant influence on non-performing financing in real estate, rental business, and company service. However, during the Covid-19 pandemic, a substantial and positive effect of inflation is found on the bad loan for personal flat and apartment ownership. On the other hand, a significant and negative impact of inflation is found on the bad home loan for personal business shop ownership. Implication ― This analysis could trigger the government to provide financial assistance for those affected by the Covid-19 crisis. In addition to that, an Islamic bank is also expected to give financing allowances for them by providing an option of debt restructuration and rescheduling. Originality ― This paper analyses the Islamic bank’s credit risk performance for home financing before and during the Covid-19 pandemic. This issue has not been presented in the literature to the best of our knowledge.
Islamic bank stability and efficiency: A cross-country analysis Fakhrunnas, Faaza; Boubechtoula, Younes; Nahda, Katiya; Rezoanul Hoque, Mohammad
Economic Journal of Emerging Markets Volume 16 Issue 2, 2024
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol16.iss2.art2

Abstract

Purpose ― The study investigates the impact of the efficiency of Islamic banks on banking stability. Method ― A panel data analysis using the Least Square Dummy Variable Corrected (LSDVC) method is employed to examine the impact of efficiency on banking stability in Islamic banks. The study has a sample of 54 Islamic banks across eight countries from 2013 to 2021.Findings ― The findings reveal that the efficiency of Islamic banks has a positive and significant effect on banking stability. In addition, financial turmoil negatively and significantly affects the stability of Islamic banks but does not significantly affect institutional development. Additionally, financial turmoil can influence how effectively Islamic banks manage their businesses in response to banking stability. The outcomes are robust across various robustness methods. Implications ― The results imply that the efficiency of Islamic banks has a pivotal role in banking stability, considering the efficiency level. To ensure the stability of Islamic banks, practitioners and regulators of Islamic banks have to achieve and maintain the efficiency of Islamic banks by implementing the required policies and guidelines.Originality/Value ― Previous studies examining the impact of Islamic banks' efficiency on banking stability remain limited. The paper fills the research gap by examining how Islamic bank efficiency affects banking stability, considering the effects of financial turmoil and institutional development.
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