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All Journal Economica: Jurnal Ekonomi Islam Jurnal Ekonomi & Keuangan Islam
Sintarini, Fitriasari
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Economics, Econometrics & Finance Social Sciences Other

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Cash Flow Risk and Financial Balance: Evidence from Islamic Rural Banks in Indonesia Hendri, Zul; Shuib, Sollehudin; Widarjono, Agus; Sintarini, Fitriasari
Economica: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.1.25835

Abstract

This study delves into the impact of funding liquidity risk (FLR) counting, including several bank-specific variables and the Coronavirus outbreak, on the balance of Islamic rural banks (IRBs) in Indonesia. Utilizing unbalanced quarterly panel data from 97 IRBs in Java from 2015 (Q1) to 2023 (Q4), the analysis is conducted using panel data regression. The results confirm that FLR significantly decreases bank stability. However, this negative influence was notably weakened during the COVID-19 Crisis. The analysis further reveals that the negative outcome of FLR on stability is more pronounced in smaller IRBs compared to their larger counterparts. Additionally, the findings show that while bank capital and operational efficiency enhance balance, factors such as larger bank size, high financing levels, and the pandemic period itself tend to reduce it. This research offers two key implications. Theoretically, it highlights how FLR can erode stability, a risk amplified when banks undertake high-risk investments. Practically, it underscores the critical need for especially the smaller IRBs to proactively manage asset-liability maturity mismatches to ensure financial stability.
The Nexus between risk and bank stability in the Indonesian Islamic Rural Bank Hendri, Zul; Arshad, Noraziah Che; Rahmany, Sri; Wiharto, Slamet; Sintarini, Fitriasari
Jurnal Ekonomi & Keuangan Islam Volume 11 No. 2, July 2025
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol11.iss2.art8

Abstract

Purpose – This study examines the relationship between bank risk and stability in the case of the Islamic Rural Bank (IRB) of Indonesia.Methodology – This study analyzes 154 Islamic Rural Banks (IRBs) from 2015 to 2023 using quarterly data. It employs a static panel data regression with unbalanced data. The final regression model was selected using the F-test, LM test, and Hausman test to compare the common, fixed, and random effect methods.Findings – Liquidity and financing risks have a negative relationship with IRB stability. The negative impact of financing risk on IRB stability decreased during Covid-19. The negative effects of liquidity risk on IRBs' stability of IRBs increased for IRBs on Java. In contrast, the negative impact of financing risk on stability decreased for IRB located in and outside Java.Implications – First, IRB must effectively manage their liquidity risk to maintain bank stability. Second, IRBs must reduce non-performing financing (NPF) to encourage bank stability. Third, banks’ operational and capital efficiencies must be improved.Originality – This study aims to fill the existing research gap by analyzing the effect of liquidity and financing risks on the stability of the Islamic Rural Bank as a small Islamic bank. Furthermore, this study includes the Covid-19 variable as a moderating variable that affects the effect of liquidity and financing risks on IRB stability.
Co-Authors Agus Widarjono Hendri, Zul Noraziah Che Arshad, Noraziah Che Rahmany, Sri Shuib, Sollehudin Slamet Wiharto, Slamet