Article Per Year (5 Year)
p-Index From 2020 - 2025
0.408
P-Index
This Author published in this journals
All Journal ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Journal of Islamic Economics, Management, and Business (JIEMB)
Ifada, Khusnul
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Determinants of Islamic banking financing in Indonesia: An empirical analysis of internal and macroeconomic factors Rahmayanti, Dini; Batin, Mail Hilian; Suryati, Suryati; Ariyani, Diyah; Ifada, Khusnul
Journal of Islamic Economics Management and Business (JIEMB) Vol. 5 No. 1 (2023)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2023.5.1.15220

Abstract

This article examines the internal and macroeconomic determinants affecting Islamic banking financing in Indonesia, focusing on Sharia Commercial Banks, Sharia Business Units, and Sharia People’s Financing Banks. Using a quantitative methodology with monthly panel data spanning from 2019 to 2022, the study employs Vector Autoregression (VAR) and Vector Error Correction Model (VECM) techniques. The analysis incorporates variables such as Total Assets, Third Party Funds (TPF), Net Operating Margin (NOM), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Return on Assets (ROA), Equivalent Rates of mudharabah and musyarakah, BI Rate, and Inflation. Findings reveal that in the long run, TPF, NOM, ROA, and the Equivalent Rate of Musyarakah positively influence Islamic banking financing, whereas NPF and inflation exert a significant negative impact. In the short run, TPF, NOM, ROA, and the Equivalent Rate of Mudharabah are significant influencers of financing. These results highlight the critical role of effective fund management and a stable economic climate in fostering the expansion of Islamic banking financing. The study offers valuable insights for policymakers and banking institutions aiming to improve financial inclusion and economic stability through enhanced Islamic banking practices.
Integration of financing and macroeconomic shock in Islamic banking in Indonesia Rahmayanti, Dini; Batin, Mail Hilian; Suryati, Suryati; Ariyani, Diyah; Ifada, Khusnul
Asian Journal of Islamic Management (AJIM) VOLUME 5 ISSUE 2, 2023
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol5.iss2.art6

Abstract

Purpose – This study analyzes the relationship between Islamic banking financing and macroeconomic variables as well as its response to key economic variables.Methodology – The research design uses quantitative analysis with Islamic banking panel data for the period 2019-2022 with monthly data, and the study used the Vector Error Correction Model (VECM).Findings – Non Performing Financing (NPF) and Inflation negatively impact Islamic banking financing. Meanwhile, Third Party Funds (Dana Pihak Ketiga, DPK), Net Operating Margin (NOM), Return on Assets (ROA), Equivalent Rate of Musyarakah (ERPMUSY), and BI rates have a positive direction of significance for Islamic banking financing. In the Granger causality test, the interaction between the variables was unidirectional. While Islamic banking financing responds to shocks, many financings respond negatively to the shocks that occur.Implications – Islamic Financing responds significantly in a negative direction as a result of the shocks that occur in each variable and based on long-term estimates. Therefore, Islamic banking needs to supervise and resolve the internal influence of each bank, as well as the macro influence that can be felt in the long term on Islamic banking financing.Originality – This research integrates Islamic banking finance in Indonesia and examines how internal and macro variables can influence the financing disbursed to Islamic banking in Indonesia. This study also examines shocks between variables and tests the Granger causality between variables. Islamic banking needs to pay attention to many factors to minimize bad financing or lack of interest in applying for financing.
Co-Authors Ariyani, Diyah Mail Hilian Batin Rahmayanti, Dini Suryati Suryati