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p-Index From 2021 - 2026
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All Journal Shirkah: Journal of Economics and Business Maliki Islamic Economics Journal
Yenny Kornitasari
Graduate School of International Development (GSID), Nagoya University
Religion Economics, Econometrics & Finance Social Sciences

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Do Political Risks Influence Sharia Bank Stability? The Case of Southeast Asia Zulfa Muasaroh Binti Rahmawati; Titis Miranti; Ulfi Kartika Oktaviana; Yenny Kornitasari
Shirkah: Journal of Economics and Business Vol. 10 No. 2 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v10i2.752

Abstract

The present study examines the influence of political risk on the stability of Sharia banks in Southeast Asia, a region characterized by rapid economic growth alongside significant political uncertainties. This study aims to fill a gap in the existing literature, which has largely focused on other regions like the Middle East and North Africa. This study employs a quantitative methodology, utilizing panel data regression with a Fixed Effects Model to analyze data from 17 of the largest Sharia banks in Southeast Asia over the period of 2018-2022. The data for the study were obtained from the annual financial reports of these banks. The key findings indicate that political risk has a significant negative impact on the stability of Sharia banks in the region. In contrast, the quality of regulation and the total assets of the banks were found to have a significant positive influence on their stability. Other internal factors, such as the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Return on Assets (ROA), did not show a statistically significant effect on bank stability in the context of this study. The results emphasize the importance for policymakers and regulators in Southeast Asian nations to actively manage political risks and continuously improve the quality of financial regulations to ensure the resilience of the Sharia banking sector. This research contributes valuable insights for academics, bankers, and government authorities by highlighting the crucial role of the political and regulatory environment in maintaining the stability of Islamic financial institutions.
Asymmetric Effects of Financing Models on Islamic Rural Bank Profitability: The Moderating Role of Socioeconomic Factors and Credit Risk Akbar Surya Maulana; Titis Miranti; Yenny Kornitasari
Maliki Islamic Economics Journal Vol 6, No 1 (2026): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v6i1.41120

Abstract

This study aims to analyse the impact of Profit and Loss Sharing (PLS) and Non-PLS financing on the profitability of Rural Islamic Banks (BPRS) in Indonesia, incorporating Non-Performing Financing (NPF), financial literacy, and the inequality index as moderating variables. A quantitative approach is employed, utilizing panel data from BPRS for the period 2011–2024, which includes 644 observations from 44 BPRS in Indonesia. The analysis is conducted using panel data regression and Moderated Regression Analysis (MRA). The findings reveal that PLS financing exerts a positive and significant effect on profitability, whereas non-PLS financing does not exhibit a significant effect. NPF moderates the relationship between PLS financing and profitability in a strengthening manner, while it moderates non-PLS financing in a weakening manner. Financial literacy does not moderate the relationship between PLS financing and profitability, but it diminishes the effect of non-PLS financing on profitability. The inequality index does not moderate PLS financing but reduces the effect of non-PLS financing on profitability. These results suggest that PLS financing is instrumental in maintaining the sustainability of BPRS. Additionally, PLS financing serves as a source of working capital for productive business customers, thereby enhancing the profitability of BPRS.
Co-Authors Akbar Surya Maulana Titis Miranti Titis Miranti Ulfi Kartika Oktaviana Zulfa Muasaroh Binti Rahmawati