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This Author published in this journals
All Journal Mutanaqishah: Journal of Islamic Banking
Nur Wahyu Ningsih
State Islamic University of Raden Intan Lampung, Indonesia
Economics, Econometrics & Finance

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Influence of Loans on Total Assets, Return on Equity, and Inflation on Islamic Banks’ Capital Buffer Elfa Duwina; Any Eliza; Nur Wahyu Ningsih
Mutanaqishah: Journal of Islamic Banking Vol. 6 No. 1 (2026): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v6i1.3183

Abstract

Purpose – This study aims to examine the influence of Loans to Total Assets (LOTA), Return on Equity (ROE), and Inflation on the Capital Buffer Methodology – This study employs a quantitative approach, utilizing a causal associative study and multiple linear regression as its analytical methods. The data used are secondary data sourced from Islamic banking statistics for the period from January 2020 to December 2024. The analytical tool used in this study is Eviews 10. Findings – The results show that Loans to Total Assets (LOTA) has no significant effect on the Capital Buffer. Return on Equity (ROE) has no significant effect on the Capital Buffer. Inflation has no significant effect on the Capital Buffer. Implications – The results of this study provide recommendations for each bank. They can be used by bank management to inform decisions on asset and capital management strategies to maintain financial stability amid fluctuating inflation. Originality – Providing insight into the importance of financial management, this research is original because it combines factors that have not been widely discussed in the context of Islamic banks in Indonesia, thereby making a new contribution to the literature and practice of the Islamic banking industry.
The Effect of Inflation, BI Rate, and Exchange Rate on Murabahah Financing with Gold Price Moderation Muammar; Hanif; Nur Wahyu Ningsih
Mutanaqishah: Journal of Islamic Banking Vol. 6 No. 1 (2026): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v6i1.3309

Abstract

Purpose – This study uses the price of gold as a moderating variable to investigate how inflation, the BI Rate, and the rupiah exchange rate affect murabahah funding at Islamic commercial banks between 2015-2024. Methodology – The impact of independent variables on the dependent variable is investigated in this study using quantitative methods and multiple linear regression. The moderating variable is tested using moderation regression analysis. Findings – According to the study, murabahah finance is positively affected by inflation and the rupiah exchange rate, but not by the BI Rate. Based on the moderation regression test results, gold prices can mitigate the effects of inflation on murabahah finance, but they cannot mitigate the effects of the rupiah exchange rate or the BI Rate. Implications – Islamic banks should pay more attention to changes in inflation and exchange rates when managing murabahah financing. They should continue emphasizing the benefits of the fixed margin system, which does not depend on interest rates. Future research is expected to incorporate additional variables that reflect internal banking dynamics and broader macroeconomic conditions. Originality – The originality of this research is, first, the research period on murabahah financing over the past 10 years, which will certainly yield different findings due to the different time frame used. Second, the price of gold has not been examined as a moderating factor for murabahah financing in Islamic commercial banks.
Co-Authors Any Eliza Elfa Duwina Hanif Muammar