JPS (Jurnal Perbankan Syariah)
Vol 6 No 2 (2025): JPS (Jurnal Perbankan Syariah) - October

The Influence of Competition, Financing Risk, and Capital Adequacy on the Stability of Islamic Commercial Banks in Indonesia

Umiyati (Unknown)
Widiyawati, Iin (Unknown)

Article Info

Publish Date
30 Oct 2025

Abstract

This study aims to analyze the influence of competition, financing risk, and capital adequacy on the stability of Islamic commercial banks in Indonesia. The research used panel data regression methods on 10 Islamic commercial banks in Indonesia from 2019–2023. The Z-Score approach was employed to measure bank stability. The results show that financing risk and capital adequacy significantly affect bank stability, while competition does not have a significant effect. Simultaneously, all three variables significantly influence stability. The findings emphasize the importance of improving risk management and capital reserves in maintaining financial stability amid increasing competition in the Islamic banking sector.

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Journal Info
JPS (Jurnal Perbankan Syariah)
Website

Abbrev

jps

Publisher

Institut Syariah Negeri Junjungan Bengkalis

Subject

Economics, Econometrics & Finance

Description

JPS (Jurnal Perbankan Syariah) was published in print and online by LPPM ISNJ Bengkalis. JPS contains field research results about banking and Islamic banking. JPS functions as a place for academics, scientists, researchers, practitioners, and industry to share views on banking and Islamic banking ...