Journal of Sharia Economics
Vol. 7 No. 1 (2026): Islamic Economics

APAKAH DIGITALISASI MEMITIGASI RISIKO PEMBIAYAAN PADA BANK SYARIAH SECARA GLOBAL?

Kusuma Wardana, Guntur (Unknown)
Firdaus, Violinda Syahgaria (Unknown)



Article Info

Publish Date
01 Apr 2026

Abstract

This study aims to examine the effect of profitability, liquidity, and technology on the financing risk of Islamic banks worldwide. The research is based on the global dynamics of financing risk, which ranges from 2.47% to 2, indicating a downward trend and reflecting an improvement in asset quality as well as the implementation of more prudent management. The method used is quantitative with a causality approach, analyzed through panel data regression using EViews 12 software. The results indicate that profitability has a significant effect on financing risk; liquidity (FDR) has a significant effect on financing risk; liquidity (QR) does not have a significant effect on financing risk; liquidity (CR) does not have a significant effect on financing risk; and technology does not have a significant effect on the financing risk of Islamic banks worldwide.

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Journal Info

Abbrev

JoSE

Publisher

Subject

Economics, Econometrics & Finance

Description

Journal of Sharia Economics focuses on the studies pertaining to the field of Islamic Economics and Finance. Journal of Sharia Economics welcomes the contributions from related academicians and practitioners on the following topics: Islamic banking Islamic insurance/ takaful Islamic accounting ...