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Journal articles on the topic 'Islamic Bank and Macroeconomics'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Basheer, Zaid Muayad, Omer Abdulrahman Jadaan, and Hayder Dhahir Mohammed. "Determinants of Macroeconomics in Jordanian Islamic Banks." Journal of Business and Management Studies 4, no. 4 (2022): 179–86. http://dx.doi.org/10.32996/jbms.2022.4.4.17.

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This study aimed to identify the determinants of macroeconomics in Jordanian Islamic banks. The study sample consisted of (3) Islamic banks during the period (2010-2020), and the descriptive and analytical approach was followed, and many statistical methods were used, such as descriptive statistics and regression analysis. The results showed that there is a statistically significant impact at the significance level (α0.05) for the determinants of the macroeconomics in Jordanian Islamic banks, while it was found that there is no statistically significant impact at the significance level (α£0.05

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Febriyanti, Annisa Rahma, and Atina Shofawati. "PENGARUH VARIABEL INTERNAL BANK DAN VARIABEL MAKROEKONOMI TERHADAP KINERJA KEUANGAN (STUDI BANK UMUM SYARIAH DI INDONESIA PERIODE 2014-2018)." Jurnal Ekonomi Syariah Teori dan Terapan 7, no. 8 (2020): 1538. http://dx.doi.org/10.20473/vol7iss20208pp1538-1551.

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This research aims to find out the effect of bank internal variabel and macroeconomics variabel toward islamic banks financial performance proxied by Return on Assets (ROA) simultaneously and partially. Bank internal variables consist of capital structure, operational efficiency, asset quality, and liquidity, while macroeconomics variables consist of inflation and real GDP growth. Methodology that used in this study is quantitative approach using panel regression as technique analysis. Sampel used 11 Islamic Bank in Indonesia regulated by Otoritas Jasa Keuangan and launched legally before 2014

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Karim, Norzitah Abdul, Syed Musa Syed Jaafar Al-Habshi, and Muhamad Abduh. "MACROECONOMICS INDICATORS AND BANK STABILITY: A CASE OF BANKING IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 18, no. 4 (2016): 431–48. http://dx.doi.org/10.21098/bemp.v18i4.609.

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This paper provides new empirical evidence of the bank stability in relation to the macroeconomic indicator of Indonesia. The bank stability is first calculated using Z-score, and then regressed using Autoregressive distributive lag (ARDL) model on the macroeconomic variables i.e. Gross Domestic Product (GDP) in US dollar, Interest rates (IR) in percentage and Consumer Price Index (CPI). To analyse further the long run relationship and the impact of bank stability, Cholesky standard deviation shock to the model, ARDL and Impulse Response Function (IRF) are used. These ARDL and IRF are carried

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Fakhrunnas, Faaza, Faiza Husnayeni Nahar, and Hilman Fikri Albana. "Effects of Macroeconomics Factors toward Efficiency in Banking." JEJAK 11, no. 2 (2018): 390–400. http://dx.doi.org/10.15294/jejak.v11i2.16059.

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The main objective of this study is to analyze the effect of macroeconomic factors toward efficiency in Islamic and Conventional Banking. Banking as one of components in financial system that highly contributes to the growth and development of the economy in a country, especially after establishment of the first Islamic bank in Indonesia at the year of 1992. Afterwards, Islamic banking began to develop and start to compete with conventional banking. Hence, in order to survive and do fair competitiveness, Islamic and Conventional banking have to maintain its efficiency. This study uses the meth

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Mohammad Zain, Eni Noreni, Puspa Liza Ghazali, and Wan Mohd Nazri Wan Daud. "Factors Contributing to Non-performing Financing: Evidence from Islamic Banks in Malaysia before Pandemic." International Journal of Islamic Business and Management Review 2, no. 2 (2022): 157–62. http://dx.doi.org/10.54099/ijibmr.v2i2.363.

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This study is going to ascertain the contributing factor of non-performing financing in Islamic banks in Malaysia. Purpose – This study aims to investigate the specific bank characteristics as well as macroeconomic variables. Methodology/approach –Twelve local Islamic banks would be the focus for this study starting from period 2009 until 2018 which are before pandemic. The annual report has been used as the primary source for the financial data. While for the macroeconomics data, DataStream database has been used. Panel data approach was used to investigate the data and all the determining fa

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Kasri, Rahmatina A., Tika Arundina, Kenny D. Indraswari, and M. Budi Prasetyo. "BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA." Journal of Islamic Monetary Economics and Finance 3, no. 1 (2017): 25–60. http://dx.doi.org/10.21098/jimf.v3i1.709.

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Bank run is an important economic phenomenon which increasingly occurred in in modern banking system and potentially threatened banking stability as it could trigger a banking crisis. However, most studies related to bank run focus on the occurrence of bank run in conventional banking system. Very few of them discuss the bank run phenomenon under Islamic banking system or dual banking system where Islamic banks jointly operating with conventional banks. Therefore, this study attempts to analyze the determinants of bank run in the Indonesian Islamic banking industry by employing primary data fr

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Anjom, Washeka, and Abu Taher Mohammad Omor Faruq. "Financial Stability Analysis of Islamic Banks in Bangladesh." European Journal of Business and Management Research 8, no. 3 (2023): 320–26. http://dx.doi.org/10.24018/ejbmr.2023.8.3.1953.

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The paper intends to examine the key factors of financial stability of listed Shariah-based Islamic Banks of Bangladesh for a period of 2009 to 2019. Z-score is used here as a proxy for financial stability measurement, with independent variables including bank-specific, bank industry-specific, and macroeconomic factors. Bank specific determinants are nonperforming investment, bank size, capital adequacy, return on equity, earnings, liquidity and management efficiency. Development in the banking sector is a factor that is unique to the banking industry, while GDP and inflation are macroeconomic

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Jallow, Mamadou Salieu. "The Impact of Macroeconomics Variables and Bank Internal Factors on Islamic Banking Performance During Covid-19 in Indonesia." Journal of Islamic Economics and Philanthropy 6, no. 1 (2023): 200–216. http://dx.doi.org/10.21111/jiep.v6i1.10673.

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   200   Previous studies focused on Bank internal factors in analysing the financial performance of Islamic banks. In this paper, we examine the performance of Islamic Banks in Indonesia by using key macroeconomics and bank internal variables as well as including covid-19 as a dummy variable from 2010 to 2021. The study used secondary data collected from World Bank database and Islamic banks annual financial reports. An Econometrics models such as VAR, unit root test and Johansen cointegration test were employed in the estimation process in which ROA was us

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Pambuko, Zulfikar Bagus. "Determinan Tingkat Efisiensi Perbankan Syariah Di Indonesia: Two Stages Data Envelopment Analysis." Cakrawala: Jurnal Studi Islam 11, no. 2 (2016): 178–94. http://dx.doi.org/10.31603/cakrawala.v11i2.249.

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Efficiency is an important indicator to observe the banks’ ability in resisting and facing the tight rivalry at banking industry. The study aims to evaluate the efficiency and to analyze the determinants of efficiency of Islamic bank in Indonesia on 2010 – 2013 with Two-Stage Data Envelopment Analysis approach. The objects of the study are 11 Islamic banks (BUS). The first phase of testing uses the Data Envelopment Analysis (DEA) method showed that the efficiency of Islamic bank is inefficient on managing the resources and small Islamic banks are more efficient than the larger. The second phas

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Rahmayuni, Siti, and Ardi Paminto. "Corporate Governance and Macroeconomics on The Financial Stability of Islamic Banks." IJEBD (International Journal of Entrepreneurship and Business Development) 4, no. 4 (2021): 510–15. http://dx.doi.org/10.29138/ijebd.v4i4.1417.

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Purpose: This study discusses the influence of Corporate Governance and macroeconomics on financial stability in the Islamic banking sector. Design/methodology/approach: This study employed a quantitative and Data analysis uses panel data regression. Findings: while the independent variable in this study is Corporate Governance and Macroeconomics, with the results showing that Corporate Governance and macroeconomics have no partial effect.. Research limitations/implications: There are only two variables considered in this paper: corporate governance and macroeconomic. P

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Suprayitno, Aryadimas, Arva Athallah Susanto, and Weni Hawariyuni. "Sustainability of Islamic Bank Financing across Macroeconomic and Internal Factors." Journal of Sustainable Economics 2, no. 2 (2024): 83–93. https://doi.org/10.32734/jse.v2i2.18433.

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The sustainability of Islamic banking financing can be evaluated by examining the dynamics of financing risk, as an escalation in financing risk may lead to significant losses for banks. This study aims to investigate the long-term and short-term effects of internal factors and macroeconomic conditions on the financing risk encountered by Islamic banks in Indonesia. This study utilizes quarterly time series data from 2015 to 2023, with Financing Risk as the endogenous variable and Macroeconomics, Capital, Efficiency, and Bank Performance as the exogenous factors. This study utilizes Autoregres

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Baroroh, Hilmy, Mohammad Shadam Taqiyyuddin Azka, and Sabrina Nur Afifah. "Oil Price Volatility And Macroeconomics, Does It Affect The Performance Of Islamic Stocks In The Jakarta Islamic Index?" AL-ARBAH: Journal of Islamic Finance and Banking 5, no. 2 (2023): 125–50. http://dx.doi.org/10.21580/al-arbah.2023.5.2.18037.

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Purpose - This study aims to determine the effect of world crude oil prices and macroeconomics on the performance of Islamic stocks in the Jakarta Islamic Index (JII).Method - The research approach uses quantitative with the Autoregressive Distributed Lag (ARDL) method to analyze the short-term and long-term influence. The research sample was taken from as many as 29 companies included in the JII Index with the observation period from 2016-2022.Result - The results of this study show that the relationship between crude oil prices and Islamic stock performance has a significant negative effect.

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Jaelani Sopian, Adin, Rifki Ismal, and Yono Haryono. "Analisis Dan Estimasi Kinerja Bank Umum Syariah Sebelum Dan Selama Pandemi Covid-19." Indonesian Journal of Islamic Economics and Business 8, no. 2 (2023): 345–64. http://dx.doi.org/10.30631/ijoieb.v8i2.1981.

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This study aims to determine and analyze the influence of macroeconomic and internal financial performance factors of Islamic Commercial Banks on the profitability of Islamic Commercial Banks before and during the COVID-19 pandemic, as well as to be able to estimate the long-term and short-term effects on the financial performance of Islamic Commercial Banks. The data analysis method in this study uses the Error Correction Model (ECM), where the end result is to measure the short-term and long-term influence of the movement of Islamic Commercial Bank profitability as measured by ROA. The data

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Nasution, Akmal Huda, and Ulumuddin Nurul Fakhri. "From Crisis to Stability: How Macroeconomics Shapes Islamic Banking and MSME Futures?" Share: Jurnal Ekonomi dan Keuangan Islam 13, no. 1 (2024): 369. http://dx.doi.org/10.22373/share.v13i1.23049.

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This study examines the impact of the COVID-19 pandemic on the nexus between macroeconomic conditions, Islamic banking performance, and MSME financing in Indonesia. Utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) and secondary data spanning January 2020 to June 2023, the research analyzes the direct effects of macroeconomic factors on both the financial performance of Islamic banks and the provision of financing to MSMEs. The findings indicate a statistically significant positive relationship between macroeconomic stability and both Islamic banking financial performance

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Al Arif, Mohammad Nur Rianto, and Rahmi Rahmawati. "Macroeconomic Variables and Profitability in the Indonesian Islamic Banking Industry." El-Barka: Journal of Islamic Economics and Business 4, no. 1 (2021): 1–17. http://dx.doi.org/10.21154/elbarka.v4i1.2778.

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Profitability level is one of performance indicator in banking industry, including the Islamic banking industry. The purpose of this study is to analyse the short-run and long-run impact of macroeconomics variables to profitability in the Indonesian Islamic banking industry. The method that used in this paper is vector error correction models (VECM). The variables that used in this paper are industrial production index, inflation, exchange rate, the Bank Indonesia’s rate, and stock exchange composite index. The result shows that in the long-run, all of the macroeconomics variables affect signi

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Maknuun, Lu’lu’il. "The Influence Of Macroeconomics And Financial Risks On Islamic Corporate Social Responsibility Diclosure Through Earnings At Sharia Commercial Banks In Indonesia." AL-ARBAH: Journal of Islamic Finance and Banking 5, no. 2 (2023): 209–38. http://dx.doi.org/10.21580/al-arbah.2023.5.2.18068.

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Purpose - This study aims to analyze the effect of Macroeconomics and Financial Risk on Islamic Corporate Social Responsibility Disclosure (ICSRD) through Earning in Islamic Commercial Banks in Indonesia.Method - This study uses a quantitative method using secondary data in the form of financial risk data, earnings and ICSRD from annual financial reports at Islamic Commercial Banks and published macroeconomic data at the Central Bureau of Statistics from 2017 -2021. The analytical method used is SEM analysis using the SmartPLS 2.0 analysis tool.Result - The results showed that macroeconomics h

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Jatmiko, Donna Sita Soraya Kristanti, Djoni Djatnika, and Setiawan Setiawan. "Ketahanan Bank Umum Syariah di Indonesia Terhadap Fluktuasi Makroekonomi dalam Negeri dan Suku Bunga Dana Federal Reserve." Journal of Applied Islamic Economics and Finance 1, no. 2 (2021): 349–61. http://dx.doi.org/10.35313/jaief.v1i2.2469.

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The development of banking in a country cannot be separated from internal and external factors that can influence it. The monetary crisis in 1998 and the global financial crisis in 2008 are some examples that show that the banking sector can be affected by the surrounding economic conditions, both from within and outside the country. The purpose of this study is to determine the resilience of Islamic commercial banks in Indonesia if there are shocks that occur in macroeconomics, in this case, namely inflation, exchange rates, Bank Indonesia benchmark interest rate (BI rate), SBIS yields (rSBIS

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18

Devi, Abrista, and Irman Firmansyah. "SOLUTION TO OVERCOME THE BANKRUPTCY POTENTIAL OF ISLAMIC RURAL BANK IN INDONESIA." Journal of Islamic Monetary Economics and Finance 3 (May 31, 2018): 33–58. http://dx.doi.org/10.21098/jimf.v3i0.750.

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This paper investigates the direct and indirect effect of macro and microeconomics variables toward financial distress by using efficiency variable as mediator. This research used time series and monthly-published report data of Islamic Banking Statistics and Macroeconomics data. The Springate Model is used to measure financial distress through s-score, while the Data Envelopment Analysis (DEA) approach is used to measure Islamic rural bank’s efficiency. The finding implies that the efficiency of Islamic rural bank in Indonesia is mainly caused by microeconomics variables where CAR and NPF dir

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Hamda, Ikrima, and Barianto Nurasri Sudarmawan. "The Effect of Macroeconomics Variables on Islamic Bank Stability During COVID-19 Pandemic: Evidence From Indonesia." Islamic Review: Jurnal Riset dan Kajian Keislaman 12, no. 1 (2023): 59–76. http://dx.doi.org/10.35878/islamicreview.v12i1.682.

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Research explores the impact of COVID-19 on banking has been carried out by previous researchers in the last two years. However, there are no researchers who specifically discuss about banking stability during the COVID-19 pandemic which is related to macroeconomic relaxation during the COVID-19 pandemic. The purpose of this research was to explore the macroeconomic influence on banking stability during COVID-19 in anticipation of a similar shock. This study uses Ordinary Least Square (OLS) method to describe macroeconomic factors as independent variables and control variables on the z-score a

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Amin, Sakinah Maulidah Mastniah, and Tiara Juliana Jaya. "The Effect of Bank Performance and Macroeconomics on the Profitability of Indonesian Sharia Commercial Banks." Al-Muamalat: Jurnal Ekonomi Syariah 11, no. 1 (2024): 95–114. http://dx.doi.org/10.15575/am.v11i1.34141.

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This study examines the relationship between the profitability of Islamic commercial banks with the functions of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Expenses and Operating Income (BOPO), inflation, Gross Domestic Product (GDP), and interest rates. This quantitative study's monthly report of Islamic banking and the monthly report of statistical data for 2015-2022 are secondary data sources. A method used is called multiple linear regression analysis. Based on the results of research, CAR and NPF are significantly related to the profitability of Islamic commer

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Rahmawati, Indah, and Nisful Laila. "PENGARUH FAKTOR INTERNAL DAN EKSTERNAL BANK TERHADAP KEMAMPUAN BANK SYARIAH DALAM MENYALURKAN PEMBIAYAAN." Jurnal Ekonomi Syariah Teori dan Terapan 7, no. 8 (2020): 1484. http://dx.doi.org/10.20473/vol7iss20208pp1484-1500.

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This study aims to review the effect of internal bank factors and macroeconomics factors such as liquidity, financing risk, profit-loss sharing rate, the level of securities ownership, interest rate, inflation, and economic growth against Islamic bank financing in Indonesia. The data used for this research is time series data with monthly frequency from January 2014 to December 2019. Autoregressive Distributed Lag (ARDL) Model results show that in the short term, inflation and economic growth have a significant positive effect on Islamic bank financing. While variable liquidity, financing risk

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Zuhroh, Idah. "Profitabilitas Bank Syariah Di Indonesia: Bagaimana Pengaruh Permodalan, Inflasi Dan Birate?" Jurnal Reviu Akuntansi dan Keuangan 12, no. 2 (2022): 383–99. http://dx.doi.org/10.22219/jrak.v12i2.21931.

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This study to analyze the effect of internal components of Islamic banks and macroeconomics on the profitability of Islamic banks in Indonesia. The sample used includes 8 Full Fledge Islamic banking for the period 2011Q1–2019Q4. Data analysis used panel data regression between FEM and CEM based on Chow and LM tests. Several control variables used include financing quality (NPF), bank liquidity (FDR), exchange rate and economic growth (LGDP). The robust model was chosen for further analysis and the best model was obtained, namely FEM-cross section weight (EGLS). The results found that Islamic b

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Misanam, Munrokhim, and Agus Widarjono. "Market Concentration, Bank Characteristics, Macroeconomic Conditions, and Indonesian Islamic Bank Financing." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 14, no. 2 (2024): 165–84. http://dx.doi.org/10.18326/muqtasid.v14i2.165-184.

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As the latest player in the banking market in Indonesia, Islamic banks are not as experienced as their counterpart conventional banks. In addition, the types of Islamic bank financing (loans) are different from conventional bank loans. Our work investigates the determinants of Islamic bank financing in Indonesia. Our concern variables are market concentration, bank fundamentals, and macroeconomic conditions, including Covid-19. This study examines all Islamic banks in Indonesia from 2015 to 2020 using quarterly data. Our data set is 724 observations with unbalanced panel data. We employ the dy

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Rosmanidar, Elyanti, Muhamad Ahsan, Abu Azam Al-Hadi, and Nguyen Thi Minh Phuong. "IS IT FAIR TO ASSESS THE PERFORMANCE OF ISLAMIC BANKS BASED ON THE CONVENTIONAL BANK PLATFORM?" ULUL ALBAB Jurnal Studi Islam 23, no. 1 (2022): 1–21. http://dx.doi.org/10.18860/ua.v23i1.15473.

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Several studies found the weakness of using conventional performance measurement tools such as CAMELS and RGEC in Islamic banking and the lack of performance measurement tools following the characteristics of Islamic banks. The findings showed the need for a performance measurement system that integrates the objectives of sharia and the business objectives of sharia banking. This study explored the application of Maqashid shariah values in Islamic banking and initiated a Sharia Integrated Performance Measurement (SIPM) structure. The researchers used Grounded Theory and library research. Data

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Hosen, Muhammad Nadratuzzaman, and Syafaat Muhari. "Liquidity and Capital of Islamic Banks in Indonesia." Signifikan: Jurnal Ilmu Ekonomi 6, no. 1 (2017): 49–68. http://dx.doi.org/10.15408/sjie.v6i1.4405.

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This study is aimed to analyzed the factors that affect the liquidity and capital of Islamic banks in Indonesia. The method is used multiple linear regression. This result shows that the main problem of Islamic banks in Indonesia is how to increase equity in line with increasing third party fund. Another problem is that Islamic bank face difficulties to find debt for solving liquidity problem due to lack of instruments for liquidity derivative. Therefore Islamic banks rely on third party funds, which are high cost of funds due to time deposit fund, rather than using current deposit and saving

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Ayuni, Lailatul, and Lina Nugraha Rani. "ANALISIS FAKTOR PENENTU DAN INDIKATOR EKONOMI PADA NET INTEREST MARGIN BANK SYARIAH." Jurnal Ekonomi Syariah Teori dan Terapan 7, no. 11 (2020): 2074. http://dx.doi.org/10.20473/vol7iss202011pp2074-2088.

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ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh faktor penentu Margin Bank Umum Syariah melalui variabel Capital Adequacy Ratio, Risiko Likuiditas, NPF, Bank Size dan indikator makroekonomi GDP dan Inflasi terhadap Net Interest Margin Periode 2011 - 2018 secara simultan dan parsial. Pengambilan sampel dengan teknik Purposive Sampling diperoleh 11 Bank Umum Syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis regresi data panel. Data penelitian diambil dari website resmi yang dipublikasikan oleh Bank Indonesia (BI) dan Otoritas Jasa Keuangan (OJK) serta An

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Nadratuzzaman Hosen, Muhamad, and Syafaat Muhari. "Non-performing financing of Islamic rural bank industry in Indonesia." Banks and Bank Systems 14, no. 1 (2019): 20–28. http://dx.doi.org/10.21511/bbs.14(1).2019.03.

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This study is aimed at analyzing the financial performance and indicator of macroeconomics to influence the quality of financing at Islamic Rural Bank Industry (IRBI) in Indonesia. The panel data regression is used to predict the change of quality of financing which is reflected by value of non-performing financing (NPF). The model of this study is grouped by four areas of working zones because IRBI has different competency depending on its region. The sample of the study used 72 IRBIs in the periods of Quarter II 2010 to Quarter I 2016. The results of the study show that simultanuously variab

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Widarjono, Agus. "Does the Volatility of Macroeconomic Variables Depress The Profitability of Islamic Banking?" JEJAK 13, no. 1 (2020): 30–42. http://dx.doi.org/10.15294/jejak.v13i1.19460.

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Islamic banking in Indonesia has been growing rapidly since 2010. The profitability of Islamic bank depends on Islamic bank characteristics and macroeconomic condition. As a country with an open economy, macroeconomic conditions are very volatile. Through the theory of exchange rate pass through, the exchange rate fluctuation affects domestic prices so that it affects the profits of Islamic bank. This study analyzes the impact of the instability of the macroeconomic variables, namely the exchange rate and inflation on the profitability of Islamic bank. The instability of inflation and exchange

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Selvi, Andesta, Adam Mohammad, and Suhel. "Changes in Macroeconomic conditions and capital Return in Indonesia." MIR (Modernization. Innovation. Research) 11, no. 3 (2020): 320–28. http://dx.doi.org/10.18184/2079-4665.2020.11.3.320-328.

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Purpose: this study aims to examine the influence of changes in inflation, changes in the rupiah exchange rate, changes in the money supply, changes in SBIS, changes in foreign exchange reserves and changes in interest rates on the return of Indonesian Islamic stocks.Methods: this study is focused on looking at conditions of macroeconomic changes that have an impact on the activity of the Islamic capital market, particularly on the return of Islamic stocks listed in the Jakarta Islamic Index. This empirical evidence is related to variable macroeconomic changes, namely changes in inflation, rup

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Selvi, Andesta, Adam Mohamad, and Feunsri Suhel. "Changes in Macroeconomic Conditions and Capital Return in Indonesia." Modern Economics 23, no. 1 (2020): 187–93. http://dx.doi.org/10.31521/modecon.v23(2020)-30.

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Abstract. This study is focused on looking at conditions of macroeconomic changes that have an impact on the activity of the Islamic capital market, particularly on the return of Islamic stocks listed in the Jakarta Islamic Index. This empirical evidence is related to variable macroeconomic changes, namely changes in inflation, rupiah exchange rate, money supply, foreign exchange reserves, Indonesian Syariah Bank Certificates (SBIS) and interest rates on sharia stock returns for the period January 2014-December 2019 obtained from Financial publications. Service Authority (OJK) and Bank Indones

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Rahmayuni, Siti, Djoko Setyadi, Ardi Paminto, F. Defung, and Anwar Arifin Pinem. "Supervision, Corporate Governance and Macroeconomics Influence on Islamic Bank Risk in Indonesia." Journal of Social Science 4, no. 2 (2023): 525–40. http://dx.doi.org/10.46799/jss.v4i2.550.

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Zannati, Rachma, and Hendryadi Hendryadi. "Determinan Non Performing Financing Perbankan Syariah: Perspektif Makro Ekonomi." SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam 1, no. 3 (2019): 91–100. http://dx.doi.org/10.36407/serambi.v1i3.126.

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Purpose- This study aims to examine the effect of macroeconomics on non-performing financing (NPF) of Islamic banking in Indonesia. Methods- Data were collected from 14 Sharia Commercial Banks (BUS) in the period 2014 - 2018, and analysis techniques used hierarchical linear regression. Findings- This study shows that macroeconomic does not have a significant effect on the NPF of Islamic banking. Research implications- this study can be used as a basis for subsequent research and preliminary information for Islamic banking management to manage NPF. The main contribution of thi

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Haque, Muhammad Enamul, and Nusrat Farzana. "Examination of Bank-Specific and Macroeconomic Determinants of Islamic Banks Profitability in Bangladesh: A Panel Data Approach." Asian Journal of Empirical Research 8, no. 11 (2018): 405–17. http://dx.doi.org/10.18488/journal.1007/2018.8.11/1007.11.405.417.

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Islamic banks have continued to demonstrate tremendous growth over the last decade as reflected by its increasing market shares in terms of deposits and investments compared to the total banking system. This study makes an effort to examine the bank-specific and macroeconomic determinants of eight full-fledged Islamic banks profitability in Bangladesh applying two static linear panel data approaches. The study uses return on assets, return on equity and net investment margin as measures of profitability. The results indicate that bank-specific variables such as capital to risk based assets, li

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Ab Rahman, Sazana, Nor Hayati Ahmad, and Noraziah Che Arshad. "BANK SPECIFIC AND MACROECONOMIC FACTORS INFLUENCING ISLAMIC BANKS DEPOSITS." Vol 6 No 2 (2021) 6, No.2 (2021): 37–57. http://dx.doi.org/10.32890/ijib2021.6.2.4.

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Deposits are like the bloodline for banks as they determine banks' lending capacity and a country's economic savings. However, the existence of a dual banking system poses a challenge to Malaysian Islamic banks competing for deposits. Despite this problem, few investigations were done to comprehensively identify the factors that could help banks attract deposits, particularly for Islamic banks. The purpose of this paper is to fill this gap on deposits of 16 Islamic banks in Malaysia. Secondary data from the bank's annual reports and the Department of Statistics of Malaysia from 2015 to 2019 we

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Haqiqi, Rafsanjani. "Capital Adequency Ratio (CAR) and Determinants: Case Study Islamic Banking in Indonesia." International Journal of Innovative Science and Research Technology 7, no. 7 (2022): 1273–82. https://doi.org/10.5281/zenodo.6997128.

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This Journal discuss about Obligation Minimum and purposeful capital provision for analyze influencing factors _ level Islamic bank capital adequacy . Capital Adequacy Ratio (CAR) is used as variable dependent , temporary that inflation , GDP, rate ethnic group interest , total assets, total financing , total deposits , ROA, ROE, and NPF used as variable independent . Data obtained from report annual Islamic banking from the Financial Services Authority (OJK) and the Central Statistics Agency (BPS). Use method Vector Error Correction Model (VECM). Based on the results of statistical tests show

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Malik, Fery Maulana, Hamid Asayesh, Lalu Abu Gunawan, and Ismail Pulungan. "Macroeconomic Impact on the Risk Profile of Islamic Commercial Banks in Indonesia." Journal of Islamic Economics Perspectives 7, no. 1 (2025): 42–53. https://doi.org/10.35719/c53t5h58.

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As a member of the G20, Indonesia has demonstrated economic stability with an average growth of 5.05% by 2024. Islamic commercial banks play an important role in supporting the national economy through Sharia-based financing, which is more stable than traditional banks. However, macroeconomic fluctuations such as inflation, GDP, BI rate, and exchange rates can impact Non-Performing Financing (NPF) as an indicator of credit risk. High NPF can affect the profitability and operational sustainability of Islamic commercial banks. Therefore, a deep understanding is required to maintain the stability

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Sishadiyati and Chantya Anggi Kirana. "HUBUNGAN MAKROEKONOMI TERHADAP KINERJA KEUANGAN PADA BANK KONVENSIONAL DAN BANK SYARIAH DI JAWA TIMUR." Jurnal Dinamika Ekonomi Pembangunan 3, no. 2 (2020): 322–27. http://dx.doi.org/10.33005/jdep.v3i2.111.

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Macroeconomic factors can be said to have a relationship with the financial performance of banks, both conventional banks and Islamic banks. The condition of the banking sector in East Java is very vulnerable to economic shocks that occur. So it requires a very independent and good liquidity management. The existing banking sector is still very dependent on the policies made by the central bank and the government. Then if there is a financial difficulty caused by unfavorable macroeconomic conditions, then the bank's financial performance may also be disrupted. Based on the analysis of data tha

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Andriyani, Lilik, Nurodin Usman, and Zulfikar Bagus Pambuko. "ANTECEDENTS OF SOCIAL FUNDS’ PRODUCTIVITY OF ISLAMIC BANKS IN INDONESIA." Humanities & Social Sciences Reviews 8, no. 2 (2020): 488–96. http://dx.doi.org/10.18510/hssr.2020.8256.

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Purpose: The study aims to analyse the social funds’ productivity of Islamic banks in Indonesia and the antecedents of it. The study will measure the social fund productivity followed by the investigation about the variable which can determine the Islamic bank productivity. Methodology: The study conducted at nine Islamic banks Indonesia. Two stages of the Malmquist productivity index were applied to annual data from 2012-2018. The variables which are tested its effect on social funds’ productivity return on asset, operational efficiency, inflation, OPEC oil price, and economic growth.&#

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Widarjono, Agus, M. B. Hendrie Anto, and Sahabuddin Sidiq. "Sectoral Financing Concentration and Profitability of Islamic Banking in Indonesia." Share: Jurnal Ekonomi dan Keuangan Islam 11, no. 1 (2022): 149. http://dx.doi.org/10.22373/share.v11i1.11133.

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This paper investigates the extent to which sectoral financing concentration affects the Islamic banks' profitability in Indonesia. As additional control variables, we include bank-specific and macroeconomic conditions. This study utilizes the aggregated financial statements of Islamic banks in Indonesia from January 2010 through December 2019 and analyzed with the Autoregressive distributed lag (ARDL) model. The results confirm cointegration evidence, demonstrating the long-term relationship between the dependent and independent variables. The results clearly indicate that sectoral financing

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R, Abdul Azis. "Moderation of Dow Jones Industrial Average in the Dynamics of Indonesian Sharia Stock Index: Global Sharia Index and Macroeconomic Review." Jurnal Ilmiah Manajemen dan Bisnis 11, no. 1 (2025): 42. https://doi.org/10.22441/jimb.v11i1.32007.

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This research seeks to examine the impact of the Global Islamic Stock Index (Dow Jones Islamic Market US) and macroeconomic factors (Inflation, BI Rate, Exchange Rate, and Money Supply) on the Indonesian Sharia Stock Index, with the Dow Jones Industrial Average (DJIA) acting as a moderating variable. Employing a quantitative methodology, the study incorporates descriptive analysis and hypothesis testing using the SmartPLS application to assess estimation outcomes. Secondary data from 2014 to 2023, including monthly Inflation, BI Rate, Exchange Rate, and Money Supply figures, taken from the off

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Muhannad, A. Almuraikhi. "Determinants of Non-Performing Loans Between Islamic And Conventional Banks: A Systematic Literature Review." Economics and Business Quarterly Reviews 5, no. 4 (2022): 238–55. https://doi.org/10.31014/aior.1992.05.04.473.

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This article conducts a systematic literature review of 52 papers on the determinants of non-performing loans (NPL) published for 2006-2022 in peer-reviewed journals. This paper adds to the development of this emerging field of systematic review in non-medical field settings by mapping existing research to inform future research exploits. This study synthesizes NPL studies by applying the systematic review methodology. The data synthesis is done through first and second-level codes. The first level codes group studies according to bank-specific, borrower-specific and comparative (Islamic vs co

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Mawaddah Mawaddah and Gustaf Naufan Febrianto. "Analisis Makroekonomi, Capital, dan Good Corporate Governance (GCG) terhadap Profitabilitas Perusahaan pada Bank Syariah di Indonesia Tahun 2020 - 2023." Akuntansi dan Ekonomi Pajak: Perspektif Global 2, no. 1 (2025): 42–54. https://doi.org/10.61132/aeppg.v2i1.808.

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This research aims to analyze the influence of macroeconomics, capital and good corporate governance on the profitability of Islamic banks listed on the Indonesia Stock Exchange (BEI) during the 2020-2023 period, both partially and simultaneously. The approach used in this research is quantitative, with a population consisting of four sharia banks listed on the IDX, which were selected through a purposive sampling technique. The data source was obtained from the website www. idx. co. id, www. bps. go. id, and www. bi. go. id. Data analysis was carried out using multiple linear regression using

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Muhayatsyah, Ali. "PENGARUH KRISIS EKONOMI 2008 DAN FAKTOR FUNDAMENTAL TERHADAP PENYALURAN PEMBIAYAAN BANK SYARIAH DI INDONESIA." Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) 4, no. 1 (2020): 125–24. http://dx.doi.org/10.52490/jeskape.v4i1.772.

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Abstract In conducting Islamic bank intermediation, internal and external indicator is needed in financial activities. In this research, the indicators that taken into consideration by Islamic bank in the public financial is the economic condition as an external factor. In this particular case the researcher observed the period of the economic crisis of 2008 as the subject year. The second indicator is the basic factor in the form of financial performance which is a controlling factor on the performance of Islamic bank financing. The result of this research explained that the exter

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Abduh, Muhamad, and Mohamed Saeed Issa. "Profitability Determinants of Kuwait Banking Industry: Comparative Analysis between Islamic and Conventional Banks." IQTISHADIA 11, no. 1 (2018): 1. http://dx.doi.org/10.21043/iqtishadia.v11i1.2834.

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<p><em>This study is aimed at evaluating the impact bank specific and macroeconomic variables including the global financial crisis upon the performance of Islamic and conventional banks in Kuwait. The data are collected from nine banks operated in Kuwait over the period of 2005 to 2012 with four of them are Islamic banks and five are conventional banks. The ROA and ROE are used to measure profitability while the size, credit risk, bank diversification, efficiency, capital strength, and liquidity were used to measure bank specific variables. There are also three external variables

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Abusharbeh, Mohammed. "Determinants of Islamic bank financing in the Middle East: Vector Error Correction Model (VECM)." Investment Management and Financial Innovations 17, no. 4 (2020): 285–98. http://dx.doi.org/10.21511/imfi.17(4).2020.25.

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As the world has been struck with a global financial crisis, Middle Eastern countries have been affected as well. Thus, Islamic banks have expanded, and the competitive advantage has become intensive with the increased number of conventional banks in the global banking system. This manuscript is aimed to examine the impact of macroeconomic and bank-specific factors on Islamic bank financing in the Middle Eastern countries. Therefore, the Vector Error Correction Model and the Granger causality test were run from 2009 to 2018 to detect the long- and short-run relationship between the explanatory

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IQBAL, Muhammad, Dian KURNIAWATI, Ridarmelli RIDARMELLI, and Irawati JUNAENI. "Economic Stability and Financing Quality: Key Determinants of Islamic Bank Growth." Theoretical and Practical Research in Economic Fields 16, no. 2 (2025): 384. https://doi.org/10.14505/tpref.v16.2(34).09.

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The significant increase in Islamic bank financing indicates a positive outlook for Islamic banks. The expansion of Islamic bank financing within a country should be analyzed independently from the country's overall economic climate. It is believed that uncertain economic conditions, such as economic growth, inflation, exchange rates, and interest rates, substantially impact financing disbursement in Islamic banks. This study aims to examine this relationship using Islamic banking data from Indonesia. The research utilizes time series data from January 2005 to December 2023 and employs VAR and

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Sanjaya, Sigit. "MACROECONOMIC FACTORS THAT AFFECT DEPOSITOR FUNDS OF SHARIA BANK IN INDONESIA." Journal of Developing Economies 6, no. 1 (2021): 79. http://dx.doi.org/10.20473/jde.v6i1.22279.

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This study aims to determine the effect of macroeconomic factors on Islamic bank savings funds in Indonesia. Macroeconomic variables used; economic growth, government debt, exchange rates, trade balance, money supply (M2), and foreign direct investment. Macroeconomic data is obtained from the publication of the Central Statistics Agency (BPS). Depositors’ fund data is obtained from the Financial Services Authority (OJK). The population consists of all Islamic commercial banks and Islamic business units. The sampling technique used total sampling, and data analysis was performed using multiple

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Alifah, Eba Ismi, and Anton Bawono. "Strengthening Indonesia's Economic Growth with Islamic and non-Islamic Macroeconomic Variable." Economica: Jurnal Ekonomi Islam 11, no. 1 (2020): 107–28. http://dx.doi.org/10.21580/economica.2020.11.1.4907.

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Abstract: This research was conducted to determine the effect of taxes, Sukuk, grants, inflation, foreign debt, total financing, and the network of Islamic bank offices on Indonesia's economic growth. Research data for each variable is monthly from 2009-2018. Data analysis variables use Error Correction Model (ECM) Test and Autoregressive Conditional Heteroscedasticity (ARCH) Test with Eviews ver.10. The results showed that in the short and long term, variables taxes, Sukuk, inflation, foreign debt, total financing, and office networks of Islamic banks) affected the Indonesian economic growth.

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Masood, Omar, and Muhammad Ashraf. "Bank‐specific and macroeconomic profitability determinants of Islamic banks." Qualitative Research in Financial Markets 4, no. 2/3 (2012): 255–68. http://dx.doi.org/10.1108/17554171211252565.

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Mohammed, Fadwa A., and Ibrahim A. Onour. "Stress Testing for Credit Risk Exposure in Islamic Banks." Management and Economics Research Journal 6 (2020): 1. http://dx.doi.org/10.18639/merj.2020.990010.

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In this study, we investigate the link between default loans and macroeconomic and bank-specific variables to assess exposure of Islamic banks to credit risks, and then design stress testing scenarios to assess the banking system’s resilience to adverse shocks. The results suggest that credit risk exposure of Islamic banks in Sudan is mainly affected by bank-specific variables, which include changes in total assets, total deposits, and total loans; all of them have a negative and significant impact on the probability of default loans. The study also indicates that the macroeconomic variables,

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