Ketahanan Perbankan Syariah Indonesia Terhadap Fluktuasi Kondisi Makroekonomi dan Kondisi Fundamental Saat Pandemi Covid-19
The Covid-19 pandemic has forced all sectors, especially the financial institution sector, to work hard to maintain their institutions to be able to generate profits under fluctuating conditions. Therefore, this study aims to analyze the resilience of Islamic banking in maintaining its profitability...
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Universitas Islam Negeri Fatmawati Sukarno Bengkulu
2024-04-01
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| Series: | Al-Intaj |
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| Online Access: | https://ejournal.uinfasbengkulu.ac.id/index.php/Al-Intaj/article/view/2748 |
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| _version_ | 1849229161499983872 |
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| author | Ayu Yuningsih Esti Alfiah |
| author_facet | Ayu Yuningsih Esti Alfiah |
| author_sort | Ayu Yuningsih |
| collection | DOAJ |
| description | The Covid-19 pandemic has forced all sectors, especially the financial institution sector, to work hard to maintain their institutions to be able to generate profits under fluctuating conditions. Therefore, this study aims to analyze the resilience of Islamic banking in maintaining its profitability amidst fluctuations in macroeconomic conditions and fundamental conditions during the COVID-19 pandemic. This study uses a quantitative approach and is based on time series data (ime series). This research was conducted at Islamic Commercial Banks in Indonesia. The data used is secondary data which includes data on Return On Assets (ROA), Non Performing Financing (NPF), Financing to Deposite Ratio (FDR) obtained from SPS OJK, economic growth data (IPI), obtained from the official website of Bank Indonesia. (BI), and data on inflation and interest rates (BI Rate) obtained from the official website of the Central Statistics Agency (BPS). The data used is aggregated data that is presented monthly for the period January 2016 to March 2021. Data analysis in this study uses a vector error correction model (VECM) as an approach to see short-term relationships, and cointegration tests as an approach to see indications of long-term relationships. . The results showed that the profitability of Islamic banking is influenced by macroeconomic conditions, namely inflation. Meanwhile, the IPI and BI Rate do not have a significant effect on the profitability of Islamic banking. Likewise, the fundamental conditions of Islamic banking, NPF and FDR do not have a significant influence on the profitability of Islamic banking. |
| format | Article |
| id | doaj-art-5b86ac5fd6fd4c16b818cbef2f68fec1 |
| institution | Kabale University |
| issn | 2476-8774 2621-668X |
| language | English |
| publishDate | 2024-04-01 |
| publisher | Universitas Islam Negeri Fatmawati Sukarno Bengkulu |
| record_format | Article |
| series | Al-Intaj |
| spelling | doaj-art-5b86ac5fd6fd4c16b818cbef2f68fec12025-08-22T04:59:20ZengUniversitas Islam Negeri Fatmawati Sukarno BengkuluAl-Intaj2476-87742621-668X2024-04-0181455810.29300/aij.v8i1.27482329Ketahanan Perbankan Syariah Indonesia Terhadap Fluktuasi Kondisi Makroekonomi dan Kondisi Fundamental Saat Pandemi Covid-19Ayu Yuningsih0Esti Alfiah1Universitas Islam Negeri Fatmawati Sukarno Bengkulu, IndonesiaUniversitas Islam Negeri Fatmawati Sukarno Bengkulu, IndonesiaThe Covid-19 pandemic has forced all sectors, especially the financial institution sector, to work hard to maintain their institutions to be able to generate profits under fluctuating conditions. Therefore, this study aims to analyze the resilience of Islamic banking in maintaining its profitability amidst fluctuations in macroeconomic conditions and fundamental conditions during the COVID-19 pandemic. This study uses a quantitative approach and is based on time series data (ime series). This research was conducted at Islamic Commercial Banks in Indonesia. The data used is secondary data which includes data on Return On Assets (ROA), Non Performing Financing (NPF), Financing to Deposite Ratio (FDR) obtained from SPS OJK, economic growth data (IPI), obtained from the official website of Bank Indonesia. (BI), and data on inflation and interest rates (BI Rate) obtained from the official website of the Central Statistics Agency (BPS). The data used is aggregated data that is presented monthly for the period January 2016 to March 2021. Data analysis in this study uses a vector error correction model (VECM) as an approach to see short-term relationships, and cointegration tests as an approach to see indications of long-term relationships. . The results showed that the profitability of Islamic banking is influenced by macroeconomic conditions, namely inflation. Meanwhile, the IPI and BI Rate do not have a significant effect on the profitability of Islamic banking. Likewise, the fundamental conditions of Islamic banking, NPF and FDR do not have a significant influence on the profitability of Islamic banking.https://ejournal.uinfasbengkulu.ac.id/index.php/Al-Intaj/article/view/2748sharia banking resiliencesharia bank profitabilitycovid-19 pandemic |
| spellingShingle | Ayu Yuningsih Esti Alfiah Ketahanan Perbankan Syariah Indonesia Terhadap Fluktuasi Kondisi Makroekonomi dan Kondisi Fundamental Saat Pandemi Covid-19 Al-Intaj sharia banking resilience sharia bank profitability covid-19 pandemic |
| title | Ketahanan Perbankan Syariah Indonesia Terhadap Fluktuasi Kondisi Makroekonomi dan Kondisi Fundamental Saat Pandemi Covid-19 |
| title_full | Ketahanan Perbankan Syariah Indonesia Terhadap Fluktuasi Kondisi Makroekonomi dan Kondisi Fundamental Saat Pandemi Covid-19 |
| title_fullStr | Ketahanan Perbankan Syariah Indonesia Terhadap Fluktuasi Kondisi Makroekonomi dan Kondisi Fundamental Saat Pandemi Covid-19 |
| title_full_unstemmed | Ketahanan Perbankan Syariah Indonesia Terhadap Fluktuasi Kondisi Makroekonomi dan Kondisi Fundamental Saat Pandemi Covid-19 |
| title_short | Ketahanan Perbankan Syariah Indonesia Terhadap Fluktuasi Kondisi Makroekonomi dan Kondisi Fundamental Saat Pandemi Covid-19 |
| title_sort | ketahanan perbankan syariah indonesia terhadap fluktuasi kondisi makroekonomi dan kondisi fundamental saat pandemi covid 19 |
| topic | sharia banking resilience sharia bank profitability covid-19 pandemic |
| url | https://ejournal.uinfasbengkulu.ac.id/index.php/Al-Intaj/article/view/2748 |
| work_keys_str_mv | AT ayuyuningsih ketahananperbankansyariahindonesiaterhadapfluktuasikondisimakroekonomidankondisifundamentalsaatpandemicovid19 AT estialfiah ketahananperbankansyariahindonesiaterhadapfluktuasikondisimakroekonomidankondisifundamentalsaatpandemicovid19 |