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All Journal Economic Journal of Emerging Markets JEJAK Jurnal Ekonomi & Studi Pembangunan Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Global Review of Islamic Economics and Business Tazkia Islamic Finance and Business Review Al Tijarah International Journal of Islamic Economics and Finance (IJIEF) Jurnal Ekonomi & Keuangan Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Proceeding of Conference on Islamic Management, Accounting, and Economics BALANCE: Economic, Business, Management and Accounting Journal Journal of Contemporary Accounting Share: Jurnal Ekonomi dan Keuangan Islam Economic Development Analysis Journal
Faaza Fakhrunnas
Department Of Economics Universitas Islam Indonesia, Yogyakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Journal : Economic Journal of Emerging Markets

 1 
Macroeconomic effect and risk-taking behavior in a dual banking system Faaza Fakhrunnas; Wulan Dari; Mustika Noor Mifrahi
Economic Journal of Emerging Markets Volume 10 Issue 2, 2018
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol10.iss2.art5

Abstract

This study aims to analyze the relationship between macroeconomic factors and risk-taking behavior in a dual banking system. Adopting a panel cointegration approach, this research posits macroeconomic factors as exogenous variables and risk-taking behavior as endogenous variables. With having 468 quarterly-observations consisting of 18 banks in Indonesia during 2010-Q4 to 2017-Q1, it finds that the risk-taking behavior of the banks has a long-term relationship with macroeconomic factors. Moreover, conventional bank has long-term relationship to macroeconomic nonetheless it results inversely to Islamic bank. In terms of bank-specified characteristics, bank size and equity to asset ratio are substantial factors for the banks’ risk mitigation.
Islamic banks credit risk performance for home financing: Before and during Covid-19 pandemic MB Hendrie Anto; Faaza Fakhrunnas; Yunice Karina Tumewang
Economic Journal of Emerging Markets Volume 14 Issue 1, 2022
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol14.iss1.art9

Abstract

Purpose ― This study aims to assess the home financing credit risk performed by Islamic banks in Indonesia. Methods ― A panel dynamic analysis is adopted to measure the bad loan performance before and during the Covid-19 pandemic. The observation period started from January 2016 to September 2020 with 1,881 observation periods of monthly panel data from the province level. Findings ― The study finds a difference in bad loan performance before and during the Covid-19 pandemic. Before this pandemic, inflation has a positive and significant influence on non-performing financing in real estate, rental business, and company service. However, during the Covid-19 pandemic, a substantial and positive effect of inflation is found on the bad loan for personal flat and apartment ownership. On the other hand, a significant and negative impact of inflation is found on the bad home loan for personal business shop ownership. Implication ― This analysis could trigger the government to provide financial assistance for those affected by the Covid-19 crisis. In addition to that, an Islamic bank is also expected to give financing allowances for them by providing an option of debt restructuration and rescheduling. Originality ― This paper analyses the Islamic bank’s credit risk performance for home financing before and during the Covid-19 pandemic. This issue has not been presented in the literature to the best of our knowledge.
Co-Authors Albana, Hilman Fikri Annisa Zanuar Rahma Annisa, Intan Tri Een Nuraeni Intan Tri Annisa Jannatul Liutammima Musta'in Jannatul Liutammima Musta’in Kinanthi Putri Ardiami Lak Lak Nazhat El Hasanah MB Hendrie Anto Mochamad Ali Imron Muhammad Hamdan Syafieq bin Ahmad Musta'in, Jannatul Liutammima Mustika Noor Mifrahi Nahar, Faiza Husnayeni Nugrohowati, Rindang Nuri Isnaini Rahma, Annisa Zanuar Tumewang, Yunice Karina Tumewang, Yunice Karina Wulan Dari Zulkufly Ramly