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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 Economics Development Analysis Journal 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
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 : Jurnal Ekonomi

 1 
Total Financing of Islamic Rural Banks and Regional Macroeconomic Factors: A Dynamic Panel Approach Fakhrunnas, Faaza
Jurnal Ekonomi & Studi Pembangunan JESP Volume 21 Nomor 1, April 2020
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.21.1.5028

Abstract

Islamic rural bank is a special purpose of Islamic banks, which finances Small and Medium Enterprises (SMEs) in Indonesia. This research aims to investigate a long-run relationship of the influence of regional inflation and economic growth on the total financing of Islamic rural banks in Indonesia. By adopting panel dynamics approach, this study utilized a biggest Islamic rural bank in each Indonesian province from 2013 to 2017 based on quarterly data, which consisted of 420 observation period. The result of this study exhibited that a long-run relationship existed among regional inflation and economic growth to the total financing of Islamic rural banks. Specifically, the long-run relationship also appeared in big size Islamic rural banks, although it was not in small and medium size Islamic rural banks. Variance decompositions and Impulse response factors analysis’ result explained that the majority of all regional macroeconomic variables contributed to the influence of total financing on the Islamic rural bank. The directions of its influence were different from each sample group. According to the results, Indonesian central bank must maintain inflation rate in the safety level for financial industry by following determined inflation target through appropriate monetary policies. This recommendation for the central bank is aimed to maintain and boost Islamic rural banks’ financing that will give benefits for financial industry in Indonesia.
The Determinants of Islamic Banks’ Non-Performing Financing in the Small-Medium Enterprises (SMEs) Sector Faaza Fakhrunnas; Lak Lak Nazhat El Hasanah
Jurnal Ekonomi & Studi Pembangunan Vol 23, No 2: October 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v23i2.15562

Abstract

The performance of Islamic banks in financing activities is determined by many factors, including macroeconomic variables and internal factors, such as the financial performance of the bank. The study investigates the determinant of non-performing financing (NPF) of Islamic banks in Indonesia, particularly in Small-Medium Enterprises (SMEs) sector. Adopting the panel data analysis, the data comprise 33 provinces in Indonesia starting from 2016m1 to 2021m07, equal to a 2211 observation period. The study reveals that the size of the bank’s asset and financing to deposit ratio (FDR) of Islamic banks has a significant relationship to NPF value in SMEs sector, and the impact remains unchanged in the period before and during the COVID-19 pandemic. From the regional viewpoint, the size of the bank’s assets also has a significant influence on NPF in the provinces located in Java but not outside of Java. As a policy implication, the study suggests that the size of a bank’s assets must be enhanced with prudent risk management in financing activities in the SME sector. Surely, the policy can be implemented in a top-down approach through government and financial authority; then it also can be applied bottom-up approach through the bank’s business activities. Finally, as the limitation of the research, the study only utilizes limited variables and uses a single-country analysis which can be improved and extended for future study.
Co-Authors Albana, Hilman Fikri Annisa, Intan Tri Een Nuraeni Intan Tri Annisa 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