A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia
Purpose – This study aims to analyze the non-performance financing determinant of Islamic Banking (IB) in Indonesia through spatial analysis. These determinants consist of macroeconomic and microeconomic variables Methodology – Samples in this research were selected using the purposive sampling te...
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| Format: | Article |
| Language: | English |
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Center for Islamic Economics Studies and Development
2021-09-01
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| Series: | Jurnal Ekonomi dan Keuangan Islam |
| Subjects: | |
| Online Access: | http://journal.uii.ac.id/JEKI/article/view/20765 |
| _version_ | 1811320832788529152 |
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| author | Eko Suprayitno Rizky Mubarocha Hardiani |
| author_facet | Eko Suprayitno Rizky Mubarocha Hardiani |
| author_sort | Eko Suprayitno |
| collection | DOAJ |
| description |
Purpose – This study aims to analyze the non-performance financing determinant of Islamic Banking (IB) in Indonesia through spatial analysis. These determinants consist of macroeconomic and microeconomic variables
Methodology – Samples in this research were selected using the purposive sampling technique with the criteria of Islamic banks registered in the Financial Services Authority (OJK) that released quarterly data reports and financial reports during 2015-2020. There are 7 Islamic banks that met the criteria.
Findings – Results showed that the ROA, Inflation, GDP, and BI Rate simultaneously affected the NPF level, while FDR and CAR do not affect the NPF level of Islamic commercial banks. Meanwhile, partially FDR, BOPO, CAR, ROA, Inflation, GDP, and BI Rate affect the NPF level. In addition, the spatial analysis showed that based on the global distribution, there is a significant spatial effect through the geographical location between one bank and other.
Originality – This research provides empirical data related to the determinants of non-performing financing, using the spatial analysis approach. Moreover, this research also uses the most updated data, Islamic and conventional banks during 2015-2020
Research limitations – Related to the samples of Islamic banks, this research only investigates those registered in OJK, not all Islamic banks in Indonesia.
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| first_indexed | 2024-04-13T13:07:36Z |
| format | Article |
| id | doaj.art-9a4b6f9a7d6141ce8248b13a9e291fc9 |
| institution | Directory Open Access Journal |
| issn | 2088-9968 2614-6908 |
| language | English |
| last_indexed | 2024-04-13T13:07:36Z |
| publishDate | 2021-09-01 |
| publisher | Center for Islamic Economics Studies and Development |
| record_format | Article |
| series | Jurnal Ekonomi dan Keuangan Islam |
| spelling | doaj.art-9a4b6f9a7d6141ce8248b13a9e291fc92022-12-22T02:45:44ZengCenter for Islamic Economics Studies and DevelopmentJurnal Ekonomi dan Keuangan Islam2088-99682614-69082021-09-017210.20885/jeki.vol7.iss2.art710948A spatial analysis of non-performance financing determinants in Islamic banks in IndonesiaEko Suprayitno0Rizky Mubarocha Hardiani1Faculty of Economics, Maulana Malik Ibrahim State Islamic University Malang, Malang, IndonesiaFaculty of Economics, Maulana Malik Ibrahim State Islamic University Malang, Malang, Indonesia Purpose – This study aims to analyze the non-performance financing determinant of Islamic Banking (IB) in Indonesia through spatial analysis. These determinants consist of macroeconomic and microeconomic variables Methodology – Samples in this research were selected using the purposive sampling technique with the criteria of Islamic banks registered in the Financial Services Authority (OJK) that released quarterly data reports and financial reports during 2015-2020. There are 7 Islamic banks that met the criteria. Findings – Results showed that the ROA, Inflation, GDP, and BI Rate simultaneously affected the NPF level, while FDR and CAR do not affect the NPF level of Islamic commercial banks. Meanwhile, partially FDR, BOPO, CAR, ROA, Inflation, GDP, and BI Rate affect the NPF level. In addition, the spatial analysis showed that based on the global distribution, there is a significant spatial effect through the geographical location between one bank and other. Originality – This research provides empirical data related to the determinants of non-performing financing, using the spatial analysis approach. Moreover, this research also uses the most updated data, Islamic and conventional banks during 2015-2020 Research limitations – Related to the samples of Islamic banks, this research only investigates those registered in OJK, not all Islamic banks in Indonesia. http://journal.uii.ac.id/JEKI/article/view/20765Islamic BankNon-Performing FinancingSpatial AnalysisMicroeconomic VariablesMacroeconomic Variables |
| spellingShingle | Eko Suprayitno Rizky Mubarocha Hardiani A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia Jurnal Ekonomi dan Keuangan Islam Islamic Bank Non-Performing Financing Spatial Analysis Microeconomic Variables Macroeconomic Variables |
| title | A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia |
| title_full | A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia |
| title_fullStr | A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia |
| title_full_unstemmed | A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia |
| title_short | A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia |
| title_sort | spatial analysis of non performance financing determinants in islamic banks in indonesia |
| topic | Islamic Bank Non-Performing Financing Spatial Analysis Microeconomic Variables Macroeconomic Variables |
| url | http://journal.uii.ac.id/JEKI/article/view/20765 |
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