THE SHARIA BANK STABILITY: HOW FINTECH AND FINANCIAL RATIO FIXED IT?
Main Article Content
Abstract
This study aims to see whether the stability of Islamic banks is sufficiently dependent on financial technology and several financial ratios. The research was conducted at Islamic banks in Indonesia and Malaysia. To get the research sample used, a purposive sampling technique. The research sample consisted of 14 Islamic banks and was observed from 2017 to 2021. The analytical method uses panel data regression. The research results show. Capital Adequacy Ratio, Non-Performing financing (NPF), Equity-to-Assets Ratio (EAR) and firm size significantly affect bank stability, while financial technology, Assets Turnover, and Cost to Income Ratio (CIR) have no significant effect. Bank stability is one of the determinants of the goodness of state finances, so it needs to be a concern. Banks can increase capital values and firm size, then maintain NPF and EAR values to keep bank financial stability. Even though several other factors are not significant, banks still need to maintain the stability of their value so that the impact does not get worse.
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THE SHARIA BANK STABILITY: HOW FINTECH AND FINANCIAL RATIO FIXED IT?. (2023). I-Finance: A Research Journal on Islamic Finance, 9(1), 51-69. https://doi.org/10.19109/ifinance.v9i1.17023
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I-Finance by http://jurnal.radenfatah.ac.id/index.php/I-Finance is lincensed under a Creative Commons Attribution-ShareAlike 4.0 International Lisence.
How to Cite
THE SHARIA BANK STABILITY: HOW FINTECH AND FINANCIAL RATIO FIXED IT?. (2023). I-Finance: A Research Journal on Islamic Finance, 9(1), 51-69. https://doi.org/10.19109/ifinance.v9i1.17023
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Ghozali, M., Ulul Azmi, M., & Nugroho, W. (2019). Perkembangan Bank Syariah Di Asia Tenggara: Sebuah Kajian Historis. JES (Jurnal Ekonomi Syariah), 4(1), 44–55. https://doi.org/https://doi.org/10.22219/jes.v4i1.8700
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Ido, G. A. (2016). Analisis Bank Size, Ldr, Car, Npl Di Sektor Perbankan Yang Terdaftar Di Bursa Efek Indonesia. Stie Perbanas, 1–18. http://eprints.perbanas.ac.id/1724/1/ARTIKEL ILMIAH.pdf
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Kabir, M. N., & Worthington, A. C. (2017). The ‘competition–stability/fragility’ nexus: A comparative analysis of Islamic and conventional banks. International Review of Financial Analysis, 50, 111–128. https://doi.org/10.1016/j.irfa.2017.02.006
Ketaren, E. V., & Haryanto, A. M. (2020). Pengaruh Kinerja Keuangan Terhadap Stabilitas Perbankan Yang Terdaftar di bursa Efek Indonesia. 9(2019), 1–13.
Khera, P., Ng, S., Ogawa, S., & Sahay, R. (2021). Is Digital Financial Inclusion Unlocking Growth?
Kurniawati, A., & Indriyani, S. N. (2022). Pengaruh Loan To Deposit Ratio, Net Interest Margin Dan Nonperforming Loan Terhadap Stabilitas Sistem Keuangan Perbankan Di Indonesia. Jurnal Manajemen Bisnis Krisnadwipayana, 10(1). https://doi.org/10.35137/jmbk.v10i1.676
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