SITI NUR INDAH ROFIQOH, 040510292 and Ririn Tri Ratnasari, - and Anik Rufaidah, - and Fatin Fadhilah Hasib, - (2022) Multy Case Study: Risk-Based Bank Rating on Sharia Banking in Indonesia. Jihbiz: Journal of Islamic Economy, Finance, and Banking, 6 (1). pp. 15-26. ISSN pISSN 2549-0397, eISSN 2807-6028

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Abstract

This paper aims to explain the internal and external factors on the credit risk that represented by Non-Performing Financing (NPF) of sharia bank. Internal variables related to Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR). Return on Assets (ROA), Operating Expenses Ratio (OER), Investment Proportion and Risk (IPR), Profit and Loss Sharing (PLS) as financing ratio. External variables related to Gross Domestic Product (GDP) by industrial origin. The annual data report of Statistik Perbankan Syariah (SPS) and Statistik Ekonomi Keuangan Indonesia (SEKI) in Indonesia as secondary data is used to support priority setting of SWOT analysis element to complete IFAS dan EFAS after the multiple regression analysis. Different with the result of regression t and f-Statistic analysis, the finding indicated that internal variables more influence than external variable on the credit risk based on SWOT priority analysis. The most influence variable on the credit risk is increasing Operating Expenses Ratio (OER). The limitations of this paper are expected to have difference implication for SPS, the sharia compliance from regulator management and the important role of SPS and SEKI.

Item Type:	Article
Uncontrolled Keywords:	internal factors, external factors, the credit risk of sharia banking
Subjects:	H Social Sciences H Social Sciences > HG Finance H Social Sciences > HG Finance > HG1-9999 Finance > HG1501-3550 Banking
Divisions:	04. Fakultas Ekonomi dan Bisnis > S3 Ilmu Ekonomi Islam
Creators:	Creators NIM SITI NUR INDAH ROFIQOH, 040510292 UNSPECIFIED Ririn Tri Ratnasari, - NIDN0026117504 Anik Rufaidah, - UNSPECIFIED Fatin Fadhilah Hasib, - UNSPECIFIED
Depositing User:	Tn Sugeng Riyanto
Date Deposited:	17 Nov 2022 00:21
Last Modified:	17 Nov 2022 00:21
URI:	http://repository.unair.ac.id/id/eprint/118722
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