RISK AND FINANCIAL HEALTH LEVEL OF SHARIABANKING

Muhammad Tho'in, Tri Irawati

Abstract


The purpose of this research is to analyze financial risk and financial health level of sharia banking in Indonesia. This is done to obtain empirical evidence about the possible relationship and influence of financial risk, Non Performing Financing and operational risk (ATMR for operational risk) and bank financial health (Net Operating margin, Return on Asset and Return on Equity) Banks, inflation and Gross Domestic Product as a control variable in sharia banking in Indonesia. This study used panel data analysis and used 9 Islamic banks withinfive years in a period, from 2012 to 2016, so the sample used in this study were 45 data. Data is processed by using Eviews software version 9 and Microsoft Excel. The results showed that simultaneously financial risk did not have significant effect onNOM, but had significant effect on ROA and ROE. Partially, NPF variables had only significantly influence on NOM, FDR and NPF variable had significant effect on ROA, while FDR variable had significant effect on ROE. The control variable used in this study did not affect the existing level of financial health.

Keywords


Financial risk, level of financial health of sharia banking

Full Text:

PDF

References


Ahmad, Salman, et all. (2012). Determinants Of Profitability Of Pakistani Banks: Panel Data Evidence For The Period 2001-2010. Journal of Business Studies Quarterly 2012, Vol. 4, No. 1, pp. 149-165.

Astutik, Puji. (2015). Pengaruh Tingkat Kesehatan Bank Menurut Risk Based Bank Rating terhadap Kinerja Keuangan (Studi pada Bank Umum Syariah di Indonesia). Tidak dipublikasikan. Jurnal Universitas Brawijaya.

Fadhlurrahman, Nuha dan Irni Yunita. (2015). Analisis pengaruh CAR, FDR, NPF dan NIM terhadap Perubahan Laba Komprehensif di Bank Syariah periode 2012-2013.

Gujarati, Damodar. (2006) . Dasar-Dasar Ekonometrika.Jakarta: Erlangga.

Hassan, H. A et all. (2015). Financial Risk And Islamic Bank’s Performance In The Gulf Cooperation Council Countries. The International Journal of Business And Finance Research. ISSN. Vol. 9, No. 15. Pp 103-112

Rafelia, Thyas dan Ardiyanto, Moh. Didik. (2013). Pengaruh CAR, FDR, NPF, dan BOPO terhadap ROE Bank Syariah Mandiri Periode Desember 2008-Agustus 2012. Jurnal Akuntansi UNDIP. Vol. 1: 1-9.

Sanusi, Anwar. (2014). Metodologi Penelitian Bisnis. PT. Salemba Empat : Jakarta.

Nikos Ioani. (2012). Profitability factors and efficiency of Greek banks. Euro Med Journal of Business. Vol. 7 Iss: 2, pp.185 – 200.


Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

Published by:
Institute for Managing and Publishing of Scientific Journal

JRAE (Journal Research and Analysis: Economy)

e-ISSN: 2597-6591

Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Singkawang

Address : STKIP Singkawang, Jalan STKIP - Kelurahan Naram Singkawang, Kalimantan Barat, INDONESIA, 79251
No. Telp.   : +62562 420 0344
No. Fax.    : +62562 420 0342

Editor in Chief: jrae@journal.stkipsingkawang.ac.id/ Wa: +6282153840062

Coordinator: lp2jistkipsingkawang@gmail.com / journal@stkipsingkawang.ac.id / Wa: +6282142072788

Plagiarism Tools

     

Creative Commons License

JRAE (Journal Research and Analysis: Economy) is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.