Title: Capital Buffer, Risk, Profitability, Size, And Macroeconomics: Empirical Study On Islamic Banks
Authors:
- Dina Fitriasia Septiarini
- Ulis Choirotun Hisan
- Matsahri
- Dian Filianti
Department: Ekonomi Islam
Journal Name: Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics)
Kinds of Journal: Q3
Keywords: Capital Buffer, Islamic Economic Systems, Shariah Banks
Abstract:
The development of Islamic economics has led to the growth of Islamic banking, as a financial institution based on sharia principles. This research aims to analyze the relationship of risk, profitability, company size, and macroeconomics with capital buffer of Shariah Commercial Banks Indonesia during the period of 2015-2019. The study used a quantitative approach of the regression panel data with stata13 statistical tools. This study used secondary data with a population of 14 sharia commercial banks and a sample of 12 Islamic commercial banks using purposive sampling method. BOPO, NPM, ROA, and KURS (exchange rate) were found to have significant positive effects on CB. SIZE has a significant negative effect, while NPF has positive insignificant effect on CB. Islamic banks, regulators, and governments may consider risks, profitability, company size, and macroeconomic conditions in determining the size of capital buffers and maintaining the adequacy of capital owned by Islamic Banking.
For details: https://journal.uinjkt.ac.id/index.php/iqtishad/article/download/20823/pdf
