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Prevention Effectiveness of Non-Performing Financing in the Indonesian Islamic Bank

ETIKONOMI · Vol. 18 No. 2 (2019) · hlm. 259–274

DOI
10.15408/etk.v18i2.11262
ISSN
2461-0771, 1412-8969
Terbit
2019-09-22
Penerbit
Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta
Bahasa
eng

Abstrak

Islamic banking still has a high ratio of non-performing financing. This study analyzes the causes of non-performing financing, along with the prevention effectiveness and resolution strategies performed by Islamic banks in dealing with this problem. Interviews conducted on nine informants, with questionnaires distributed to 30 respondents. The results show that the prevention effectiveness performed by Islamic banks consists of legal aspects, qualified human resources, and criteria assessment used to finance proposals, and improve risk management. Furthermore, internal factors such as default, information asymmetry, and financial stress were attributes of non-performing financing, which is externally influenced by inflation, GDP decline, natural disasters, interest rates, and political criminality.JEL Classification: G21, G32

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13 penulis · 25 tautan kepenulisan bersama · 10 lintas organisasi

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  • Syarif Hidayatullah State Islamic University Jakarta
  • Universitas Pamulang
  • Sekolah Tinggi Ekonomi dan Bisnis Syariah Indo Global Mandiri
  • State University of Malang
  • Politeknik Keuangan Negara STAN
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Rekan penulisOrganisasiArtikel bersama
Riza Eko SuswantoSyarif Hidayatullah State Islamic University Jakarta1
Ickhsanto WahyudiSyarif Hidayatullah State Islamic University Jakarta1
Rahmawati RahmawatiSyarif Hidayatullah State Islamic University Jakarta1
JM MusliminSyarif Hidayatullah State Islamic University Jakarta1
Nur HidayahState University of Malang1
Meriyati MeriyatiSekolah Tinggi Ekonomi dan Bisnis Syariah Indo Global Mandiri1
Masruri MuchtarPoliteknik Keuangan Negara STAN1
Euis AmaliaSyarif Hidayatullah State Islamic University Jakarta1
Muhamad Nadratuzzaman HosenSyarif Hidayatullah State Islamic University Jakarta1
Hafid Asy’ariAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) http://journal.uinjkt.ac.id/index.php/etikonomi/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Prevention Effectiveness of Non-Performing Financing in the Indonesian Islamic Bank</dc:title>
	<dc:creator xml:lang="en">Mutawali, M.</dc:creator>
	<dc:creator xml:lang="en">Rodoni, Ahmad</dc:creator>
	<dc:creator xml:lang="en">Said, Muhammad bin</dc:creator>
	<dc:subject xml:lang="en">non performing financing</dc:subject>
	<dc:subject xml:lang="en">prevention effectiveness</dc:subject>
	<dc:subject xml:lang="en">Islamic banks</dc:subject>
	<dc:description xml:lang="en">Islamic banking still has a high ratio of non-performing financing. This study analyzes the causes of non-performing financing, along with the prevention effectiveness and resolution strategies performed by Islamic banks in dealing with this problem. Interviews conducted on nine informants, with questionnaires distributed to 30 respondents. The results show that the prevention effectiveness performed by Islamic banks consists of legal aspects, qualified human resources, and criteria assessment used to finance proposals, and improve risk management. Furthermore, internal factors such as default, information asymmetry, and financial stress were attributes of non-performing financing, which is externally influenced by inflation, GDP decline, natural disasters, interest rates, and political criminality.JEL Classification: G21, G32</dc:description>
	<dc:publisher xml:lang="en">Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta</dc:publisher>
	<dc:date>2019-09-22</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/11262</dc:identifier>
	<dc:identifier>10.15408/etk.v18i2.11262</dc:identifier>
	<dc:source xml:lang="en">ETIKONOMI; Vol. 18 No. 2 (2019); 259-274</dc:source>
	<dc:source>2461-0771</dc:source>
	<dc:source>1412-8969</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/11262/pdf</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2019 ETIKONOMI</dc:rights>
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