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Do Islamic Banks in Indonesia Take Excessive Risk in Their Financing Activities?

Journal of Islamic Monetary Economics and Finance · Vol. 8 No. 1 (2022) · hlm. 149–160

DOI
10.21098/jimf.v8i1.1431
ISSN
2460-6618, 2460-6146
Terbit
2022-02-28
Penerbit
Bank Indonesia
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc/4.0

Abstrak

This study analyzes the risk-taking behavior of Indonesian Islamic Banks by examining whether the relation between financing Growth rate and non-performing financing (NPF). We employ threshold regression models and bank-level data of 24 Islamic banks (full-fledged Islamic banks and Islamic banking windows) covering the period from 2009 to 2019. We find evidence for the excessive risk-taking of Islamic Banks. More specifically, while the relation between NPF and FGR is negative when the one-lagged NPF is below the threshold (estimated to be 5.42%), it turns positive once it is above the threshold. This means that banks with NPF above the 5.42 percent threshold tend to take risky loans.

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22 penulis · 43 tautan kepenulisan bersama · 7 lintas organisasi

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  • Bandung Institute of Technology
  • Universitas Halu Oleo
  • Universitas Bhayangkara Surabaya
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Rekan penulisOrganisasiArtikel bersama
Irfan HassandiBandung Institute of Technology2
Edy KarnoUniversitas Halu Oleo1
Muhammad IlhamAfiliasi tidak diketahui1
Gusti Ayu Kade SutariatiUniversitas Halu Oleo1
MIRZA ARSIATY ARSYADUniversitas Halu Oleo1
Andi NurmasUniversitas Halu Oleo1
Azhar AnsiUniversitas Halu Oleo1
MUHIDIN MUHIDINUniversitas Halu Oleo1
Dwi Tri AstutikAfiliasi tidak diketahui1
Sri Yuni WidowatiAfiliasi tidak diketahui1
Lulus PraptiAfiliasi tidak diketahui1
Haryono HaryonoUniversitas Bhayangkara Surabaya1
Yuli UtantoAfiliasi tidak diketahui1
Salma Fadhilah WidityaniBandung Institute of Technology1
Raden Aswin RahadiBandung Institute of Technology1
Yulianti YuliantiBandung Institute of Technology1
Hasna Laila Nabila KhilfahBandung Institute of Technology1
Teguh NugrahaBandung Institute of Technology1

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Sumber metadata: OAI-PMH (metadata jurnal) http://www.jimf-bi.org/index.php/JIMF/oai, pertama di-harvest 9 Nov 2026, terakhir terlihat 9 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Do Islamic Banks in Indonesia Take Excessive Risk in Their Financing Activities?</dc:title>
	<dc:creator xml:lang="en">Purbayanto, Muhamad Anindya Hiroshi</dc:creator>
	<dc:creator xml:lang="en">Faturohman, Taufik</dc:creator>
	<dc:creator xml:lang="en">Yulianti, Yulianti</dc:creator>
	<dc:creator xml:lang="en">Aliludin, Arson</dc:creator>
	<dc:subject xml:lang="en">Risk taking behavior, Non-performing financing (NPF), Threshold regression, Islamic banks.</dc:subject>
	<dc:description xml:lang="en">This study analyzes the risk-taking behavior of Indonesian Islamic Banks by examining whether the relation between financing Growth rate and non-performing financing (NPF). We employ threshold regression models and bank-level data of 24 Islamic banks (full-fledged Islamic banks and Islamic banking windows) covering the period from 2009 to 2019. We find evidence for the excessive risk-taking of Islamic Banks. More specifically, while the relation between NPF and FGR is negative when the one-lagged NPF is below the threshold (estimated to be 5.42%), it turns positive once it is above the threshold. This means that banks with NPF above the 5.42 percent threshold tend to take risky loans.</dc:description>
	<dc:publisher xml:lang="en">Bank Indonesia</dc:publisher>
	<dc:date>2022-02-28</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://jimf-bi.org/JIMF/article/view/1431</dc:identifier>
	<dc:identifier>10.21098/jimf.v8i1.1431</dc:identifier>
	<dc:source xml:lang="en">Journal of Islamic Monetary Economics and Finance; Vol. 8 No. 1 (2022); 149 - 160</dc:source>
	<dc:source>2460-6618</dc:source>
	<dc:source>2460-6146</dc:source>
	<dc:source>10.21098/jimf.v8i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jimf-bi.org/JIMF/article/view/1431/893</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2022 Taufik Faturohman, Muhamad Anindya Hiroshi Purbay, Yulianti Yulianti, Arson Aliludin</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-nc/4.0</dc:rights>
</oai_dc:dc>