Moderating Effect of Inflation on the Influence of Financial Performance on the Growth of Islamic Banking in Indonesia

Djazuli, Abid; Candera, Mister

doi:10.47747/ijfr.v1i2.259

Cited by 4 publications

(3 citation statements)

References 3 publications

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“…Similar results in Delbariragheb & Zadeh (2015), Kalifa & Bektaş (2017), also in Dao & Nguyen (2020). However, different results occur in Abiodun, et al (2020) that inflation has no significant effect on the Capital Adequacy Ratio, also in Djazuli & Candera (2020) 2020) have produced research on bank efficiency that has a significant effect with a positive correlation to the Capital Adequacy Ratio (CAR). Different results are produced in Bukian & Sudiartha (2016) that bank efficiency has a significant effect with a negative correlation to CAR.…”

Section: Literature Reviewsupporting

confidence: 62%

Capital Adequacy Ratio Modeling

Lumbanraja,

Yulianto,

Hakim

2023

ijmst

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Intends to analyze the determinants of BOPO and its implications for CAR. This is important for banking management guidelines and society in general. The results are expected to find whether BOPO can mediate against CAR. Make a formula to maximize CAR value through BOPO as an indicator of efficiency and intervening variable. The object is a banking company on the Indonesia Stock Exchange (IDX) with a sample of 20 companies, a span of 8 years to form the 160 Observations data panel. There are two research models (Determinants of BOPO and Implications for CAR) which are integrated into one model using Eviews 9 software. In both analysis, a model selection test is required through the Chow Test, Hausman Test, and Lagrange Multiplier Test (LM). The results of the first model, an increase in INF, FS has an impact on a decrease in BOPO (efficient), results that are contrary to theory, LDR is positively correlated, NPL is negatively correlated, KI. The results of the second model, INF, LDR have a significant negative correlation with CAR, while KI, FS, NPL, and BOPO are significant according to theory. Significant BOPO intervening variables described by INFL, FS. It is hoped that it can help bank management in Indonesia to manage efficiency which has implications for CAR, considering that a bank is a place for people to secure their financial assets and trust institutions. Formulate a model for increasing CAR through BOPO efficiency as an intervening variable

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Section: Literature Reviewsupporting

confidence: 62%

Capital Adequacy Ratio Modeling

Lumbanraja,

Yulianto,

Hakim

2023

ijmst

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“…Inflation can only predict the effect of return on assets on the growth of Islamic banking in Indonesia (Djazuli & Candera, 2021). Islamic financial development remains effective in slowing economic growth when there is an inflationary situation for our Middle East and Northern Africa (MENA) study region (Mtiraoui, 2021).…”

Section: Literature Reviewmentioning

confidence: 99%

Asset-Based Money Systems in a Global Context: Implications for Social Inclusion and Economic Development

Rehana Yamin,

Noman Arshed,

Ejaz Aslam

2024

IJMRES

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Fiat money based financial system has disturbed the balance between household demand and firm supply. Further, government monetary intervention to curb inflationary demand is hurting production via the cost of capital and disturbing the functionality of the financial system in terms of capital market misallocation. These aspects are trickling down to cause social disturbance in the economy. Corresponding to it, the gold standard or at least assets-based money promotes social inclusion, empowers marginalized communities, and addresses socio-economic challenges by using tangible assets as a monetary system. The study explores assets-based money’s theoretical foundations, distinguishing it from traditional debt-based models and its potential benefits on social inclusion. It analyzes potential benefits, challenges, and limitations in implementing assets-based money systems. Several empirical studies explored debit cases of Islamic and conventional finance sectors, but this study examines the high power money and social inclusion in the economy. For this determination, the quantitative research approach consisted of selected 143 countries panel data of conventional and Islamic financial statements from 1960-2022. The model contains regression estimates, descriptive analysis, and correlation coefficient analysis. The assets-based money boosts living standards and positively impacts poverty reduction. This money reduces the inflationary effects of monetary expansion, hurting the purchasing power of low-income groups. Further, it is expected to have a growth-promoting effect via risk sharing and resource distribution. Assets-based money can support economic growth, financial stability, and inclusive development through a well-designed implementation strategy, but success depends on thorough research and analysis.

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“…Hasil ini mengindikasikan bahwa Inflasi memoderasi hubungan antara pinjaman beredar terhadap kinerja keuangan dengan pengaruh negatif yang sebelum berinteraksi dengan inflasi pengaruhnya positif. Penelitian ini tidak sejalan dengan penelitian Djazuli & Candera (2020) yang menyatakan Inflasi tidak dapat memoderasi pengaruh financing to deposit ratio terhadap pertumbuhan perbankan syariah di Indonesia.…”

Section: Uji Hipotesisunclassified

Pengaruh Biaya Operasional, Modal Dan Pinjaman Beredar Terhadap Kinerja Keuangan Credit Union Dengan Inflasi Sebagai Variabel Moderator (Studi Empiris Di Kalimantan Barat)

Daniel

2023

ejme

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Penelitian ini bertujuan untuk menganalisis Pengaruh Biaya Operasional, Modal dan Pinjaman Beredar Terhadap Kinerja Keuangan Credit Union Dengan Inflasi Sebagai Moderator (Studi Empiris Di Kalimantan Barat). Penelitian ini berbentuk eksplanatory research. Variabel yang menjelaskan (variabel bebas) adalah Biaya Operasional (BOPO), Modal, dan Pinjaman Beredar, variabel yang dijelaskan (variabel terikat) adalah Kinerja Keuangan (ROA) dan Inflasi (INF) sebagai moderator. Anaisis data yang digunakan adalah analisis regresi data panel dengan bantuan aplikasi statistik E-Views 10. Data yang digunakan adalah data sekunder yang dikumpulkan dari CU Sekunder yang ada di Kalimantan Barat dengan jumlah observasi 100 yang terdiri dari 20 credit union dengan 5 tahun pelaporan dari tahun 2017 sampai 2021. Populasi pada penelitian ini adalah seluruh gerakan credit union di Kalimantan Barat.Berdasarkan pengujian statistik, ditemukan hasil bahwa Biaya Operasional berpengaruh negatif dan signifikan terhadap Kinerja Keuangan, Modal berpengaruh positif namun tidak signifikan terhadap Kinerja Keuangan, Pinjaman Beredar yang diproksi dengan Loan to Deposite Ratio (LDR) berpengaruh positif dan signifikan terhadap Kinerja Keuangan. Inflasi memoderasi (menguatkan) pengaruh antara Biaya Operasional dengan Kinerja Keuangan. Inflasi tidak memoderasi hubungan antara Modal terhadap Kinerja Keuangan. Inflasi memoderasi (melemahkan) pengaruh Pinjaman beredar terhadap Kinerja Keuangan, artinya Inflasi membuat pengaruh pinjaman beredar terhadap Kinerja Keuangan menjadi negatif. Hal ini sesuai dengan Teori Sinyal bahwa sinyal kinerja keuangan yang baik akan direspon positif oleh investor dalam hal ini anggota.

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Moderating Effect of Inflation on the Influence of Financial Performance on the Growth of Islamic Banking in Indonesia

Cited by 4 publications

References 3 publications

Capital Adequacy Ratio Modeling

Capital Adequacy Ratio Modeling

Asset-Based Money Systems in a Global Context: Implications for Social Inclusion and Economic Development

Pengaruh Biaya Operasional, Modal Dan Pinjaman Beredar Terhadap Kinerja Keuangan Credit Union Dengan Inflasi Sebagai Variabel Moderator (Studi Empiris Di Kalimantan Barat)

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