ANALYSIS OF THE INFLUENCE OF INTERNAL FACTORS AND EXTERNAL FACTORS ON THE STABILITY OF ISLAMIC COMMERCIAL BANKS IN INDONESIA BEFORE AND DURING THE COVID PANDEMIC - 19

Authors

  • Eliza Febriana Politeknik Negeri Bandung
  • Fatmi Hadiani Politeknik Negeri bandung

DOI:

https://doi.org/10.35313/ekspansi.v16i2.6006

Abstract

Abstract: This research compares the stability of Sharia Commercial Banks before and during the COVID-19 pandemic, by looking at the impact of internal and external factors. 10 banks that met the criteria were included in the purposive sample used to select the sample for this research. The data obtained comes from the World Bank, Central Statistics Agency, and the official website of each Sharia Commercial Bank. This research includes internal variables such as CAR, NPF, and ISR and external factors consisting of inflation, GDP growth, and bank competition. As an analysis tool, Stata software is used to perform panel data regression and t-test data analysis. Based on the tests that have been carried out, the best model chosen is FEM with CAR, ISR and competition results having a significant positive influence, NPF and Inflation having an insignificant negative influence and GDP growth having an insignificant positive influence. The Wilcoxon Signed Rank Test was used because the research data was not normally distributed. As a result, the stability of Sharia Commercial Banks before and during the COVID-19 pandemic was no different.

 

Keywords: Stability, Capital Adequacy Ratio, Non-Performing Financing, Islamic Social Responsibility, Inflation, GDP Growth, Bank Competition.

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Published

2024-11-30 — Updated on 2024-11-30

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