Is the COVID-19 Matters for Islamic Banking Performance? A Cross-Countries Analysis

IF 1 Q3 ECONOMICS
Etikonomi Pub Date : 2024-04-11 DOI:10.15408/etk.v23i1.31243
Rindang Nuri Isnaini Nugrohowati, Faaza Fakhrunnas
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引用次数: 0

Abstract

Research Originality: Considering the originality of the study to have a deeper investigation on the impact of the pandemic on bank’s risk and return.Research Objectives: This study aims to identify the impact of Covid-19 on bank performance and risk levels.Research Methods: This study focuses on Islamic banks in 12 countries with the most developed financial sector during the 4th quarter of 2016 to the 1st quarter of 2022. The data analysis method in this study adopts panel data analysis with a fixed effect model.Empirical Results: The finding of the study shows that the Covid-19 pandemic resulted in a decline in the performance of Islamic banks, as seen from the ratio of return on average asset, return on equity, net profit margin, return on average asset, and return on average equity. However, an interesting finding from this research is that there is no concern about worsening bank risk levels as reflected in the nonperforming financing, Z-Score, and leverage ratio. Meanwhile, the control variables, bank size and inflation rate, also affect the performance and risk of Islamic banks.Implications: The study implies that banking practitioners and financial authority for the banking sector are required to issue some financial strategies in order to achieve and maintain a certain level of financial performance, especially during financial turmoil. JEL Classification: G20, G21, G28 How to Cite:Nugrohowati, R. N. I., & Fakhrunnas, F. (2024). The COVID-19 Matters for Islamic Banking Performance? A Cross-Countries Analysis. Etikonomi, 23(1), 201 – 218. https://doi.org/10.15408/etk.v23i1.31243.
COVID-19 是否影响伊斯兰银行业的业绩?跨国分析
研究的原创性:研究目的:本研究旨在确定 Covid-19 对银行业绩和风险水平的影响:本研究旨在确定 Covid-19 对银行业绩和风险水平的影响:本研究主要针对 2016 年第四季度至 2022 年第一季度金融业最发达的 12 个国家的伊斯兰银行。本研究的数据分析方法采用固定效应模型的面板数据分析:研究结果表明,从平均资产收益率、股本收益率、净利润率、平均资产收益率和平均股本收益率的比率来看,"科维德-19 "大流行导致伊斯兰银行业绩下降。然而,这项研究的一个有趣发现是,从不良融资、Z-Score 和杠杆比率中可以看出,人们并不担心银行风险水平会恶化。同时,银行规模和通货膨胀率等控制变量也会影响伊斯兰银行的业绩和风险:该研究表明,银行从业人员和银行业金融管理部门需要发布一些金融战略,以实现并保持一定的金融绩效水平,尤其是在金融动荡时期。JEL 分类:G20, G21, G28 如何引用:Nugrohowati, R. N. I., & Fakhrunnas, F. (2024).COVID-19对伊斯兰银行业绩效的影响?跨国分析。Etikonomi, 23(1), 201 - 218. https://doi.org/10.15408/etk.v23i1.31243.
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
Etikonomi
Etikonomi ECONOMICS-
自引率
12.50%
发文量
29
审稿时长
12 weeks
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