Exploring Determinants of Saving and Financing Aspects in Islamic Banks: An Insight from Indonesia

Asian Economic and Financial Review

article

Armiadi MUSA¹  Bismi KHALIDIN²  Hafas FURQANI¹  Azharsyah IBRAHIM³  Nurrahmah IS¹ 

[1] Department of Islamic Economics, Universitas Islam Negeri Ar-Raniry;Department of Islamic Economics Law, Universitas Islam Negeri Ar-Raniry;Department of Islamic Banking and Finance, Universitas Islam Negeri Ar-Raniry

关键词: Islamic bank;    Saving;    Financing;    Commercial bank;    Savings banks;    Macroeconomics factors.;   

DOI  :  10.55493/5002.v12i8.4565

学科分类：社会科学、人文和艺术（综合）

来源: Asian Economic and Social Society

【 摘 要 】

Savings and financing are two significant products of Islamic banking in Indonesia. This study examines the relationship between these two products and key macroeconomic factors. The data was gathered from the Central Bank of Indonesia (BI), the Financial Services Authority (OJK), and the Indonesia Statistics Bureau (BPS). The profit-sharing rate (PSR) and profit and loss sharing (PLS) were examined using a mixture of the addition and balanced average approaches, whereas the relationships among the variables were analyzed using Pearson’s and Spearman’s rank correlation coefficient tests. The findings show a statistically significant correlation between the investigated variables. It was discovered that interest rates, inflation, the consumer price index, the currency rate, and the stock price index all influence savings and financing. There was a negative association between savings and inflation, but there was no relationship between savings and profit-sharing ratios. These findings have policy development implications for Islamic banking in Indonesia in terms of savings and financing options.

【 授权许可】

CC BY