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description Journal article public Jurnal Keuangan dan Perbankan

Perbandingan Pengelolaan Risiko Kredit Perbankan Syariah dan Perbankan Konvensional

Muhammad Iqbal
Published July 2017

Abstract

This study aims to identify factors that can be used as indicators in reducing the incidence of creditrisk in sharia banking and conventional banking. The variables that become observations includebanking performance in each group and macroeconomic performance. The banking performancevariables include credit risk itself as measured by problem financing, growth in financing, growthin third party funds, and banking size. While macroeconomic variables include national income,interest rates, and inflation. Autoregressive and distributed lag methods are used to identify whichvariables can be used as indicators. The results showed that all identified factors can be an indicatorin the process of credit risk control both in sharia banking and conventional banking. Onlycredit growth in conventional banking alone can not be used as an indicator of credit risk control.

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