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description Journal article public Jurnal Ekonomi Syariah, Akuntansi, dan Perbankan

Pengaruh Krisis Ekonomi 2008 dan Faktor Fundamental terhadap Penyaluran Pembiayaan Bank Syariah di Indonesia

Ali Muhayatsyah
Published Июнь 2020

Abstract

In conducting Islamic bank intermediation, internal and external indicator is needed in financial activities. In this research, the indicators that taken into consideration by Islamic bank in the public financial is the economic condition as an external factor. In this particular case the researcher observed the period of the economic crisis of 2008 as the subject year. The second indicator is the basic factor in the form of financial performance which is a controlling factor on the performance of Islamic bank financing. The result of this research explained that the external and internal factors in the decision-making of Islamic banks allocating funds to the public under conditions of economic crisis is influenced by inflation, deposits and net performing financing. The high inflationrate will increase the Islamic bank financing. The impact inflicted by the rising inflation is extra fund for financial needs that must be spent by the Islamic bank due to customers requiring additional funding to support their business operations. Other indicators, the more public funds are collected, hence can be used in distributing the Islamic bank financing. The other indicator is, when more people are taking bad loans during the crisis. The Islamic bank constantly doing the distribution of funding. Those effects occurred because in overcoming the risk of bad loans, the Islamic bank undertakes diversification and supervision toward the disbursed financing. With such undertaking will make the Islamic bank become more selective in determining the financing on public. Keywords: Macroeconomics, Economy Crysis, Financial Performance, Financing  

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