STABILITAS BANK SYARIAH DI ASIA: RISIKO PERMODALAN, RISIKO PEMBIAYAAN, LIKUIDITAS, INFLASI, DAN NILAI TUKAR

Abstract

This study aims to analyze the influence of capital risk, financing risk, liquidity, inflation, and exchange rate risk on the stability of Islamic banks in Asia. This research is motivated by the persistent inconsistency of previous research results regarding the determinants of Islamic banking stability, both from the perspective of internal factors and macroeconomic factors. The research method uses a quantitative approach with an explanatory design, analyzed using panel data regression with the help of EViews 12 software. The results show that capital risk (CAR), financing risk (NPF), liquidity (FDR), and exchange rate significantly influence the stability of Islamic banks in Asia, while inflation does not significantly influence Islamic banks in Asia. Simultaneously, all independent variables significantly influence the stability of Islamic banks in Asia. These findings indicate that internal bank factors play a dominant role in maintaining the stability of Islamic banks in Asia. This study contributes to strengthening the literature on Islamic bank stability by integrating internal risk factors and macroeconomic variables in a cross-country model, and provides practical implications for Islamic bank regulators and management in strengthening the resilience of the Islamic financial system in a sustainable manner.