The effect of External and Internal Factors on Financing Deposit to Ratio in Islamic Banks

Authors

  • Arnuf Deni Department of Economics Development, Ahmad Dahlan University, Indonesia
  • Deni Riyadi Department of Economics Development, Ahmad Dahlan University, Indonesia
  • Praditya Dwiyanto Department of Economics Development, Ahmad Dahlan University, Indonesia
  • Nurul Azizah Az-Zakiyyah Department of Economics Development, Ahmad Dahlan University, Indonesia

Abstract

The main activity of Islamic banks is to channel funds in the form of loans or financing from public funds they have collected. The provision of financing from Islamic banking to the public can be measured by the financing-to-deposit ratio (FDR). A high FDR can be concluded that the bank's ability is excellent, meaning it can fully manage its function as an intermediary. However, challenges in lending through measurement can be influenced by internal and external factors. This study aims to analyze internal factors such as NPF and ROA and external factors such as inflation and economic growth using the proxy of IPI. The study uses time-series data and the OLS method. The results showed that internal and external factors affect FDR in Islamic banking. The study's implication is the need for price stability, high economic growth, and efficient management of NPF and assets.

References

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Published

2024-12-19

How to Cite

Arnuf Deni, Deni Riyadi, Praditya Dwiyanto, & Nurul Azizah Az-Zakiyyah. (2024). The effect of External and Internal Factors on Financing Deposit to Ratio in Islamic Banks. Proceedings of Femfest International Conference on Economics, Management, and Business, 2(2), 117–125. Retrieved from https://ejournal.unida.gontor.ac.id/index.php/FICCOMSS/article/view/13404

Issue

Vol. 2 No. 2 (2024): Special Issue, The Proceeding of International Conference on Islamic Human Resources Management

Section

Articles