Sharia rural banks in East Java: how its hazard rate? (the analysis using multiple period logit)

Oktaviana, Ulfi Kartika and Miranti, Titis ORCID: (2022) Sharia rural banks in East Java: how its hazard rate? (the analysis using multiple period logit). Al-Tijary Jurnal Ekonomi dan Bisnis Islam, 7 (02). pp. 129-141. ISSN P-ISSN: 2460-9404; E-ISSN: 2460-9412

11712.pdf - Published Version

Download (392kB) | Preview


This study aimed to determine the susceptibility opportunities of each BPRS. The second objective is to find out the financial ratios that cause it. The financial sustainability measure is a measuring tool to calculate the chance of survival. Financial sustainability approximates the value of Financial Self-Sufficiency (FSS). The population used is BPRS in East Java. The analysis technique used survival analysis and multiple period logit models. The study results show that only 8 BPRS have a chance to sustain more than 30%. Research variables that invariably affect the sustainability of BPRS include NPF, ROA, Bank Size, PM, FR, GLP, WoR, and LDR. Financial sustainability is an excellent Early Warning System to determine financial institutions' financial health, so this research is a good contribution to them.

Item Type: Journal Article
Keywords: financial sustainability; financial self-sufficiency; hazard rate
Subjects: 14 ECONOMICS > 1402 Applied Economics > 140207 Financial Economics
14 ECONOMICS > 1402 Applied Economics > 140208 Health Economics
Divisions: Faculty of Economics > Department of Islamic Banking
Depositing User: Ulfi Kartika Oktaviana
Date Deposited: 24 Oct 2022 10:17


Downloads per month over past year

Origin of downloads

Actions (login required)

View Item View Item