Financial geography assessment model dalam mengukur risiko pembiayaan bank syariah di masa pandemi COVID 19

Khasanah, Umrotul and Wicaksono, Ahmad Tibrizi Soni ORCID: https://orcid.org/0000-0001-8643-1351 (2022) Financial geography assessment model dalam mengukur risiko pembiayaan bank syariah di masa pandemi COVID 19. Research Report. UIN Maulana Malik Ibrahim Malang, Malang. (Unpublished)

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Abstract

This study aimed to measure Non-Performing Financing (NPF) factors through Gross Regional Domestic Product (GRDP), unemployment rate, office network, consumptive financing, and COVID-19 cases. Cross-section data in 34 Indonesian provinces were analyzed using Geographically Weighted Regression (GWR) through global regression confirmation. The results showed differences between the GWR and global regression. All exogenous variables have spatial variability to endogenous variables. This resulted in variations in local models influencing NPF, including in DKI Jakarta, West Java, Central Java, DI Yogyakarta, East Java, Bali, and West Nusa Tenggara Provinces. Additionally, this study has implications for bankers in mitigating credit risk by maintaining the adequacy ratio of funds and tightening the verification of prospective debtors. Bankers should also restructure financing, monitor portfolio performance, and build digital infrastructure in each regional office by considering the dynamics in the provinces.

Item Type:	Research (Research Report)
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150202 Financial Econometrics 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150203 Financial Institutions (incl. Banking) 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150205 Investment and Risk Management 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150299 Banking, Finance and Investment not elsewhere classified
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Ahmad Tibrizi Soni Wicaksono
Date Deposited:	25 May 2023 09:42

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