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The influence of Natural Certainty Contract (NCC) and Natural Uncertainty Contract (NUC) financings on the financial sustainability of Islamic commercial banks in Indonesia

Fitriawati, Deva Ayu and Oktaviana, Ulfi Kartika ORCID: https://orcid.org/0000-0002-5222-4423 (2024) The influence of Natural Certainty Contract (NCC) and Natural Uncertainty Contract (NUC) financings on the financial sustainability of Islamic commercial banks in Indonesia. Journal of Islamic Economics Lariba, 10 (1). pp. 101-116. ISSN 2477-4839

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Full text available at: https://doi.org/10.20885/jielariba.vol10.iss1.art6

Abstract

Introduction
Research on Islamic banking in Indonesia has extensively addressed its
performance and stability. However, studies on stability from the perspective
of Natural Certainty Contract and Natural Uncertainty Contract financing have
been relatively scarce.
Objectives
This study measures how profitability mediates the impact of Natural Certainty
Contract (NCC) financing and Natural Uncertainty Contract (NUC) financing
on financial sustainability.
Method
The research utilizes secondary data obtained from quarterly reports for the
periods I-IV of 2018-2022 on the official website of Sharia commercial banks.
All Sharia commercial banks in Indonesia listed in the OJK for the period 2018-
2022 constitute the population for this study, while the sample consists of
Sharia commercial banks in Indonesia that meet the criteria. The sampling
method employed is purposive sampling, resulting in eight Sharia commercial
banks in Indonesia as the sample based on predetermined criteria.
Results
The findings of this study indicate that NCC financing negatively influences
profitability, NUC financing has no impact on profitability, NCC financing
positively influences financial sustainability, NUC financing negatively
influences financial sustainability, profitability (ROA) positively influences
financial sustainability, NCC financing indirectly negatively affects financial
sustainability through profitability, and NUC financing indirectly has no impact
on financial sustainability through profitabilit

Item Type: Journal Article
Keywords: financial sustainability, financing, Islamic commercial bank, Natural Certainty Contract, Natural Uncertainty Contract
Subjects: 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150201 Finance
Divisions: Faculty of Economics > Department of Islamic Banking
Depositing User: Ulfi Kartika Oktaviana
Date Deposited: 28 Nov 2024 14:50

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