Inovasi Perbankan Prudensial: Mengurangi Risiko Kredit pada Bank Wakaf Mikro di Era Digital

Yusuf Yusuf; Fathmah Hanum

doi:10.61650/aops.v2i2.825

Authors

Yusuf Yusuf Universitas Nahdlatul Ulama Pasuruan, Indonesia https://orcid.org/0009-0006-0697-625X
Fathmah Hanum STAI Salahuddin Pasuruan, Indonesia https://orcid.org/0009-0006-5219-3491

DOI:

https://doi.org/10.61650/aops.v2i2.825

Keywords:

Perbankan, Prudensial, Bank, Wakaf, Era Digital

Abstract

Poster adalah metode populer untuk mempresentasikan temuan penelitian secara ringkas dan menarik. Mereka sering digunakan dalam konferensi dan pertemuan. Kami memulai dengan memperkenalkan subjek penelitian kami, yaitu penerapan perbankan prudensial pada Bank Wakaf Mikro digital. Pertanyaan utama yang ingin kami jawab adalah bagaimana penerapan prinsip ini dapat meminimalisir risiko kredit bermasalah dan meningkatkan kesejahteraan masyarakat.

Downloads

Download data is not yet available.

References

Adelopo, I., Vichou, N., & Cheung, K. Y. (2022). Capital, liquidity, and profitability in European banks. Journal of Corporate Accounting and Finance, 33(1), 23–35. https://doi.org/10.1002/jcaf.22522

Alexandre, M., & Lima, G. T. (2020). Combining monetary policy and prudential regulation: an agent-based modeling approach. Journal of Economic Interaction and Coordination, 15(2), 385–411. https://doi.org/10.1007/s11403-017-0209-0

Alhammadi, S., Archer, S., & Asutay, M. (2020). Risk management and corporate governance failures in Islamic banks: a case study. Journal of Islamic Accounting and Business Research, 11(9), 1921–1939. https://doi.org/10.1108/JIABR-03-2020-0064

Azizah, L. F., & Mas’odi, M. (2020). Mengembangkan Kemandirian Dan Motorik Halus Pada Siswa Down Syndrome Di Sekolah Luar Biasa (Slb). Autentik : Jurnal Pengembangan Pendidikan Dasar, 3(1), 50–61. https://doi.org/10.36379/autentik.v3i1.33

Badarau, C., & Lapteacru, I. (2020). Bank risk, competition and bank connectedness with firms: A literature review. Research in International Business and Finance, 51. https://doi.org/10.1016/j.ribaf.2019.03.004

Bejar, P., Ishi, K., Komatsuzaki, T., Shibata, I., Sin, J., & Tambunlertchai, S. (2022). Can Fintech Foster Competition in the Banking System in Latin America and the Caribbean? Latin American Journal of Central Banking, 3(2). https://doi.org/10.1016/j.latcb.2022.100061

Benbouzid, N., Kumar, A., Mallick, S. K., Sousa, R. M., & Stojanovic, A. (2022). Bank credit risk and macro-prudential policies: Role of counter-cyclical capital buffer. Journal of Financial Stability, 63. https://doi.org/10.1016/j.jfs.2022.101084

Bolarinwa, S. T., Olayeni, R. O., & Vo, X. V. (2021). Is there a nonlinear relationship between nonperforming loans and bank profitability? Evidence from dynamic panel threshold. Managerial and Decision Economics, 42(3), 649–661. https://doi.org/10.1002/mde.3262

Braham, R., de Peretti, C., & Belkacem, L. (2020). The role of political patronage in the risk-taking behaviour of banks in the Middle East and North Africa. Research in International Business and Finance, 53. https://doi.org/10.1016/j.ribaf.2020.101184

Chang, Y. L., Tsai, Y. F., Hsu, C. L., Chao, Y. K., Hsu, C. C., & Lin, K. C. (2020). The effectiveness of a nurse-led exercise and health education informatics program on exercise capacity and quality of life among cancer survivors after esophagectomy: A randomized controlled trial. International Journal of Nursing Studies, 101. https://doi.org/10.1016/j.ijnurstu.2019.103418

Chen, G., Jiang, X., & Zhao, X. (2020). Monetary policy, macro-prudential regulation and bank systemic risk-taking. Xitong Gongcheng Lilun Yu Shijian/System Engineering Theory and Practice, 40(6), 1419–1438. https://doi.org/10.12011/1000-6788-2020-0418-20

Dolega, L., Rowe, F., & Branagan, E. (2021). Going digital? The impact of social media marketing on retail website traffic, orders and sales. Journal of Retailing and Consumer Services, 60. https://doi.org/10.1016/j.jretconser.2021.102501

Esposito, L., Mastromatteo, G., & Molocchi, A. (2021). Extending ‘environment-risk weighted assets’: EU taxonomy and banking supervision. Journal of Sustainable Finance and Investment, 11(3), 214–232. https://doi.org/10.1080/20430795.2020.1724863

Farhi, E., & Tirole, J. (2021). Shadow Banking and the Four Pillars of Traditional Financial Intermediation. Review of Economic Studies, 88(6), 2622–2653. https://doi.org/10.1093/restud/rdaa059

Feridun, M., & Güngör, H. (2020). Climate-related prudential risks in the banking sector: A review of the emerging regulatory and supervisory practices. Sustainability (Switzerland), 12(13). https://doi.org/10.3390/su12135325

Franch, F., Nocciola, L., & Żochowski, D. (2021). Cross-border effects of prudential regulation: Evidence from the euro area. Journal of Financial Stability, 53. https://doi.org/10.1016/j.jfs.2020.100820

Gortsos, C. V. (2020). The Response of the European Central Bank to the Current Pandemic Crisis: Monetary Policy and Prudential Banking Supervision Decisions. European Company and Financial Law Review, 17(3–4), 231–256. https://doi.org/10.1515/ecfr-2020-0017

Hamdaoui, M., & Maktouf, S. (2020). Financial reforms and banking system vulnerability: The role of regulatory frameworks. Structural Change and Economic Dynamics, 52, 184–205. https://doi.org/10.1016/j.strueco.2019.10.007

Hardiansyah, F., & Mas’odi, M. (2020). Implementasi Nilai Religius Melalui Budaya Sekolah: Studi Fenomenologi. Autentik : Jurnal Pengembangan Pendidikan Dasar, 4(1), 15–24. https://doi.org/10.36379/autentik.v4i1.49

Hasan, A. R. (2016). Teacher Motivation Perceptions of Indigenous Stakeholders in the Maldives. Open Access Te Herenga Waka-Victoria University of Wellington.

Jallali, S., & Zoghlami, F. (2022). Does risk governance mediate the impact of governance and risk management on banks’ performance? Evidence from a selected sample of Islamic banks. Journal of Financial Regulation and Compliance, 30(4), 439–464. https://doi.org/10.1108/JFRC-04-2021-0037

Karyadi, A. C., & Khasanah, U. (2020). Bakar batu culture as a reflection of pancasila ideology at early childhood education. Utopia y Praxis Latinoamericana, 25(Extra 6), 442–453. https://doi.org/10.5281/zenodo.3987659

Katsiampa, P., McGuinness, P. B., Serbera, J. P., & Zhao, K. (2022). The financial and prudential performance of Chinese banks and Fintech lenders in the era of digitalization. Review of Quantitative Finance and Accounting, 58(4), 1451–1503. https://doi.org/10.1007/s11156-021-01033-9

Liu, C., Fan, Y., Xie, Q., & Wang, C. (2022). Market-based versus bank-based financial structure in China: From the perspective of financial risk. Structural Change and Economic Dynamics, 62, 24–39. https://doi.org/10.1016/j.strueco.2022.03.013

Mansour, R., & El Moussawi, C. (2020). Efficiency, technical progress and productivity of Arab banks: A non-parametric approach. Quarterly Review of Economics and Finance, 75, 191–208. https://doi.org/10.1016/j.qref.2019.02.002

Mas’odi, M. (2014). Koherensi Program Pembentukan Kepribadian dan Kepemimpinan Universitas Muhammadiyah Malang dalam Pengembangan Pendidikan Karakter dan Budaya Bangsa. https://doi.org/10.22219/jkpp.v2i2.1916

Nieves, N. P., Yang, Y., Slumbers, O., Mguni, D. H., Wen, Y., & Wang, J. (2021). Modelling Behavioural Diversity for Learning in Open-Ended Games. Proceedings of Machine Learning Research, 139, 8514–8524.

Nurwidodo, N., Rahardjanto, A., Husamah, H., Mas’odi, M., & Mufrihah, A. (2017). Teacher Resilience in Remote Islands Area: A Case Study in Small Pagerungan Island Sumenep Regency, Indonesia. Journal of Education and Learning (EduLearn), 11(1), 47–56. https://doi.org/10.11591/edulearn.v11i1.4669

Papadamou, S., Sogiakas, D., Sogiakas, V., & Toudas, K. (2021). The prudential role of Basel III liquidity provisions towards financial stability. Journal of Forecasting, 40(7), 1133–1153. https://doi.org/10.1002/for.2766

Popoyan, L., Napoletano, M., & Roventini, A. (2020). Winter is possibly not coming: Mitigating financial instability in an agent-based model with interbank market. Journal of Economic Dynamics and Control, 117. https://doi.org/10.1016/j.jedc.2020.103937

Pyka, I., & Nocoń, A. (2021). Banks’ capital requirements in terms of implementation of the concept of sustainable finance. Sustainability (Switzerland), 13(6). https://doi.org/10.3390/su13063499

Ratminingsih, N. M., Budasi, I. G., & Kurnia, W. D. A. (2020). Local culture-based storybook and its effect on reading competence. International Journal of Instruction, 13(2), 253 – 268. https://doi.org/10.29333/iji.2020.13218a

Schwartz, H. M. (2020). Covering the private parts: the (re-)nationalisation of housing finance. West European Politics, 43(2), 485–508. https://doi.org/10.1080/01402382.2019.1582254

Sobarsyah, M., Soedarmono, W., Yudhi, W. S. A., Trinugroho, I., Warokka, A., & Pramono, S. E. (2020). Loan growth, capitalization, and credit risk in Islamic banking. International Economics, 163, 155–162. https://doi.org/10.1016/j.inteco.2020.02.001

Soumaré, I., Tchakoute Tchuigoua, H., & Hessou, H. T. S. (2020). Are microfinance institutions resilient to economic slowdown? Evidence from their capital ratio adjustment over the business cycle. Economic Modelling, 92, 1–22. https://doi.org/10.1016/j.econmod.2020.07.006

Stewart, J., O’Halloran, C., Barton, J. R., Singleton, S. J., Harrigan, P., & Spencer, J. (2000). Clarifying the concepts of confidence and competence to produce appropriate self-evaluation measurement scales. Medical Education, 34(11), 903–909. https://doi.org/10.1046/j.1365-2923.2000.00728.x

Wang, L., Li, S., Wang, J., & Meng, Y. (2020). Real estate bubbles in a bank-real estate loan network model integrating economic cycle and macro-prudential stress testing. Physica A: Statistical Mechanics and Its Applications, 542. https://doi.org/10.1016/j.physa.2019.122576

Wang, Z., Crook, J., & Andreeva, G. (2020). Reducing estimation risk using a Bayesian posterior distribution approach: Application to stress testing mortgage loan default. European Journal of Operational Research, 287(2), 725–738. https://doi.org/10.1016/j.ejor.2020.04.020

Wilmarth, A. E. (2020). Taming the megabanks: Why we need a new glass-steagall act. Taming the Megabanks: Why We Need a New Glass-Steagall Act, 1–592. https://doi.org/10.1093/oso/9780190260705.001.0001

Xing, X., Wang, M., Wang, Y., & Stanley, H. E. (2020). Credit creation under multiple banking regulations: The impact of balance sheet diversity on money supply. Economic Modelling, 91, 720–735. https://doi.org/10.1016/j.econmod.2019.09.030

Xiong, W., Li, B., Wang, Y., & Stanley, H. E. (2020). The versatility of money multiplier under Basel III regulations. Finance Research Letters, 32. https://doi.org/10.1016/j.frl.2019.04.024