Pengaruh Manajemen Risiko dan Financial Technology Terhadap Stabilitas Bank Syariah Dengan Kompetisi Bank Sebagai Variabel Moderasi

Nuzulia Faiqotul Himmah; Ulfi Kartika Oktaviana

doi:10.37479/jeej.v7i2.29633

Pengaruh Manajemen Risiko dan Financial Technology Terhadap Stabilitas Bank Syariah Dengan Kompetisi Bank Sebagai Variabel Moderasi

Nuzulia Faiqotul Himmah, Ulfi Kartika Oktaviana

Abstract

This study aims to analyze the effect of bank competition, risk management, and financial technology on the stability of Islamic banks in Indonesia during the period 2011–2023, by making bank competition a moderating variable. The method used is quantitative through panel data regression analysis on six Islamic banks that meet the research criteria. Data were obtained from the annual report of the Financial Services Authority (OJK) and analyzed using EViews 12. The results of the study indicate that risk management and financial technology have a significant effect on the stability of Islamic banks. Meanwhile, the effect of competition between banks is contextual depending on certain situations. In addition, bank competition has been shown to strengthen the relationship between risk management and financial technology with bank stability. This study concludes that the synergy between competition, risk management, and financial technology plays an important role in maintaining the stability of Islamic banks. These findings contribute to the Islamic banking literature and serve as a reference for regulators and practitioners in improving the performance of the Islamic banking sector in Indonesia.

Keywords

Stabilitas Bank Syariah; Manajemen Risiko; Financial Technology; Kompetisi Bank; Z-Score.

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DOI: https://doi.org/10.37479/jeej.v7i2.29633