KETAHANAN KREDIT PERBANKAN SYARIAH TERHADAP KRISIS KEUANGAN GLOBAL

Abstract

Global financial market becomes fragile and unstable today after big financial crisis (subprimemortgage) hited almost country around the world. Recently, solvability ratio or credit riskbecomes focus study again by economic expertise to prevent repreated crisis. The purpose ofthis paper is to investigate Islamic credit resistant of Islamic banks during global financialcrisis in Indonesia. The results of this study show that the amount of Islamic financing andGDP were significantly determined by non-performing financing (NPF). In the other side,conventional banks were influenced positively by inflation rate and Loan to Deposit Ratio(LDR). These findings show the empirical evidence how Islamic banking and economicsystems can reduce the effect of global financial crisis significantly to domestic society.Keywords: NPL, NPF, banking stability