Pengaruh Inflasi, Suku Bunga dan Kualitas Manajemen Terhadap Stabilitas Bank di NegaraNegara Islam (Survei pada negara-negara OIC (Organization Of Islamic Cooperation) Tahun 2019-2024

MIKA, ANANTA PRATIWI (2026) Pengaruh Inflasi, Suku Bunga dan Kualitas Manajemen Terhadap Stabilitas Bank di NegaraNegara Islam (Survei pada negara-negara OIC (Organization Of Islamic Cooperation) Tahun 2019-2024. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Penelitian ini menganalisis pengaruh inflasi, suku bunga, dan kualitas manajemen terhadap stabilitas bank syariah di negara-negara anggota Organization of Islamic Cooperation (OIC) periode 2019– 2024. Stabilitas bank syariah menjadi isu strategis dalam menjaga ketahanan sistem keuangan Islam, khususnya di tengah dinamika ekonomi global pasca-pandemi COVID-19, lonjakan inflasi, serta pengetatan kebijakan moneter di berbagai negara. Perbedaan kondisi makroekonomi dan tata kelola antar negara OIC juga menimbulkan variasi tingkat stabilitas perbankan yang menarik untuk dikaji secara empiris lintas negara. Penelitian ini bertujuan untuk menguji pengaruh inflasi, suku bunga, dan kualitas manajemen terhadap stabilitas bank syariah serta menganalisis perbedaan stabilitas antar negara anggota OIC. Penelitian menggunakan pendekatan kuantitatif dengan metode data panel yang menggabungkan dimensi cross section dan time series. Data sekunder diperoleh dari laporan keuangan bank, World Bank, dan IMF. Analisis dilakukan menggunakan regresi data panel untuk menguji pengaruh parsial dan simultan, serta uji ANOVA untuk menguji perbedaan rata-rata stabilitas antar negara. Stabilitas bank diproksikan menggunakan Z-Score sebagai indikator risiko kebangkrutan. Hasil penelitian menunjukkan bahwa secara parsial inflasi berpengaruh positif namun tidak signifikan terhadap stabilitas bank syariah. Suku bunga berpengaruh negatif signifikan terhadap stabilitas bank, sedangkan kualitas manajemen berpengaruh signifikan terhadap stabilitas bank. Secara simultan, ketiga variabel tidak berpengaruh signifikan terhadap stabilitas bank. Selain itu, terdapat perbedaan signifikan tingkat stabilitas bank antar negara anggota OIC. Penelitian ini memberikan kontribusi empiris terhadap pengembangan literatur ekonomi dan perbankan syariah lintas negara serta menjadi referensi bagi regulator dan manajemen bank dalam merumuskan kebijakan stabilisasi yang adaptif terhadap dinamika makroekonomi global. ABSTRACT This study analyzes the influence of inflation, interest rates, and management quality on the stability of Islamic banks in member countries of the Organization of Islamic Cooperation (OIC) for the 2019–2024 period. Islamic bank stability is a strategic issue in maintaining the resilience of the Islamic financial system, particularly amidst the global economic dynamics following the COVID-19 pandemic, surging inflation, and tightening of monetary policy in various countries. Differences in macroeconomic conditions and governance among OIC countries also create variations in the level of banking stability, which are interesting to study empirically across countries. This study aims to examine the influence of inflation, interest rates, and management quality on Islamic bank stability and analyze differences in stability among OIC member countries. The study uses a quantitative approach using a panel data method that combines cross-sectional and time series dimensions. Secondary data were obtained from financial reports of banks, the World Bank, and the IMF. The analysis was conducted using panel data regression to test partial and simultaneous effects, and ANOVA to examine differences in average stability across countries. Bank stability is proxied using the Z-Score as an indicator of bankruptcy risk. The results of the study indicate that inflation partially has a positive but insignificant effect on Islamic bank stability. Interest rates have a significant negative effect on bank stability, while management quality has a significant effect on bank stability. Simultaneously, all three variables do not significantly affect bank stability. Furthermore, there are significant differences in the level of bank stability across OIC member countries. This research provides an empirical contribution to the development of cross-border Islamic economics and banking literature and serves as a reference for bank regulators and management in formulating stabilization policies that adapt to global macroeconomic dynamics.

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