PENGARUH STRUKTUR MODAL, PROFITABILITAS DAN KUALITAS ASET TERHADAP STABILITAS KEUANGAN PERBANKAN SYARIAH DI ASIA TENGGARA

Yunita, Sari (2026) PENGARUH STRUKTUR MODAL, PROFITABILITAS DAN KUALITAS ASET TERHADAP STABILITAS KEUANGAN PERBANKAN SYARIAH DI ASIA TENGGARA. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Periode 2021–2024 ditandai oleh berbagai tekanan ekonomi global akibat pandemi Covid-19, perlambatan perdagangan, inflasi, dan ketidakpastian ekonomi yang berdampak pada stabilitas sektor perbankan, termasuk perbankan syariah di Asia Tenggara. Meskipun industri perbankan syariah menunjukkan pertumbuhan aset dan ketahanan yang relatif baik dibandingkan perbankan konvensional, bank syariah tetap menghadapi tantangan dalam menjaga stabilitas keuangan akibat tekanan terhadap struktur permodalan, profitabilitas, dan kualitas aset. Stabilitas keuangan menjadi aspek penting karena mencerminkan kemampuan bank dalam menjalankan fungsi intermediasi serta mempertahankan keberlangsungan operasional di tengah risiko ekonomi. Penelitian ini menggunakan metode kuantitatif dengan pendekatan literature review. Sampel yang digunakan adalah 8 perbankan syariah yang berada di Kawasan Asia Tenggara yang diambil menggunakan teknik purposive sampling. Dalam kasus ini teknik dokumentasi digunakan untuk pengambilan data yang berasal dari laporan keuangan setiap perbankan mulai tahun 2021-2024. Tujuan penelitian ini adalah untuk mengetahui pengaruh struktur modal, profitabilitas dan kualitas aset terhadap stabilitas keuangan. Hasil penelitian ini menunjukkan secara parsial struktur modal berpengaruh negatif tidak signifikan, profitabilitas berpengaruh positif tidak signifikan dan kualitas asset berpengaruh positif signifikan terhadap stabilitas keuangan. Sedangkan secara serentak struktur modal, profitabilitas dan kualitas aset tidak berpengaruh signifikan terhadap stabilitas keuangan perbankan syariah di Asia Tenggara. Kata Kunci: Struktur Modal, Profitabilitas dan Kualitas Aset, Stabilitas Keuangan. ABSTRACT The 2021–2024 period was marked by various global economic pressures due to the Covid-19 pandemic, slowing trade, inflation, and economic uncertainty that affected the stability of the banking sector, including Islamic banking in Southeast Asia. Although the Islamic banking industry showed relatively good asset growth and resilience compared to conventional banking, Islamic banks still faced challenges in maintaining financial stability due to pressures on capital structure, profitability, and asset quality. Financial stability became an important aspect because it reflects a banks ability to carry out intermediation functions and maintain operational continuity amid economic risks. This study employs a quantitative method with a literature review approach. The sample consists of eight Islamic banks in the Southeast Asian region, selected using a purposive sampling technique. In this study, documentation techniques were used for data collection, with data obtained from the financial statements of each bank from 2021 to 2024. The purpose of this research is to determine the effect of capital structure, profitability, and asset quality on financial stability. The results of this study indicate that, partially, capital structure has a negative and insignificant effect, profitability has a positive but insignificant effect, and asset quality has a positive and significant effect on financial stability. Simultaneously, capital structure, profitability, and asset quality have a positive and significant effect on the financial stability of Islamic banking in Southeast Asia. Keywords: Capital Structure, Profitability, Asset Quality, Financial Stability

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