The Islamic Banking, Asset Quality: “Does Financing Segmentation Matters” (Indonesia Evidence)

Lucky Christ Nugroho · Nurul Hidayah · Ahmad Badawi

42 citations0/0 files storedMediterranean Journal of Social Sciences

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Islamic Finance and Banking Studies Banking stability, regulation, efficiency Banking Sector Performance and Management

Abstract

Abstract Bank stability becomes one of the crucial pillars in maintaining economic growth. Therefore, the segmentation strategy is needed because it aims to improve the financial stability of the bank (decrease Non-Performing Loan-NPL / Non-Performing Financing-NPF). This study aims to determine the effect of segmentation on the quality of Islamic banks proxied with NPF. The method used is a quantitative method with multiple regression test and statistical tool Stata version 13. From the results of statistical data, it is known that the retail segment has a more significant influence than the wholesale segment, which is 92.61% and 56.05%. Therefore, sharia banks should have their business priorities in the retail segment, especially business in the microfinance segment by maintaining the quality of financing through selective financing channeling.

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References

1985A Conceptual Model of Service Quality and Its Implications for Future Research 2000Marketing management: analysis. planning. implementation and control 1997Market Segmentation: Conceptual and Methodological Foundations 2000THE MICROFINANCE SCHISM 1978Issues and Advances in Segmentation Research 2015CORPORATE GOVERNANCE OF BANKS: A SURVEY 2002Multinationality, product diversification, and profitability of emerging US small- and medium-sized enterprises 1976Bank Selection Decisions and Market Segmentation

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