@article{MAKHILLIBM2016101326444,
    title = {The Determinant of Indonesia’s Islamic Rural Banking Risk Taking},
    journal = {International Business Management},
    volume = {10},
    number = {13},
    pages = {2541-2546},
    year = {2016},
    issn = {1993-5250},
    doi = {ibm.2016.2541.2546},
    url = {https://makhillpublications.co/view-article.php?issn=1993-5250&doi=ibm.2016.2541.2546},
    author = {Anggraeni},
    keywords = {Risk taking,IRB,Arimax,Bi-Rate,behaviour},
    abstract = {Despite as the fastest growing financial institution in Indonesia, Islamic banking is still at infancy stage and the infrastructure to support them is relative left behind. This study focus on Islamic Rural Banking (IRB). IRB is a specific financial institution mainly operating in the rural or suburb area and 100% of its revenue comes from financing activities. It means credit risk taking is a key for its survival. We apply ARIMAX model to investigate the determinant of risk taking. The results indicate that risk taking are determined positively by NPF, BI-Rate and negatively by ROA. Leverage, Asset Management, CAR. For Arima, AR (1) and MA (1) are both significant. The future of Islamic rural banks will depend to a large extent on how well they manage its risk taking behaviour.}
    }