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Global financial market becomes fragile and unstable today after big financial crisis (subprime mortgage) hited almost country around the world. Recently, solvability ratio or credit risk becomes focus study again by economic expertise to prevent repreated crisis. The purpose of this paper is to investigate Islamic credit resistant of Islamic banks during global financial crisis in Indonesia. The results of this study show that the amount of Islamic financing and GDP 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 economic systems can reduce the effect of global financial crisis significantly to domestic society.

Keywords: NPL, NPF, banking stability

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