Purpose ― This study aims to assess the home financing credit risk performed by Islamic banks in Indonesia.Methods ― A panel dynamic analysis is adopted to measure the bad loan performance before and during the Covid-19 pandemic. The observation period started from January 2016 to September 2020 with 1,881 observation periods of monthly panel data from the province level.Findings ― The study finds a difference in bad loan performance before and during the Covid-19 pandemic. Before this pandemic, inflation has a positive and significant influence on non-performing financing in real estate, rental business, and company service. However, during the Covid-19 pandemic, a substantial and positive effect of inflation is found on the bad loan for personal flat and apartment ownership. On the other hand, a significant and negative impact of inflation is found on the bad home loan for personal business shop ownership.Implication ― This analysis could trigger the government to provide financial assistance for those affected by the Covid-19 crisis. In addition to that, an Islamic bank is also expected to give financing allowances for them by providing an option of debt restructuration and rescheduling.Originality ― This paper analyses the Islamic bank’s credit risk performance for home financing before and during the Covid-19 pandemic. This issue has not been presented in the literature to the best of our knowledge.

中文翻译：

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伊斯兰银行家庭融资的信用风险表现：Covid-19 大流行之前和期间

目的——本研究旨在评估印度尼西亚伊斯兰银行的家庭融资信用风险。方法——采用面板动态分析来衡量 Covid-19 大流行之前和期间的不良贷款表现。观察期从 2016 年 1 月到 2020 年 9 月开始，有 1,881 个省级每月面板数据的观察期。结果 ― 该研究发现在 Covid-19 大流行之前和期间的不良贷款表现存在差异。在此次大流行之前，通货膨胀对房地产、租赁业务和公司服务的不良融资产生了积极而显着的影响。然而，在 Covid-19 大流行期间，通货膨胀对个人公寓和公寓所有权的不良贷款产生了重大而积极的影响。另一方面，通货膨胀对个人商业商店所有权的不良房屋贷款产生了重大而负面的影响。含义——这一分析可能会促使政府为受 Covid-19 危机影响的人提供财政援助。除此之外，伊斯兰银行还有望通过提供债务重组和重新安排的选项为他们提供融资津贴。原创性——本文分析了伊斯兰银行在 Covid-19 大流行之前和期间的家庭融资信用风险表现。据我们所知，该问题尚未在文献中提出。一家伊斯兰银行还有望通过提供债务重组和重新安排的选项为他们提供融资津贴。原创性——本文分析了伊斯兰银行在 Covid-19 大流行之前和期间的家庭融资信用风险表现。据我们所知，该问题尚未在文献中提出。一家伊斯兰银行还有望通过提供债务重组和重新安排的选项为他们提供融资津贴。原创性——本文分析了伊斯兰银行在 Covid-19 大流行之前和期间的家庭融资信用风险表现。据我们所知，该问题尚未在文献中提出。