Faktor Yang Mempengaruhi Profitabilitas Perbankan Syariah Di Indonesia

Tamimah, Tamimah

doi:10.30997/jsei.v6i1.2175

Cited by 3 publications

(2 citation statements)

References 6 publications

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“…The efficiency of banking asset management determines the level of profitability of an entity. Several studies have shown that during the COVID-19 pandemic, Islamic banking experienced a better profitability level compared to conventional (Fatmawati & Hakim, 2020;Tamimah, 2020;Wahyudi, 2020;Yanti & Maemunah, 2020). Also, the development of Islamic banking indicates that the preferences of the Indonesian people are increasingly leading towards sharia transactions.…”

Section: Islamic and Conventional Bankingmentioning

confidence: 99%

A Comparative Study on Financial Performance between Islamic and Conventional Banking in Indonesia During the COVID-19 Pandemic

et al. 2022

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The COVID-19 pandemic has had an impact on all aspects of life, including Indonesian banking. Furthermore, there has been a rapid growth of both Islamic and conventional banking industries. Therefore, this study aims to analyze the diﬀerences in the ﬁnancial ratios of capital adequacy ratio, non-performing loans/non-performing ﬁnancing, return on asset, return on equity, operating expense to operating income, as well as loan to deposit ratio/ﬁnancing todeposit ratio of Islamic and conventional banking during the COVID-19 pandemic. Acomparative analysis method was used with a quantitative approach, and data analysis was carried out using the independent sample t-test and the Mann-Whitney rank test. The results showed that during the COVID-19 pandemic, there were signiﬁcant diﬀerences in the ﬁnancial performance ratios of capital adequacy ratio, non-performing loans/non-performing ﬁnancing, return on asset, return on equity, operating expense to operating income, and loan to deposit ratio/ﬁnancing to deposit ratio for both Islamic and conventional banking. Moreover, conventional banking tends to have better ﬁnancial performance compared to Islamic bankingduring the COVID-19 pandemic. The implication of this study is that the public can ﬁnd out the ﬁnancial position of both Islamic and conventional banks and make comparisons to ascertain which one has a better ﬁnancial position in times of crisis.

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Section: Islamic and Conventional Bankingmentioning

confidence: 99%

A Comparative Study on Financial Performance between Islamic and Conventional Banking in Indonesia During the COVID-19 Pandemic

et al. 2022

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“…This is contrary to the previous hypothesis, which states that FASBIS has a negative effect on inflation. This situation occurs because FASBIS has a relatively short time period, namely 1-14 days (Citra & Suman, 2022). Therefore, the impact of FASBIS as a liquidity-absorbing instrument was only visible at the beginning of this period.…”

Section: Figure 3 Irf Resultsmentioning

confidence: 99%

The effect of Sharia monetary policy instruments and Islamic bank financing on economic growth and inflation

Winarto,

Beik

2024

J. Eko. Keu. Isl.

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Purpose – This study aims to determine the influence of Open Market Operations (Sertifikat Bank Indonesia Syariah, SBIS), Sukuk of Bank Indonesia (Sukuk Bank Indonesia, SukBI), Bank Indonesia Sharia Deposit Facility (Fasilitas Simpanan Bank Indonesia, FASBIS), Islamic Interbank Money Market (IIMM/Pasar Uang Antar Bank Syariah, PUAS), and Islamic Bank Financing on economic growth and inflation in Indonesia. Methodology – This study uses the Vector Error Correction Model (VECM), which uses monthly data from January 2017 to December 2022.Findings – The results of the VECM analysis show that, in the short and long term, the FASBIS and PUAS variables significantly affect economic growth. The Covid-19 pandemic has a significant effect in the short term, whereas Islamic Bank Financing has a significant effect in the long term. In the Inflation model, only FASBIS has a significant short-term effect. In the long-term, FASBIS, PUAS, and Islamic Bank Financing significantly affect inflation. Implications – The results of this research suggest that the Government and Bank Indonesia will need to re-evaluate Sharia Open Market Operations, especially SBIS and SukBI instruments. This is the impact of the estimation results on the Open Market Operation variable, which are not significant, and the IRF results, which are negative in the Economic Growth Model and positive in the Inflation Model, indicating that the Open Market Operation variable actually inhibits economic growth and triggers inflation. Originality – This study discusses the influence of Sharia monetary instruments before and after the Covid-19 pandemic and adds the SukBI instrument as a Sharia monetary instrument.

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The Effect of Wadiah Savings and Problem Financing (NPF) in the 'Precise Sharia Financing' Product on the Profitability Level of PT. Bank BTPN Syariah Tbk for the Period 2015 - 2023

Dewi,

Moch Khoirul Anwar,

Maryam Bte Badrul Munir

2024

perisai

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This study aims to empirically examine the effect of wadi'ah savings and non-performing financing (NPF) on profitability (ROA) in the Precise Syariah Financing product at PT Bank BTPN Syariah during the period 2015 - 2023. Using an associative quantitative approach. The study conducted by researchers using secondary data derived from BTPN Syariah quarterly financial statements for the period 2015 - 2023. The data analysis technique used multiple linear regression analysis through Eviews 12 as a data processing tool. The study results showed that an increase in wadi'ah savings significantly positively contributed to an increase in ROA, while an increase in NPF had a significant negative effect. The regression model developed was able to explain 71.15% of ROA variability. This finding explains that an increase in wadi'ah savings tends to increase profitability, while an increase in NPF tends to decrease the level of profitability of BTPN Syariah. The implication is that banking management needs to focus on managing the increase in wadi'ah savings and improving the quality of financing to increase profitability. This study provides important insights for Islamic banking management in optimizing financial performance, especially in the context of the Tepat Pembiayaan Syariah product and contributes to the literature on factors affecting the profitability of Islamic banks in Indonesia. This study contributes to the Islamic banking literature, but has limitations in terms of the research period and variables used. Future research is expected to expand the scope of variables and periods in the study to obtain generalized results.

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Faktor Yang Mempengaruhi Profitabilitas Perbankan Syariah Di Indonesia

Cited by 3 publications

References 6 publications

A Comparative Study on Financial Performance between Islamic and Conventional Banking in Indonesia During the COVID-19 Pandemic

A Comparative Study on Financial Performance between Islamic and Conventional Banking in Indonesia During the COVID-19 Pandemic

The effect of Sharia monetary policy instruments and Islamic bank financing on economic growth and inflation

The Effect of Wadiah Savings and Problem Financing (NPF) in the 'Precise Sharia Financing' Product on the Profitability Level of PT. Bank BTPN Syariah Tbk for the Period 2015 - 2023

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