10 research outputs found
Pengaruh NPL dan Inflasi terhadap ROA Pada Bank BUMN Yang Terdaftar Di BEI Periode 2013 - 2023
No full textReturn On Asset (ROA) is the bank's capabillity to obtain profits from the sale or use of its assets, but the ROA metric can be affected by numerous variables, specifically, aspect originating from within and outside. One of the internal aspect that can alter ROA is credit, in credit distribution there are often non-performing loans that can affect bank revenue. Another external factor is inflation which will result in bank’s profitability value to growth or decrease. Therefore, This research aims to examine how non-performing loans and inflation impact ROA. The study focuses on state-owned banks listed on the IDX over a ten-year periode from 2013 – 2023. The study employs multiple linear reggresion as the primary method for data analysis. The findings of this investigation are derived from application of this stactical technique, the result reveal that NPL partially affected ROA and Inflation partially affected ROA. Likewise, NPL and Inflation simultaneously affect ROA
Karakteristik komite audit dan kinerja bank: Komparasi syariah dan konvensional
No full textThis study intends to analyze the effect of the characteristics of the Audit Committee on the performance of Islamic and conventional comparative banks in Indonesia. This study uses a quantitative approach with comparative methods and Partial analysis of Least Square-Structural Equation Model. The independent variables used include size, women\u27s involvement, financial expertise, independence and number of meetings, while the dependent variable uses return on assets as a projection of bank performance. Data for all variables are obtained from annual reports that have been published on the official website of each bank. The results of the study found that the involvement of women and financial expertise had an effect on the performance of Islamic banks and independence and the number of meetings had an effect on the performance of conventional banks
Resilience of Islamic Banking in Indonesia: A VECM Analysis of Macroeconomic Shocks and Medium-Term Recovery Dynamics
No full textThe failure of conventional economics during the 2007/2008 crisis spurred the emergence of Islamic economic alternatives this day. Comparative studies have assessed its resilience. This research comprehensively examines Islamic banking's resilience to economic crises, addressing gaps in previous studies that focused only on specific crisis periods. Monthly data from 2015-2023 from SPS- OJK, BPS, and Monetary Statistics-BI were analyzed using VECM methods. Real GDP was found to have the most significant negative impact on various Indonesian Islamic banking performance variables. Islamic banks can, therefore, utilize an Early Warning System for real GDP. The variables affected by macroeconomic shocks show short- to medium-term dynamics, recovering from periods 3-5, and stabilizing performance. This study fills previous research gaps that indicated instability in Islamic banking by considering only short post-crisis periods. In the medium term, Islamic banking in Indonesia has proven effective in recovering from crises, as shown by the analysis of recurring economic crises.
© 2025 The Author(s). Licensed under CC BY-NC 4.0
PERAN PERBANKAN SYARIAH DALAM PENYERAPAN TENAGA KERJA PADA SEKTOR RIIL
No full textThis paper aims to examine the labor absorption in the real sector, including three essential determinants, namely Non-Performing Financing, Third Party Funds, and Profit-Sharing Financing. The object of this research is the Islamic Commercial Bank in Indonesia. Data analysis techniques in this study use path analysis. The results showed that (i) Profit Sharing Financing and Non-Performing Financing directly had a positive and significant effect on the Real Sector Labor Absorption variable; (ii) Third Party Funds are insignificant to the variable Real Sector Labor Absorption; (iv) Third Party Funds have a positive and significant effect on the variable Real Sector Labor Absorption through Profit-Sharing Financing; and (v) Non-Performing Financing is not significant to the Real Sector Labor Absorption variable through Profit-Sharing Financing
Loyalty formation and its impact on financial performance of Islamic banks – evidence from Indonesia
No full textPurpose – This paper aims to examine loyalty formation, including service quality, perceived value, image and satisfaction as determinants, and their effect on the financial performance of Islamic banks.
Design/methodology/approach – Data were collected from 280 Islamic bank clients in Indonesia and bank financial performance data from bank financial reports. Variance-based partial least square modelling was used to assess the relationships between loyalty, its determinants and their influence on bank financial performance.
Findings – This study finds that client loyalty towards Islamic banks is most influenced by perceived service quality and perceived value. Further, this study documents the importance of client loyalty in influencing bank financial performance and indirect effect of clients’ satisfaction on financial performance through the strengthening of client loyalty.
Practical implications – This study offers a path for the managers of Islamic banks to enhance financial performance by enhancing client loyalty. To develop client loyalty, this study suggests that Islamic banks should offer economical and service-derived benefits that are superior to those other banks offer. Further, Islamic banks need to ensure that their business operations are compatible with Islamic values.
Originality/value – This is an early empirical study attempting to examine the link between customer loyalty and its impact on Islamic bank financial performance
The Use of Contemporary Mobile Banking Service in Islamic Banks: Perspective of Young Customers
No full textThis study examines the factors that influence the attitudes and perceptions of the young customers towards the use of mobile banking services and AI-enabled mobile banking services. The research questionnaire was distributed using Google Form to customers using Islamic banking mobile banking services in Indonesia with a total sample of 204 young Muslim customers. Partial least square was used to test technology-based differential effects (attitudes towards AI, relative advantage, trust, and security of mobile banking) and non-technology based (need for service, quality of service) as well as factors of religiosity on the use of mobile banking services and AI-enabled mobile banking service. This study results in the findings that the construct of trust, attitudes towards AI, religiosity, and relative advantage are the main determinants of mobile banking adoption intentions. It also shows the gap between young customers in trust levels, attitudes towards AI, religiosity, and perceived relative advantage between the two dependent variables. Finally, the trust construct has the greatest impact on the use of mobile banking and AI-enabled mobile banking services
Millennial loyalty towards artificial intelligence-enabled mobile banking. Evidence from Indonesian Islamic banks
No full textPurpose – This study aims to examine factors driving millennial loyalty towards artificial intelligence (AI)- enabled mobile banking services in Islamic banks. Design/methodology/approach – This research collected the data from 204 millennial customers of Islamic banks in Aceh, Indonesia. Partial least square (PLS) was used to evaluate the effect of service factors (the need for service and service quality), technology-based factors (attitudes towards AI, relative advantage, security and trust) and religiosity on millennial loyalty towards AI-enabled mobile banking. Findings – This inquiry reveals that service quality, attitude towards AI and trust are determinants important for millennial loyalty towards AI-enabled mobile banking. Further, this research notes the significant role of religiosity on millennial loyalty towards mobile banking services. Practical implications – This study suggests Islamic banks focus on developing millennial trust and attitude towards AI to increase their loyalty towards AI-enabled mobile banking services. Further, Islamic banks operation that complies with Islamic law is strongly suggested to develop millennial loyalty. Originality/value – To the best of the authors’ knowledge, this is the first study that tries to scrutinize loyalty towards AI-enabled mobile banking
Assessing the sustainability reporting quality of oil & gas companies in Indonesia and Malaysia: Examining the influence of board and CEO chair characteristics
No full textPresently, companies, particularly those significantly impacting the environment and society, are obliged to report their sustainability-related actions. This research focuses on exploring how the characteristics of the board and the chief executive officer contribute to enhancing the quality of sustainability reporting in Oil & Gas companies operating in Indonesia and Malaysia. The study involves an analysis of 18 companies across the years 2012-2022, forming an unbalanced panel dataset encompassing a total of 178 company-year observations. Utilizing the random effect model, the findings suggest that the board’s size, an independent board, and a CEO with a lengthier tenure significantly contribute to improving the quality of corporate sustainability reporting. On the other hand, the gender diversity of the board and the age of the CEO do not exhibit a significant impact on enhancing the quality of corporate sustainability reporting. This research fills a gap in the existing literature by investigating the correlation between board and CEO characteristics and the quality of sustainability reporting within the Oil & Gas sector, specifically focusing on the Indonesian and Malaysian contexts. Moreover, it offers valuable insights and understanding for industry practitioners
Assessing the sustainability reporting quality of oil & gas companies in Indonesia and Malaysia: examining the influence of board and CEO chair characteristics
No full textPresently, companies, particularly those significantly impacting the environment and society, are obliged to report their sustainability-related actions. This research focuses on exploring how the characteristics of the board and the chief executive officer contribute to enhancing the quality of sustainability reporting in Oil & Gas companies operating in Indonesia and Malaysia. The study involves an analysis of 18 companies across the years 2012-2022, forming an unbalanced panel dataset encompassing a total of 178 company-year observations. Utilizing the random effect model, the findings suggest that the board's size, an independent board, and a CEO with a lengthier tenure significantly contribute to improving the quality of corporate sustainability reporting. On the other hand, the gender diversity of the board and the age of the CEO do not exhibit a significant impact on enhancing the quality of corporate sustainability reporting. This research fills a gap in the existing literature by investigating the correlation between board and CEO characteristics and the quality of sustainability reporting within the Oil & Gas sector, specifically focusing on the Indonesian and Malaysian contexts. Moreover, it offers valuable insights and understanding for industry practitioners
