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All Journal Jurnal Manajemen Bisnis dan Kewirausahaan Journal of Management and Islamic Finance
Delavilanda Baby Efa
UIN Syekh Wasil Kediri
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Does Banking Digitalization Enhance Profitability and Efficiency? Evidence from Islamic Banks in Indonesia Delavilanda Baby Efa
Journal of Management and Islamic Finance Vol. 6 No. 1 (2026): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v6i1.14774

Abstract

This study investigates the impact of banking digitalization on the financial performance of Islamic banks in Indonesia, with a particular focus on profitability and operational efficiency. Using panel data from 2020 to 2024 and applying a Fixed Effect Model (FEM), digitalization is proxied by the logarithm of total mobile banking transactions, while performance is measured by Return on Assets (ROA) and the Operating Expenses to Operating Income ratio (BOPO). The results demonstrate that banking digitalization exerts a significant dual effect on performance by increasing profitability and simultaneously reducing operational inefficiency. These findings indicate that digital transformation enhances both revenue generation and cost efficiency through process automation and reduced dependence on physical banking infrastructure. Among the control variables, bank size positively affects profitability, whereas the financing to deposit ratio (FDR) increases inefficiency, while capital adequacy ratio (CAR) shows no significant effect. The findings support the Resource-Based View (RBV), highlighting digital capability as a key strategic resource in improving bank performance. This study contributes to the literature by providing robust empirical evidence on the dual role of digitalization in enhancing both profitability and efficiency in Islamic banking, particularly in emerging markets, and offers important implications for strengthening digital transformation strategies. Keywords: Banking Digitalization; Profitability; Operational Efficiency; Islamic Banking
Gender-Diverse Boards, Family Ownership, and Corporate Dividend Policy: Evidence from The LQ-45 Index Firms Delavilanda Baby Efa; Ahmad Mujaddid Ahwali
Jurnal Manajemen Bisnis dan Kewirausahaan Vol. 6 No. 2 (2026): SEPTEMBER
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jamanika.v6i2.43633

Abstract

This study aims to examine the effect of board gender diversity on dividend policy and the moderating role of family ownership in LQ45 companies listed on the Indonesia Stock Exchange. Board gender diversity is measured based on the Blau Index for the board of commissioners, board of directors, and the combined board. This study employs a quantitative approach using secondary data from annual reports of LQ45 companies during 2020–2024. Using purposive sampling, 200 firm-year observations were analyzed using panel data regression with a fixed-effect model. The results show that board gender diversity has a positive and significant effect on dividend policy (β = 0.936; p < 0.001). Similarly, gender diversity on the board of commissioners (β = 0.565; p < 0.001) and board of directors (β = 0.741; p < 0.001) positively and significantly affects dividend policy. Furthermore, family ownership negatively and significantly moderates the relationship between board gender diversity and dividend policy (β = −1.354; p < 0.001), board of commissioners gender diversity and dividend policy (β = −1.591; p < 0.001), and board of directors gender diversity and dividend policy (β = −0.955; p < 0.001). These findings indicate that family ownership weakens the positive contribution of gender-diverse boards to dividend policy. The study contributes empirical evidence on the interaction between board gender diversity and family ownership in explaining dividend policy in an emerging market context. For investors, the findings highlight the importance of considering board composition and ownership structure when evaluating dividend policies of LQ45 companies.
Co-Authors Ahmad Mujaddid Ahwali