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All Journal El Dinar Maliki Islamic Economics Journal
Nurrosyida Latifa Himma
Diponegoro University
Religion Economics, Econometrics & Finance Social Sciences Other

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The Effect of Macroeconomic and Microeconomic Variables on the Profitability of Sharia Commercial Banks in Indonesia Nurrosyida Latifa Himma; Tiara Juliana Jaya
Maliki Islamic Economics Journal Vol 4, No 1 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i1.26448

Abstract

This study aims to determine the influence of macro and microeconomic variables on the profitability of Sharia Commercial Banks in Indonesia. The sample determination in this study used purposive sampling techniques and produced seven samples of Sharia Commercial Banks used in this study. The dependent variables used consist of inflation, interest rates, Gross Domestic Product (GDP), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Expense to Operating Income (OEOI). The data analysis method used is panel data regression with e-views software version 12. The results of this study show that interest rate, GDP, and OEOI variables partially have a significant effect on the profitability of Sharia Commercial Banks, while inflation, NPF, and FDR variables partially do not have a significant effect on the profitability of Sharia Commercial Banks in Indonesia in 2017-2021. Meanwhile, based on the results of simultaneous tests, it was found that the variables of inflation, interest rates, GDP, NPF, FDR, and OEOI had a significant effect on the profitability of Sharia Commercial Banking 2017-2021.
PROFITABILITY DRIVERS IN INDONESIAN ISLAMIC AND CONVENTIONAL BANKS: MACROECOOMIC AND MICROECONOMIC PERSPECTIVE Nurrosyida Latifa Himma; Hastarini Dwi Atmanti
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i1.32107

Abstract

This study investigates the impact of macroeconomic variables, namely inflation, gross domestic product (GDP), and the Bank Indonesia interest rate (BI-rate), alongside microeconomic indicators such as non-performing loans (NPL), loan-to-deposit ratio (LDR), non-performing financing (NPF), financing-to-deposit ratio (FDR), and operating expenses to operating income (OEOI) on the profitability of both conventional and Islamic banks in Indonesia over the period 2017–2023. Employing a purposive sampling technique, 7 Islamic banks and 7 conventional banks were selected from a population of 13 Islamic and 92 conventional banks, based on the criteria of complete financial disclosures and consistent financial performance. Panel data regression analysis reveals that, for conventional banks, inflation exerts a statistically significant negative influence on return on assets (ROA), whereas GDP, the BI-rate, and LDR exhibit significant positive effects. Conversely, NPL and OEOI negatively affect profitability. In the case of Islamic banks, inflation, NPF, and FDR demonstrate significant adverse impacts on ROA, while GDP, the BI-rate, and OEOI contribute positively. These findings emphasize the divergent financial structures and sensitivities of conventional and Islamic banks in response to macroeconomic and microeconomic dynamics. The study offers strategic insights for bank management and regulatory authorities to enhance policy frameworks, with particular emphasis on risk mitigation and digital adaptation, thereby fostering sustained profitability and competitiveness in Indonesia’s banking sector.
Co-Authors Hastarini Dwi Atmanti Tiara Juliana Jaya