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Nurma Waddah
Departement of Management, Faculty of Economics and Business, Universitas Negeri Semarang, Indonesia
Economics, Econometrics & Finance

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Probabilistic Prediction of the Financial Performance of Conventional and Islamic Banks During the Covid-19 Pandemic Nurma Waddah; Moh. Khoiruddin
Management Analysis Journal Vol. 13 No. 2 (2024): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v13i2.12196

Abstract

This study aims to predict the probability of achieving the financial performance of conventional and Islamic banks listed on the Indonesia Stock Exchange during the Covid-19 pandemic. This study uses Return on Assets (ROA) as the dependent variable, E-Banking implementation variables; FinTech growth, GDP growth; inflation; interest rates; Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and Non Performing Financing (NPF); Operating Expenses to Operating Income (BOPO) as independent variables. This study uses correlational research with a quantitative approach. The research sample consists of 47 banks listed on the Indonesia Stock Exchange, with 43 banks operating conventionally and 4 banks operating sharia. Documentation and literature study methods were used to collect data which were then analyzed using logistic regression. The results showed that the variables that are able to predict the probability of ROA occurrence in conventional banking are the application of E-Banking, NPL (n) and BOPO, while in Islamic banking the variables of FinTech growth, Inflation and BOPO are variables that are able to predict the probability of ROA occurrence.
Co-Authors Moh. Khoiruddin