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All Journal MIX : Jurnal Ilmiah Manajemen Dinasti International Journal of Management Science
Shinta Amalina Hazrati Havidz
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

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THE DETERMINANTS OF ROA (RETURN ON ASSETS) OF FULL-FLEDGED ISLAMIC BANKS IN INDONESIA Shinta Amalina Hazrati Havidz; Chandra Setiawan
MIX: JURNAL ILMIAH MANAJEMEN Vol 5, No 1 (2015): MIX: Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (381.741 KB)

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Abstract.The main objectives of this research is to examine the determinants of ROA (Return on Assets) of Full-fledged Islamic banks in Indonesia in the period of January 2008 – December 2011 using monthly-published report data of Central Bank (Bank Indonesia) with 3 full-fledged Islamic banks in Indonesia as the samples of the research. Panel Least Square is applied as the research method where those data had been tested with the classical assumption test, such as: normality, autocorrelation, multicollinearity and heteroscedasticity tests. However, the data could not fulfill the normality test, while the remaining assumption tests is fulfilled. The findings reveal that Financing to Deposit Ratio (FDR), Debt to Total Assets Ratio, Capital Adequacy Ratio (CAR), Size and Operational Efficiency Ratio (OER) have significant effect simultaneously towards ROA. Partially, FDR, DTAR, and CAR have positive effect and significant towards ROA, while size and OER have negative effect and significant towards ROA.Size is the highest coefficient among the determinant variables, while FDR is the weakest coefficient that effect ROA in the full-fledged Islamic banks in Indonesia.Keywords: return on assets , Financing to Deposit Ratio, Debt to Total Assets Ratio, Capital Adequacy Ratio, Size, Operational Efficiency Ratio
BANK-SPECIFIC AND MACROECONOMIC DETERMINANTS OF NON-PERFORMING LOANS OF COMMERCIAL BANKS IN BANGLADESH Towhid, ASM; Shinta Amalina Hazrati Havidz; Mohammed Ameen Qasem Ahmed Alnawah
Dinasti International Journal of Management Science Vol. 1 No. 1 (2019): Dinasti International Journal of Management Science (September - October 2019)
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijms.v1i1.28

Abstract

The prime objective of this research is to identify the main determinants of non-performing loans in the commercial banking system of Bangladesh for the period 2011-2016 using panel data modeling. This paper uses balanced panel data method to examine both bank-specific (return on average assets, net loans to deposit ratio, bank size, cost-to-income ratio, and capital adequacy ratio) and macroeconomic (real GDP growth rate and inflation rate) variables. To attain the objectives, the present research analyzed historical data and panel data model using secondary data. To examine panel data modeling, the researcher considers 16 private commercial banks in Bangladesh and executed pooled OLS model, fixed effect model, random effect model and random effect with the robust standard error. The researcher found a negative significant relationship for return on average assets, net loans to deposit ratio and inflation rate in relation to NPLs and results are supporting the previous researcher. Based on the findings, the study offers some valuable strategies to the management to improve return on average assets, net loans to deposit ratio and inflation rate to reduce the NPLs at least under the tolerance level. The study also delineates the limitations of this work and direction for future research.
Co-Authors Chandra Setiawan Mohammed Ameen Qasem Ahmed Alnawah Towhid, ASM