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All Journal LAN TABUR: JURNAL EKONOMI SYARIAH
Popon Srisusilawati
Dept. Islamic Banking, Faculty of Sharia, Universitas Islam Bandung Tamansari Street No.1 Bandung, West Java, Indonesia
Economics, Econometrics & Finance

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Capital Intensity And Asset Efficiency In Regional Islamic Banks: Evidence From Bank BJB Syariah Nanik Eprianti; Mohamad Andri Ibrahim; Yayat Rahmat Hidayat; Popon Srisusilawati; Aam Slamet Rusydiana
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.231

Abstract

Introduction: Bank BJB Syariah, as a regional Islamic financial institution, continues to face challenges in maximizing financial performance, particularly in optimizing asset utilization to support product sales. This study aims to investigate the impact of Capital Intensity Ratio (CIR) a key economic metric measuring capital efficiency in generating productive assets on the asset growth of Bank BJB Syariah over the period 2009–2024. Methods: This research applies a quantitative descriptive approach using annual financial data from 2009 to 2024. The empirical analysis is conducted using simple linear regression, incorporating classical assumption testing, a partial t-test, and the coefficient of determination to evaluate the significance and strength of the relationship between CIR and asset value. Results: Findings reveal that CIR has a positive and significant effect on asset performance, with the coefficient of determination indicating that CIR contributes 56.7% to the total variation in asset growth. Conclusion And Suggestion: The results highlight Bank BJB Syariah’s ability to manage capital effectively, leading to enhanced asset productivity, profitability, and competitive positioning within the Islamic banking sector. It is suggested that the bank maintains and further optimizes its capital utilization strategies to support sustained long-term financial performance.
Co-Authors Aam Slamet Rusydiana Mohamad Andri Ibrahim Nanik Eprianti Yayat Rahmat Hidayat