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All Journal Indonesian Journal of Economics and Management
Ana Zakiah
Politeknik Negeri Bandung
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analysis of the Determinants of Market Share of Islamic Commercial Banks in Indonesia for the 2020-2024 Period Ana Zakiah; Ine Mayasari
Indonesian Journal of Economics and Management Vol. 6 No. 1 (2025): Indonesian Journal of Economics and Management (November 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v6i1.7274

Abstract

Despite the growth of Islamic banking in Indonesia, its market share remains relatively limited. This study examines the effects of Third-Party Funds (DPK), Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF) on the market share of Islamic Commercial Banks during 2020–2024. A quantitative approach using panel data regression was employed to analyze the relationships between these financial indicators and market share. The results show that DPK has a positive and statistically significant effect on market share (p < 0.001), whereas FDR (p = 0.7339) and NPF (p = 0.9778) have no statistically significant partial effects. The simultaneous test indicates that the three variables are jointly significant. These findings suggest that the ability to mobilize third-party funds is associated with a stronger competitive position among Islamic banks. However, the insignificant results for FDR and NPF indicate that their individual relationships with market share were not statistically established in the estimated model. This study provides empirical evidence on the financial determinants of Islamic banking market share in Indonesia
Co-Authors Mayasari, Ine