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Profitability of Islamic Commercial Banks in Indonesia Tho'in, Muhammad
MEC-J (Management and Economics Journal) Vol 3, No 3 (2019)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (615.242 KB) | DOI: 10.18860/mec-j.v3i3.7027

Abstract

This study aims to determine the profitability of Islamic commercial banks in Indonesia reviwed from the effect of NPF ratio and CAR ratio as intervening variable to ROA ratio in 2014-2016. The sampling technique of this research uses purposive sampling with the criteria of Islamic Commercial Banks which are registered in Financial Services Authority during period 2014 until 2016 and Islamic Banks which are consistently publish quarterly report period 2014-2016. The results show that there are 10 BUS with quarterly data amounting to 120. This method of this research uses calculating path analysis method with the help of SPSS 23 program. The test that has been done shows that the NPF ratio has significant effect to ROA ratio which means that the bigger NPF ratio, the bigger cost of eliminating the financing reserve which resulted the income of Islamic commercial bank is decreasing, so it will have an impact to the decrease of ROA ratio.  The NPF ratio significantly influences the CAR ratio, which means that the greater financing risk faced by Islamic commercial banks will increase the formation of allowance for earning assets losses from the equity held, thereby reducing the share of equity which is the component of the capital adequacy. CAR ratios are able to mediate an indirect effects of NPF ratios to ROA ratios.
ANALYSIS OF WORK SATISFACTION, ORGANIZATIONAL COMMITMENTS, AND WORK ENGAGEMENT EFFFECT TOWARD EMPLOYEE PERFORMANCE IN SHARIA BANKS Tho'in, Muhammad; Muliasari, Dewi
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 4, No 02 (2020): IJEBAR, VOL. 04 ISSUE 02, JUNE 2020
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v4i02.1101

Abstract

The main objective of this research is to examine the effect of job satisfaction, organizational commitment, and work involvement on the performance of employees at Bank Syariah Mandiri (BSM) in Surakarta. This study uses a quantitative approach and the data used in this study are primary data sourced from questionnaires distributed to BSM employees totaling 60 questionnaires as respondents (according to the number of BSM employees in Surakarta). The sampling method in this study is to use a total sampling technique. Methods of data analysis using descriptive statistics, validity test, reliability test, multiple linear regression analysis test, t test, and R2 test. The results showed that partially job satisfaction variables, organizational commitment variables, and work engagement variables significantly influence employee performance at Bank Syariah Mandiri in Surakarta. Keywords: job satisfaction, organizational commitment, job involvement, employee performance