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All Journal WIDYAKALA JOURNAL JIKA: Jurnal Ilmu Keuangan dan Perbankan Jurnal Ilmiah Manajemen Kesatuan International Journal of Business, Law, and Education The Es Economics and Entrepreneurship
Mala, Chajar Matari Fath
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The Measurement of Efficiency of Sharia Banks in Indonesia: Two-Stage Data Envelopment Analysis (DEA) Aziz, Lukmanul Hakim; Ganika, Gerry; Mala, Chajar Matari Fath
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 13 No 1: December 2023
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v13i1.11397

Abstract

This research was conducted to measure the efficiency of sharia banks in Indonesia. The study utilized two stages, with the first stage employing the Data Envelopment Analysis (DEA) method, and the second stage conducting an analysis using the Tobit Method to determine the influence of market competition, market share, NSFR, CAR, ROA, and BOPO variables on its independent variable, which is efficiency. This research utilized panel data from sharia banks in Indonesia. The findings of this study provide a deeper understanding of the factors influencing the efficiency of sharia banks, and the results can serve as a basis for formulating policies that support the growth of a more efficient sharia banking industry. Several variables that affect sharia banks in Indonesia are market share, NSFR, CAR, ROA, and BOPO. However, variables such as the Lerner Index and ROA do not have a significant impact on the level of efficiency.
The Analysis of Typology Klaassen on Deposits and Credits at Regional Development Banks in Java and Bali Mala, Chajar Matari Fath; Jumono, Sapto
WIDYAKALA JOURNAL : JOURNAL OF PEMBANGUNAN JAYA UNIVERSITY Vol 12, No 1 (2025): Urban Lifestyle and Urban Development
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat UPJ

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36262/widyakala.v12i1.1201

Abstract

The purpose of this study is to examine RDB (Regional Development Bank) performance in 6 provinces: Bali, DKI Jakarta, West Java and Banten, Central Java, East Java, and Yogyakarta from 2012 to 2022 using the Klaassen  Typology for evaluating banks by credit-to-deposit ratios and growth against provincial averages. Although regional development banks (RDBs) are crucial for regional economic development, previous studies have not provided a comparative framework to understand the disparity of credit and deposit growth between RDBs in different provinces. The result shows strong credit growth of Bank Bali without consistent, good credit management in Bank DKI while the deposits are not managed well, then Bank Jabar-Banten, which maintained the market share but lack of deposit strategy, while Bank Jateng still outperformed in most provincial growth, albeit at times, the growth is fluctuant, happened to Bank Jatim that shows inconsistent performance only to recover in recent years, and Bank DIY still achieved strong credit while poor in deposit. This study also suggests expanding the lending portfolios, looking for niche market opportunities, adopting financial technology, and having better credit distribution employments in line with regional economic growth along with better consumer education programs to improve the RDB performance. The results also help fill a research gap in structured performance evaluation for RDBs, and they help elucidate the need for tailored banking strategies that effectively sustain financial stability at the regional level.
A Study Literature of Interest Rates and Islamic Monetary Policy Mala, Chajar Matari Fath
The Es Economics and Entrepreneurship Vol. 2 No. 02 (2023): The Es Economics And Entrepreneurship (ESEE)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esee.v2i02.152

Abstract

This paper provides a comprehensive analysis of the existing literature about contemporary Islamic monetary policy and its implementation through interest rates in the context of monetary policy. Upon conducting a comprehensive examination of the pertinent literature, it becomes evident that numerous conventional monetary policy instruments can be suitably modified and employed within the framework of Islamic monetary policy. Using interest rates as a monetary policy tool has been observed to directly impact injustice, including social unfairness, widespread corruption, and manipulation by global financial institutions that governments and authorities support. The current global financial crisis exemplified this. This study aims to analyze the several alternatives to interest rates utilized in Islamic monetary policy tools while also conducting a literature analysis on Islamic monetary policy.
Credit Risk Management via Capital Adequacy: Insights on Stability from Indonesia Regional Banks Mala, Chajar Matari Fath; Jumono, Sapto
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 4 (2025): JIMKES Edisi Juli 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i4.3175

Abstract

This study investigates the moderating role of Capital Adequacy Ratio on the relationship between Non-Performing Loans and core banking indicators Lerner Index, market share of loans, market share of deposits, technical efficiency, scale efficiency, and interest rate spread across two categories of Indonesian Regional Development Banks: undercapitalized (Category-1) and well-capitalized (Category-2). Using quarterly panel data from 24 Indonesian Regional Development Banks for the period 2012–2022 and estimated with Generalized Least Squares, the results show that Capital Adequacy Ratio significantly moderates the effect of Lerner Index, market share of deposits, and interest rate spread on Non-Performing Loans, strengthening risk absorption capacity in Category-2 banks. However, Capital Adequacy Ratio does not effectively mitigate risks arising from aggressive loan growth, particularly in Category-1 banks. Additionally, technical efficiency and scale efficiency reduce Non-Performing Loans only when capital buffers are adequate. These findings suggest that Capital Adequacy Ratio affects the risk–return trade-off differently across bank types, highlighting the importance of tailored regulatory frameworks and reinforcing the notion that capital adequacy must be supported by strong governance and operational efficiency to effectively manage credit risk.
The Impact Of Employee Performance On Employee Productivity: Based On The Work Environment, Standard Operating Procedures (SOP), And Work Discipline Windarko, Windarko; Lastro, Djano; Iskandar, Yusuf; Mala, Chajar Matari Fath
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.265

Abstract

This research explores the complex relationship between employee performance and productivity within a company. Typically, research related to performance and productivity focuses on the skills of employees as well as their motivation or incentives. In this case, the researcher aims to examine performance and productivity from three other crucial factors: the work environment, Standard Operating Procedures (SOP), and work discipline. This is because it has been found that these three factors can also influence an employee's performance, ultimately impacting their productivity while working. The research results will reveal whether a positive work environment can have a positive impact on performance. Similarly, the increasing strictness of SOPs and the discipline in following them can also have a positive effect on both performance and productivity.
INCOME DIVERSIFICATION, PROFITABILITY, AND RISK IN ISLAMIC BANKING IN INDONESIA Mala, Chajar Matari Fath; Jumono, Sapto; Lastro, Windarko; Iskandar, Yusuf
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.266

Abstract

This study investigates the factors that affect income diversification and the associated risk in Indonesian Islamic banking. Panel regression is used to examine the correlation between risk factors, including primary operating revenue, fee-based income, internal and external factors, and the profitability of Islamic banks. Panel regression analysis has been conducted on the data from 2012-2016 to determine the factors that affect profitability and risk. The results show that pretax profit, after-tax profit as a proportion of total assets, and after-tax profit as a percentage of total equity react differently to income diversification. According to the findings, an increase in profit before taxes can be expected as the number and diversity of a company's revenue streams continue to expand. This indicates that the financial health of Islamic banks improves when they have access to many revenue streams. Furthermore, the standard deviation of baseline income shows that diversifying sources of income has little effect on internal risk.
Co-Authors Aziz, Lukmanul Hakim Ganika, Gerry Lastro, Djano Sapto Jumono Windarko Windarko Yusuf Iskandar