Daulay, Ahmad Harun
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Investment, Islamic Human Development Index and Banking Financing on Economic Growth and Their Impact on Labor Absorption Daulay, Ahmad Harun; Asmuni, Asmuni; Harahap, Isnaini
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.12493

Abstract

The purpose of the study was to analyze the effect of investment, the Islamic Human Development Index and banking financing on the economic growth of the districts/cities of North Sumatra province and to analyze the effect of economic growth in mediating the effect of investment, the Islamic Human Development Index and banking financing for employment in the districts/cities of North Sumatra province. The use of the path analysis method with economic growth as the intervening variable results that in total the indirect effect of investment, banking financing and the Islamic Human Development Index through the intervening variable of economic growth on the Open Unemployment Rate is significant, which means that Economic Growth is able to mediate the effect of Investment, Banking Financing and Islamic Human Development Index on the Open Unemployment Rate in Regencies/Cities of North Sumatra Province during 2015-2019. The amount of direct influence between all variables used, namely, Economic Growth to the Open Unemployment Rate is 90 percent, where the magnitude of the direct influence between all the variables used, namely; Investment, Banking Financing and Islamic Human Development Index on Economic Growth is 95.96 percent. Economic growth as an intervening variable is able to mediate the effect of Investment, Banking Financing and the Islamic Human Development Index (IHDI) on the Open Unemployment Rate and Wage Workers, Banking and Islamic Human Development Index on Workers' Wages, Banking and Islamic Human Development Index on Workers' Wages. The influence of economic growth on the open unemployment rate is positive and significant and the influence of economic growth on workers' wages is negative and significant. The direct influence of economic growth on workers' wages is 89.87 percent.
Bank Health Ratio and Profitability of Commercial Banks in Indonesia: Optimal Strategies in Banking Intermediation Functions Daulay, Ahmad Harun; Prasetyo, Alvin Sugeng
Jurnal Manajemen dan Organisasi Vol. 16 No. 4 (2025): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jmo,16,4,64894

Abstract

The objective of this study is to examine and analyze the impact of commercial bank health on the profitability of commercial banks in Indonesia. The analysis in this study employs panel data regression techniques with a time series spanning from 2010 to 2023 and a cross-section of 105 commercial banks in Indonesia. The study's findings indicate that most bank health indicators have a positive and significant impact on profitability. Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Operating Expenses to Operating Income Ratio (BOPO) are all significant determinants of bank profitability. Future policies should prioritize dynamic capital requirements, advanced risk management systems, liquidity monitoring, and operational digitalization to enhance the resilience and competitiveness of banks in Indonesia.