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All Journal Dinamika Akuntansi Keuangan dan Perbankan Diponegoro Journal of Economics JEJAK Trikonomika: Jurnal Ekonomi El Dinar PRESTASI Jurnal Ekonomi & Studi Pembangunan JEB17 : Jurnal Ekonomi dan Bisnis JDE (Journal of Developing Economies) Jurnal REP (Riset Ekonomi Pembangunan) Adzkiya : Jurnal Hukum dan Ekonomi Syariah International Journal of Economics, Business and Accounting Research (IJEBAR) BISECER (Business Economic Entrepreneurship) KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Budimas : Jurnal Pengabdian Masyarakat Indicators : Journal of Economic and Business GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan International Journal of Social Science, Education, Communication and Economics JDEP (Jurnal Dinamika Ekonomi Pembangunan) WELFARE Jurnal Ilmu Ekonomi Mestaka: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian Masyarakat Bangsa JURNAL EKONOMI BISNIS DAN MANAJEMEN Journal of Economics and Management Scienties Jurnal REP (Riset Ekonomi Pembangunan) Jurnal Ekonomi Bisnis dan Manajemen AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Beujroh : Jurnal Pemberdayaan dan Pengabdian pada Masyarakat Indonesian Journal of Agriculture and Environmental Analytics Asian Journal of Management, Entrepreneurship and Social Science Masyarakat: Jurnal Pengabdian Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Jurnal Pengabdian Masyarakat Multidisiplin
Hastarini Dwi Atmanti
Fakultas Ekonomika Dan Bisnis, Universitas Diponegoro
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Journal : El Dinar

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PROFITABILITY DRIVERS IN INDONESIAN ISLAMIC AND CONVENTIONAL BANKS: MACROECOOMIC AND MICROECONOMIC PERSPECTIVE Himma, Nurrosyida Latifa; Atmanti, Hastarini Dwi
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i1.32107

Abstract

This study investigates the impact of macroeconomic variables, namely inflation, gross domestic product (GDP), and the Bank Indonesia interest rate (BI-rate), alongside microeconomic indicators such as non-performing loans (NPL), loan-to-deposit ratio (LDR), non-performing financing (NPF), financing-to-deposit ratio (FDR), and operating expenses to operating income (OEOI) on the profitability of both conventional and Islamic banks in Indonesia over the period 2017–2023. Employing a purposive sampling technique, 7 Islamic banks and 7 conventional banks were selected from a population of 13 Islamic and 92 conventional banks, based on the criteria of complete financial disclosures and consistent financial performance. Panel data regression analysis reveals that, for conventional banks, inflation exerts a statistically significant negative influence on return on assets (ROA), whereas GDP, the BI-rate, and LDR exhibit significant positive effects. Conversely, NPL and OEOI negatively affect profitability. In the case of Islamic banks, inflation, NPF, and FDR demonstrate significant adverse impacts on ROA, while GDP, the BI-rate, and OEOI contribute positively. These findings emphasize the divergent financial structures and sensitivities of conventional and Islamic banks in response to macroeconomic and microeconomic dynamics. The study offers strategic insights for bank management and regulatory authorities to enhance policy frameworks, with particular emphasis on risk mitigation and digital adaptation, thereby fostering sustained profitability and competitiveness in Indonesia’s banking sector.
Co-Authors Achma Hendra Setiawan Almitha, Scholastica Nadya Amprul Khoeri Anwaril Muttaqin, Aris An’im Kafabih Aqil Widyantoro, Ahmad Ariska Nurfajar Rini Basworo, Fajar Hanung Bayu Wijaya Caroline, C. Davika, Hira Dul Muid Dwijaya Samudra Suryaman E.S.A Soeryaningrum A Evi Yulia Purwanti Fahrur Rozi, Muhammad Firmansyah Galih Ramadhan Febrianto Hadi Sasana Haidar Akhmad Al Barabasi Hanis Khoirul Lathifah Himma, Nurrosyida Latifa I Made Bayu Dirgantara Imam Juhaari Irfan Muhammad Al Farrell Jopie Tamtelahitu Juliana Kadang Ketut Wahyu Dhyatmika Linda Agustiana Majid, Rifaldi Mukti Rinusara, Novita Mulyo Hendarto Robertus Muttaqin, Aris Anwaril Muzaki, Raihan Ningsih, Ida Wahyu Nugrahani, Eva Idvi Nugroho, Prasetyo Ardi Resa, Ris Setya Rinusara, Novita Mukti Rozi, Muhammad Fahrur Saessatya, Zarel Shoimatul Fitriana Tamtelahitu, Jopie Tri Wahyu Rejekiningsih Trias Fajar Novianto Wahyu Rejekiningsih, Tri Yuliani Setyaningsih