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Analysis Of Profitability Performance In Sharia Commercial Banks Period 2018 – 2022 Olfat Rayfadil Nabawi; Marlina Marlina
International Journal of Business, Technology and Organizational Behavior (IJBTOB) Vol. 3 No. 4 (2023): International Journal of Business, Technology, and Organizational Behavior (IJB
Publisher : Garuda Prestasi Nusantara Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52218/ijbtob.v3i4.286

Abstract

Abstract This study aims to analyze the factors influencing the profitability ratio of Islamic Commercial Banks during the period 2018-2022. The research method used in this study is panel regression analysis. The data utilized is panel data comprising several Islamic commercial banks registered with the Indonesian Financial Services Authority (OJK) over the five-year period. The dependent variable in this research is the profitability ratio, measured by return on assets (ROA). The independent variables include factors believed to affect profitability, such as liquidity, capital adequacy, and non-performing financing. The analysis results indicate that liquidity, capital adequacy, and non-performing financing do not have a significant impact on profitability. This study contributes to the understanding of the factors influencing the profitability of Islamic commercial banks in Indonesia. The findings can be utilized by bank management and regulators to improve financial performance and identify crucial factors for optimizing the profitability of Islamic commercial banks. Keywords: profitability, sharia commercial banks, liquidity, capital, non-performing financing.
Analisis Bank Specific Factor terhadap Penyaluran Kredit Perbankan Konvensional Aulya Sukma; Marlina Marlina; Agus Kusmana
Jurnal Akuntansi, Keuangan, dan Manajemen Vol 2 No 4 (2021): September
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jakman.v2i4.463

Abstract

Purpose: This research aimed to discover the influence between capital, credit risk, liquidity, and efficiency towards credit lending. Research methodology: This research includes quantitative research. The objects in this research were commercial banks listed on the Indonesia Stock Exchange (IDX), with 36 commercial banks chosen as the samples within the 2017 – 2019 period. Research hypotheses were tested with a significance level of 5% by using a panel data regression model and assisted by E-Views 11 program. Results: The result obtained within this research are (1) there is an influence between capital and credit lending, (2) credit risk does not influence credit lending, (3) liquidity has influence credit lending, and (4) efficiency does not have any influence with credit lending. Limitations: The limitations of this research were the least amount of former research both nationally and internationally containing a detailed explanation about a similar topic. Contribution: The result obtained can be used for the next researcher's references, also used as a bank’s consideration on operating their main operational activity, which is credit lending, and for investor's consideration while intended to invest in the banking sector.