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All Journal Jurnal Manajemen dan Agribisnis IQTISHODUNA El Dinar Jurnal Ekonomi dan Bisnis Islam Falah : Jurnal Ekonomi Syariah al-Uqud : Journal of Islamic Economics Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam Shirkah: Journal of Economics and Business Journal of Islamic Monetary Economics and Finance International Journal of Financial, Accounting, and Management Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Journal of Sustainable Tourism and Entrepreneurship Annals of Management and Organization Research Jurnal Pengabdian Masyarakat Indonesia Jurnal Pusat Inovasi Masyarakat Annals of Human Resource Management Research Ekonomi Islam Indonesia Journal of Islamic Economic Literatures International Journal of Waqf Review on Islamic Accounting Islamic Social Finance Halal Tourism and Pilgrimage Islamic Economics Methodology Bukhori: Kajian Ekonomi dan Keuangan Islam Fara'id and Wealth Management The Economic Review of Pesantren Islamic Marketing Review Accounting and Sustainability Business and Sustainability Policy Brief Pertanian, Kelautan, dan Biosains Tropika Halal Studies and Society
Mohammad Iqbal Irfany
Department Of Islamic Economics, Faculty Of Economics And Management, IPB University, Bogor, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Library & Information Science Public Health Social Sciences Other

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Journal : Islamic Economics Methodology

 1 
Internal and External Factors Affecting Banking Profitability: Evidence from Dual Banking System in Indonesia Ikhsana, Nadya Ramadhani; Achsani, Noer Azam; Irfany, Mohammad Iqbal
Islamic Economics Methodology Vol. 4 No. 1 (2025): Islamic Economics Methodology
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/iem.v4i1.612

Abstract

Implementing the dual banking system in Indonesia offers options for customers to use banking services. Before selecting which service to use, customers should perceive each bank's advantages and disadvantages. It can be carried out by conducting a performance evaluation of each bank that generates high profitability measured by the Return on Assets (ROA) value. This study aims to perform internal and external factors analysis that affect bank profitability and to compare profitability between Islamic and Conventional banking in Indonesia using the Vector Error Correction Model (VECM) method. The result shows that variable Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) have a significant positive effect on Islamic Model in the long term, whereas policy rate and oil price (COP) hold a significant negative effect. In the Conventional Model, variable CAR, policy rate, and COP hold a significant positive effect, while the exchange rate shows a negative effect. FEVD results indicate that in Islamic Model, the diversity of banking profitability can be explained by various variables, indicating that Islamic banking is more engaged in the real sector than conventional banking.
Co-Authors Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana, Aam Slamet Aceng Hidayat Achsani, Muhammad Nur Faaiz Fathah Afiana, Riyyun Ahmad Izzuddin Aisyah, Tasya Nur Al Muharram, Muhammad Shiddiq Al Zahroh, Dina Naba Albajili, Abi Nubli Alda Luthfiana Alfiasari Amirah, Nurul Anggini, Karlita Anggraini, Lilik Asep Nurhalim Aulia Nur Cahyani Camara, Bumi Daffa Aqomal Haq Daffa Aqomal Haq Dharmarianti, Dian Putri Dwi Hastuti Erliza Noor Euis Sunarti Fadhila Meithasari Nurtjahjo Fiona Ramadhini Fitri, Resfa Fitriyatustany Fitriyatustany Handian Purwawangsa Haq, Daffa Aqomal Hutajulu, Ivonia R. Ikhsana, Nadya Ramadhani Indah Sulistya Intan Aulia Ardhani Irfan Syauqi Beik Isbayu, Muhammad Istiqlaliyah Muflikhati JAENAL EFFENDI Kusumaningrum, Devina D. Laily Dwi Arsyianti Lilik Noor Yuliati Maulidiya, Sherly Eka Melinda, Vera Melly Latifah Muhammad Afifuddin Abdurrosyid Kamil Muhammad Wildan Syakuro Mustika Mustika Muthohharoh, Marhamah Nadiya Ulfa Neneng Hasanah Neneng Hasanah Nur Wulan Nursyamsiyah, Tita Priyanto, Anindia Meil Putri, Fatimah Iskandar Putri, Syifa Izzati Anzania Putri, Uly Anggraeni Qoriatul Hasanah Rafki, Muhammad Rahmat, Muhammad Alifka Ramadhini, Fiona Ramadini, Kintan Nur Ramdhani, Arlita Ranti Wiliasih Rezkyarta, Alif Rosmala, Novia Setiawan, Alfianto Hendry Sofina Mujadiddah Sri Rahayu Sri Rahayu Ningsih Susanto, Astiani Tamaulina Br Sembiring Tiara Early Afifah Tita Nursyamsiah Tita Nursyamsiah, Tita Tsany, Fadhlan Ulhaqqi, Muhammad Fikra Yafi Vitriara Ahsana Nadya Widya Syafitri Yulina Eva Riany Zidan, Muhamad