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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) JMM (Jurnal Masyarakat Mandiri) Jurnal Samudra Ekonomi dan Bisnis Jurnal Sosial Humaniora Terapan JURNAL EKONOMI SYARIAH Community Development Journal: Jurnal Pengabdian Masyarakat Abdi Kami : Jurnal Pengabdian Kepada Masyarakat Journal of Islamic Economics and Finance Studies Journal La Sociale Batara Wisnu : Indonesian Journal of Community Services Journal of Social Commerce Jurnal Pustaka Dianmas Veteran Economics, Management & Accounting Review Jurnal Indonesia : Manajemen Informatika dan Komunikasi Jurnal Ekonomi dan Bisnis CEFARS : JURNAL AGRIBISNIS DAN PENGEMBANGAN WILAYAH Jurnal Agribisnis dan Pengembangan Wilayah Journal of Development Economic and Digitalization
Purwanto Widodo
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Library & Information Science Public Health Social Sciences Other

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Journal : Journal La Sociale

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The use of Dynamic Panel Data to Estimate the Profitability of Conventional Banks Widodo, Purwanto
Journal La Sociale Vol. 7 No. 1 (2026): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v7i1.2773

Abstract

This study aims to analyze internal and macroeconomic factors that affect the profitability of conventional banks in Indonesia, using Return on Assets (ROA) and Net Interest Margin (NIM) proxy. Previous research has often ignored the issue of endogeny and persistence of profitability. Using dynamic panel data from 37 conventional banks during the period 2012–2024, this study applied the Two-Step System Generalized Method of Moments (GMM) method. The results confirm the existence of significant persistence of profitability. It was found that independent factors had different (divergent) impacts on ROA and NIM. Specifically: The Loan-to-Deposit Ratio (LDR) has a positive impact on ROA but negative on NIM. Non-Performing Loans (NPLs) have a negative impact on ROA, but surprisingly positive on NIM. Macro factors (GDP, Inflation, Interest Rates) also show a complex duality of impacts. Banks are advised to maintain optimal LDRs while increasing low-cost Third-Party Funds (DPK) and diversifying non-interest income. Regulators are encouraged to analyze NIM as the core of intermediation efficiency, not just ROA.
Co-Authors Ahya Kamilah Anggi Angga Resti Arkaan Sunyoto, Muhammad Faturrohman Atmadja, Hafizh Fadhilah Fadhli Suko Wiryanto Faizi, Faizi Irene Angela Tampubolon Iwan Kresna Setiadi Kusuma, Airlangga Surya Laili, Sasmita Nurvinda Levianto, Jubei Mariatul Qibtiyah Maulia, Dhita Mulyantini, Sri Pangestuti, Dewi Cahyani Pusporini Renny Husniati Retno Dyah Kusumastuti, Retno Dyah Shinta, Nurendah Sufyati HS Suryanto, Dede Tati Handayani, Tati Tri Siswantini Virsa Oktaviany, Nanda