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All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Siti Maryama
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Macroeconomic Factors Affecting Financial Performance in Islamic Banks and Conventional Banks: A Comparative Analysis Siti Maryama; Berlianingsih Kusumawati; Sulistyo Seti Utami; Ermalina Ermalina; Tatum Artha
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 6, No 3 (2023): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v6i3.7676

Abstract

This study aims to determine macroeconomic factors that affect the financial performance of Islamic and conventional banking. This study uses PLS-SEM to determine the macroeconomic factors that affect the performance of Islamic and conventional banking. The data used is secondary data with a time span of 2018-2022 for all Islamic and conventional banks in Indonesia. The results of this study are external macroeconomic factors that significantly affect the financial performance of Islamic banks with a value of 0.000 and conventional banks with a value of 0.000. However, the most influential Islamic bank is the capital adequacy ratio (CAR) with a value of 35.429, while the financial performance factor of conventional banks is the loan to asset ratio (LAR) with a value of 45.177. This research is expected to be an early warning system for Islamic banks and conventional banks in Indonesia.
Co-Authors Anita Sari Berlianingsih Kusumawati Ermalina Ermalina Sulistyo Seti Utami Tatum Artha