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All Journal International Journal of Applied Finance and Business Studies
Wawan Ichwanudin
Universitas Sultan Ageng Tirtayasa, Serang, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Empirical factors in increasing return on assets at islamic banks in Indonesia Mina Wati Dewi; Akhmadi Akhmadi; Wawan Ichwanudin
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.117

Abstract

The purpose of this study is to develop a research model to overcome business phenomena and research gaps between Operating Costs and operating Income and NonPerforming Financing on Return on Asset with Funding to Deposit Ratio as a mediating variable at Islamic Commercial Banks in Indonesia (Case Study on Islamic Commercial Banks in Indonesia listed on the IDX in 2016-2020). The data collection method used is literature study and documentation study. Sampling using the saturated sampling method obtained as many as 11 Islamic banks. The available data has met the requirements for using multiple linear regression equation models. Hypothesis testing uses a significance test (t-test), coefficient of determination test (R2), and SPSS test. Coefficient of determination (R2) and Sobel test. The results of this study indicate that Operating Expenses and Operating Income have a negative and significant effect on Return on Assets, and the Funding Deposit Ratio has no considerable impact on Return on Assets. At the same time, Operating Costs and operating Income have no significant effect on the Deposit Ratio. Intervening Funding to Deposit Ratio cannot mediate the relationship between Operating Costs and operating Income with Return on Assets. In addition, the author hopes this research can theoretically contribute to the financial management and banking literature in this context.
Relevance of the capital adequacy ratio, as a mediator of its contribution to return on assets empirical study on the conventional banking sector listed on the Indonesia Stock Exchange in 2018-2022 Al Fauzi Hakim; Akhmadi Akhmadi; Wawan Ichwanudin
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.123

Abstract

Banking is an institution that has a crucial role in stimulating the economy. This study aims to develop a research model to address the business phenomenon and research gap between loan-deposit to ratio on Return on Asset with capital adequacy ratio as a mediating variable. The method used by the author in this research is a descriptive quantitative method with an associative approach. The population in this study was 47 conventional banks listed on the Indonesia stock exchange; the sample in this study was 13 banking companies, according to the research variables concerning public financial reports from 2018-2022. Sampling techniques with purposive sampling were used. Data analysis techniques with regression and path analysis using the sobelt test. The results showed that loan deposit to ratio has a significant effect on return on assets, loan deposit to ratio has a significant impact on capital adequacy ratio, loan deposit to ratio has a significant effect on return on investments, capital adequacy ratio can mediate the impact of loan deposit to ratio on return on assets. In addition, the authors hope this research can make a theoretical contribution to the financial management and banking literature in this context.
Co-Authors Akhmadi Akhmadi Al Fauzi Hakim Mina Wati Dewi