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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Irene Rini Demi Pangestuti
Diponegoro University, Indonesia
Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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DETERMINANTS OF PROFITABILITY OF SHARIA PEOPLE'S FINANCING BANKS IN INDONESIA Sakinah Sakinah; Irene Rini Demi Pangestuti
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, dan Pendidikan Vol. 2 No. 9 (2023): August
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v2i9.1358

Abstract

The success of banking is reflected in its profitability, which is the result of all the activities and operations of banking companies that have been running. Financial reports can provide an overview of the level of profitability achieved by banking companies. This study aims to test howthe influence of CAR, liquidity, efficiency, credit risk, and bank size on the profitability of Islamic People's Financing Banks (BPRS) registered with OJK duringperiod 2018-2021. The research method is quantitative with secondary data. PSample determination was carried out using a purposive sampling method, the research sample criteria were (a) BPRS registered with the OJK, (b) BPRS that had a complete report for 2018 - 2021 and sent it to the regulator (OJK) and a positive ROA.The research analysis tool uses Eviews with the methodselection is the Random Effect Model (REM). The research results show that BOPO, credit risk, bank size and Covid control have a negative effect on profitability, while CAR and FDR have no effect. In the f-test the feasibility of the panel data equation model, the sig value. 0.000 meansCAR, FDR, BOPO, NPF and Assets as well as the Covid control variable together have a significant effect on the profitability variable. Determination test resultsR² of0.856862, meaning that ROA is influenced by the variables CAR, FDR, BOPO, NPF, and Assets as well as the covid control variable of 85.69%, while the remaining 14.31% is influenced by other factors outside of these variables.
INDONESIA'S GREEN, RED ECONOMIC SECTORS AND BANKING CREDIT RATES Heru Setyo Handogo; Irene Rini Demi Pangestuti
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, dan Pendidikan Vol. 2 No. 10 (2023): September
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v2i10.1372

Abstract

This research is to analyze the influence of economic sectors on loan interest rates given, by linking it to the issue of sustainable finance. This research tries to see whether there are differences in credit interest rates given by banks in Indonesia to economic sectors that support the environment (green) and economic sectors that support the environment. endangers the environment (red). The research uses samples from bank data in Indonesia for the period 2016 to 2021. Credit data is mapped to green and red economic sectors with criteria according to the Indonesian Green Taxonomy. Data is processed by panel regression using the fixed effect model. The results of the study show that there is a negative and significant relationship between green credit and loan interest rates. On red credit, although it has a positive correlation, it is not statistically significant.
Co-Authors Heru Setyo Handogo Sakinah Sakinah