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Riyaldi, M. Haris
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Economics, Econometrics & Finance

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A Comparative Analysis of Financial Performance of Banking Industry in Indonesia: Conventional Versus Islamic Banks Wardhani, Izza Al Ula Zakiyah Kusuma; Abd. Majid, M. Shabri; Sartiyah, Sartiyah; Riyaldi, M. Haris
EQUILIBRIUM Vol 11, No 1 (2023): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v11i1.17998

Abstract

This study aims to compare and analyze the financial performances of conventional and Islamic banks in Indonesia. It also attempts to measure and analyze the effect of capital, financing risk, operational efficiency, liquidity, and regulatory compliance on banking financial performances. The sample in this study is the balanced panel data, comprising a cross-section of 87 conventional banks and 11 Islamic banks and a time series from 2011 to 2020 periods, which were selected using a purposive sampling technique. The secondary data are gathered from the annual reports of the banking samples. The comparative analysis and determination of factors affecting banking financial performances are examined using a different independent sample t-test and multiple panel regression, respectively. The study documented that the financial performance of conventional banks was better than that of Islamic banks. Furthermore, the study found that capital, financing risk, and operational efficiency negatively affected performance of the conventional banks, while liquidity and regulatory compliance positively influenced conventional banking performance. Comparatively, capital, liquidity, and regulatory compliance positively affected Islamic banking performance, while financing risk and operational efficiency negatively affected Islamic banking performance. These findings suggest the importance of banking management to impose different financial management policies to enhance their performances by referring to the directional effects of the determinants of the banking financial performances.
Peran Belanja Pemerintah Daerah Dalam Memoderasi Pengaruh Zakat Terhadap Kemiskinan di Provinsi Aceh Siregar, Nur Azizah; Amri, Khairul; Riyaldi, M. Haris
Journal of Law and Economics Vol. 2 No. 2 (2023): NOVEMBER 2023
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/jle.v2i2.176

Abstract

This research article reviews the role of local government spending in moderating the relationship between zakat receipts and poverty in 23 districts / cities in Aceh province for the 2009-2018 period. The type of data in this study is secondary data in the form of panel data, namely a combination of time series data and cross section data. Sources of data were obtained from BPS Aceh, Baitul Mal Aceh and the Regional Government processed by the Regional Financial Data Sub-Directorate, Directorate of EPIKD from 2009-2018. The method of research analysis was carried out using panel data regression analysis and MRA to examine the effect of zakat and regional spending on poverty reduction and to examine the role of regional spending in moderating the relationship between zakat and poverty in Aceh Province. The results showed; (1) zakat has a negative and significant effect on poverty reduction; (2) BPD has a negative and significant effect on poverty reduction; (3) MDR is negative and not significant to the relationship between zakat and poverty, which means that BPD is only an independent variable but not a moderating variable on the relationship between zakat and poverty
Co-Authors Khairul Amri M. Shabri Abd. Majid Sartiyah Sartiyah, Sartiyah Siregar, Nur Azizah Wardhani, Izza Al Ula Zakiyah Kusuma