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All Journal El Dinar Maliki Islamic Economics Journal Jejak: Jurnal Ekonomi dan Kebijakan
Himma, Nurrosyida Latifa
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Religion Economics, Econometrics & Finance Social Sciences Other

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The Effect of Macroeconomic and Microeconomic Variables on the Profitability of Sharia Commercial Banks in Indonesia Himma, Nurrosyida Latifa; Jaya, Tiara Juliana
Maliki Islamic Economics Journal Vol 4, No 1 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i1.26448

Abstract

This study aims to determine the influence of macro and microeconomic variables on the profitability of Sharia Commercial Banks in Indonesia. The sample determination in this study used purposive sampling techniques and produced seven samples of Sharia Commercial Banks used in this study. The dependent variables used consist of inflation, interest rates, Gross Domestic Product (GDP), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Expense to Operating Income (OEOI). The data analysis method used is panel data regression with e-views software version 12. The results of this study show that interest rate, GDP, and OEOI variables partially have a significant effect on the profitability of Sharia Commercial Banks, while inflation, NPF, and FDR variables partially do not have a significant effect on the profitability of Sharia Commercial Banks in Indonesia in 2017-2021. Meanwhile, based on the results of simultaneous tests, it was found that the variables of inflation, interest rates, GDP, NPF, FDR, and OEOI had a significant effect on the profitability of Sharia Commercial Banking 2017-2021.
PROFITABILITY DRIVERS IN INDONESIAN ISLAMIC AND CONVENTIONAL BANKS: MACROECOOMIC AND MICROECONOMIC PERSPECTIVE Himma, Nurrosyida Latifa; Atmanti, Hastarini Dwi
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i1.32107

Abstract

This study investigates the impact of macroeconomic variables, namely inflation, gross domestic product (GDP), and the Bank Indonesia interest rate (BI-rate), alongside microeconomic indicators such as non-performing loans (NPL), loan-to-deposit ratio (LDR), non-performing financing (NPF), financing-to-deposit ratio (FDR), and operating expenses to operating income (OEOI) on the profitability of both conventional and Islamic banks in Indonesia over the period 2017–2023. Employing a purposive sampling technique, 7 Islamic banks and 7 conventional banks were selected from a population of 13 Islamic and 92 conventional banks, based on the criteria of complete financial disclosures and consistent financial performance. Panel data regression analysis reveals that, for conventional banks, inflation exerts a statistically significant negative influence on return on assets (ROA), whereas GDP, the BI-rate, and LDR exhibit significant positive effects. Conversely, NPL and OEOI negatively affect profitability. In the case of Islamic banks, inflation, NPF, and FDR demonstrate significant adverse impacts on ROA, while GDP, the BI-rate, and OEOI contribute positively. These findings emphasize the divergent financial structures and sensitivities of conventional and Islamic banks in response to macroeconomic and microeconomic dynamics. The study offers strategic insights for bank management and regulatory authorities to enhance policy frameworks, with particular emphasis on risk mitigation and digital adaptation, thereby fostering sustained profitability and competitiveness in Indonesia’s banking sector.
A VECM Study on Impact of Electricity Consumption in ASEAN Susilowati, Indah; Sawo, Tirsa Erfani Pujiastuti; Himma, Nurrosyida Latifa; Sholikhah, Anna Uswatun
JEJAK Vol. 18 No. 1 (2025): March 2025
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v18i1.8043

Abstract

The objective of this study is to identify the long-term and short-term relationships between electricity consumption and employment, human welfare, and information and communication technology. The study uses panel data from ASEAN countries, covering 2015 to 2022. The sample consists of 8 countries with complete data for each variable within the specified period. Based on the results of testing using the Vector Error Correction Model, in the long term, electricity consumption has a significant positive relationship with employment and human welfare, which is proxied by the Human Development Index and Happiness Index. On the other hand, the relationship between electricity consumption and information and communication technology (ICT), proxied by the number of mobile cellular subscriptions, shows a significant negative result. In the short term, electricity consumption does not affect employment, human welfare, or information and communication technology. These results indicate that electricity consumption does not directly impact the improvement of human welfare but influences income levels directly through increased production processes and consumption of goods and services.
Co-Authors Hastarini Dwi Atmanti Indah Susilowati Sawo, Tirsa Erfani Pujiastuti Sholikhah, Anna Uswatun Tiara Juliana Jaya