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The Impact of Capital Adequacy, Financing Risk, and Profitability on the Market Share of Islamic Banks in Indonesia Murtadho, Taufiq Ridwan; Ponirah, Ade; Hidayat, Nendi Nur; Sakinah, Gina
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15803

Abstract

This study aims to analyze the effect of the Capital Adequacy Ratio, Net Non-Performing Financing, and Return on Assets on the market share of Islamic Commercial Banks in Indonesia. Market share is measured as the percentage of Islamic Commercial Banks assets relative to total national banking assets. The study employs a quantitative approach using multiple linear regression analysis with quarterly aggregate data of Islamic Commercial Banks from Q1 2010 to Q4 2024. Data were obtained from the Islamic Banking Statistics published by the Financial Services Authority. The results reveal that Capital Adequacy Ratio and Net Non-Performing Financing significantly influence market share, while Return on Assets does not. Simultaneously, the three variables significantly affect market share with a coefficient of determination of 70.4%. These findings highlight that capital adequacy and financing quality are the primary factors driving the competitiveness of BUS, while profitability Return on Assets does not have a direct impact on market share expansion
PENGARUH CITRA MEREK (BRAND IMAGE) DAN DESAIN PRODUK (DESIGN PRODUCT) TERHADAP LOYALITAS KONSUMEN (CUSTOMER LOYALTY) PENGGUNA PRODUK TAS EIGER DI KALANGAN FOLLOWERS INSTAGRAM EIGER Aziz, Muhammad Bilal Abdul; Hidayat, Nendi Nur
SECAD Vol 3 No 1 (2023): JURNAL SECAD
Publisher : SECAD

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Abstract

Penelitian ini bertujuan untuk menganalisis Pengaruh Citra Merek (Brand Image) dan Desain Produk (Design Product) terhadap Loyalitas Konsumen (Customer Loyalty)Pengguna Produk Tas Eiger di Kalangan Followers Instagram Eiger. Pendekatan penelitian yang digunakan dalam penelitian ini menggunakan pendekatan kuantitatif. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian asosiatif (hubungan) dengan menggunakan metode analisis kuantitatif (data berbentuk angka). Jumlah populasi pada penelitian ini adalah 1.500.000 followersinstagram Eiger. Berdasarkan perhitungan di atas, sampel yang di uji pada penelitian adalah 100 sampel. Sumber data yang digunakan dalam penelitian ini adalah data primer dan sekunder. Pengujian data menggunakan aplikasi SPSS mulai dari uji asumsi klasik dan uji regresi linear berganda. Hasil penelitian menunjukkan citra merek berpengaruh terhadap loyalitas konsumen. Desain produk pengaruh terhadap loyalitas kosnumen. Secara simultan citra merek dan desain bersama-sama mempengaruhi loyalitas konsumen.