Article Per Year (5 Year)
p-Index From 2020 - 2025
0.817
P-Index
This Author published in this journals
All Journal Unisia Journal of Islamic Economics Lariba
Hasan, Barham Bakr
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
Determinants of profitability in Indonesian Islamic banks: Financial and macroeconomic insights Nisa', Khilyatun; Andriansyah, Yuli; Hasan, Barham Bakr
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art14

Abstract

IntroductionProfitability is a crucial indicator of financial sustainability and competitiveness in the banking industry. For Islamic banks, profitability is influenced by both internal financial management and external macroeconomic factors, shaped by their adherence to Sharia principles. Indonesian Islamic banks operate in a dynamic financial environment that presents unique challenges and opportunities for sustaining profitability.ObjectivesThis study examines the determinants of profitability in Indonesian Islamic banks, focusing on the effects of internal financial ratios—Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and operating efficiency (BOPO)—as well as external factors such as interest rates and inflation.MethodA quantitative approach was employed, analyzing secondary data from 12 Islamic banks in Indonesia over the 2014–2018 period. Multiple regression analysis was used to evaluate the relationships between these variables and profitability, measured by Return on Assets (ROA). Diagnostic tests ensured the robustness and validity of the statistical model.ResultsThe findings reveal that FDR positively influences profitability, while NPF and BOPO have significant negative effects. CAR and inflation show no significant impact, and interest rates indirectly affect profitability despite the interest-free nature of Islamic banking. These results highlight the interplay of internal management practices and macroeconomic factors in shaping financial performance.ImplicationsThis study emphasizes the need for Islamic banks to enhance credit risk management, optimize operational efficiency, and adapt to macroeconomic conditions to sustain profitability. The findings provide actionable insights for policymakers, regulators, and practitioners aiming to strengthen the financial sustainability of Islamic banking in Indonesia.Originality/NoveltyThis research integrates internal and macroeconomic determinants to offer a comprehensive analysis of profitability in Indonesian Islamic banks. By bridging gaps in the literature, it contributes to the development of strategies for financial performance optimization in Sharia-compliant banking.
Macroeconomic Impacts on Islamic Bank Profitability: Evidence from Indonesia’s Dual Banking System Sandhyapranita, Intan; Andriansyah, Yuli; Hasan, Barham Bakr
Unisia Vol. 42 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol42.iss2.art29

Abstract

This study examines the impact of GDP growth, inflation, and the BI rate on the profitability of Islamic banks in Indonesia, measured through Return on Assets (ROA) and Return on Equity (ROE). With the growing importance of Islamic banking in supporting sustainable economic development, understanding how macroeconomic variables influence its profitability is essential. The research aims to identify the individual and collective effects of these variables, contributing to the strategic adaptation of Islamic banks within Indonesia’s dual banking system. A quantitative approach was employed, utilizing secondary data from publicly available financial reports of Islamic banks and macroeconomic statistics from 2007 to 2017. Multiple regression analysis was applied to assess the relationships between macroeconomic variables (GDP growth, inflation, BI rate) and profitability indicators (ROA and ROE), supported by diagnostic tests to ensure statistical reliability. The findings reveal that GDP growth significantly enhances profitability by fostering economic expansion, increased savings, and greater demand for Sharia-compliant financial services. Inflation exhibits a dual impact: moderate inflation improves profitability through higher nominal returns, while high inflation negatively affects performance due to rising costs. The BI rate negatively influences profitability, as higher rates drive deposit shifts to conventional banks. Collectively, these variables demonstrate a complex interplay, with GDP growth emerging as the most critical factor. The study highlights the resilience of Islamic banks during economic fluctuations and underscores their alignment with sustainable development principles. These findings have practical implications for policymakers and practitioners, emphasizing the need for balanced economic policies and adaptive strategies to enhance the profitability and competitiveness of Islamic banks.
Monetary Policy as a Driver of Credit Expansion and Deposit Mobilization in Banks: Case Study in Iraqi Commercial Banks Hasan, Barham Bakr; Vladimirovich, Girinsky Andrey; Mahmud, Mahmud Hedi Khalid
Unisia Vol. 43 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol43.iss1.art3

Abstract

This study explores how monetary policy influences credit growth and deposit mobilization in Iraqi commercial banks. It looks at how central banks use tools like interest rates, reserve requirements, and open market operations to control credit availability and attract deposits. In Iraq’s developing economy, where oil plays a key role, these policies are especially important. However, the banking sector in Iraq faces several challenges, including vulnerability to external factors and the presence of informal financial systems. This research aims to provide a clear understanding of how monetary policy has functioned over time and how it could contribute to greater economic stability and growth. The findings suggest that while monetary policy can have a strong impact on credit and deposit activity, its full potential is often limited by weaknesses in the banking system.
The Impact of Monetary Policy Instruments on Financial Stability: A Case Study of Iraqi Commercial Banks Hasan, Barham Bakr; Vladimirovich, Girinsky Andrey; Mahmud, Mahmud Hedi Khalid
Unisia Vol. 43 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol43.iss1.art4

Abstract

Since Iraqi commercial banks are so imperative to the country's economy, this consider looks at how money related approach instruments influence their capacity to preserve money related soundness. We utilize mixed-methods examination, combining subjective points of view from bank directors and policymakers with quantitative information from imperative money related measurements like resource quality, capital ampleness, and liquidity proportions. Based on their loaning capabilities and chance administration approaches, the comes about appear that save necessities and intrigued rate changes have a major effect on bank solidness. It too draws consideration to the specific troubles Iraqi banks have, like expansion and political unusualness that disturb the effect of financial arrangement. This investigates endeavors to move forward the proficiency of financial approach in advancing monetary steadiness in Iraq's keeping money industry by giving suggestions for policymakers.
Co-Authors Mahmud, Mahmud Hedi Khalid Nisa', Khilyatun Sandhyapranita, Intan Vladimirovich, Girinsky Andrey Yuli Andriansyah