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All Journal El Dinar Journal of Islamic Economic and Business Research
Junio, Wilson
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Religion Economics, Econometrics & Finance Other

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INTELLECTUAL CAPITAL EFFICIENCY AND MARKET STRUCTURE OF ISLAMIC COMMERCIAL BANKS IN INDONESIA Junio, Wilson; Kornitasari, Yenny
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 2 (2024): 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.v12i2.27444

Abstract

This study investigates the impact of Intellectual Capital on the market structure of Islamic commercial banks in Indonesia. Employing a quantitative approach, the research utilizes the Random Effect Model for panel data regression analysis, drawing on secondary data extracted from the annual reports of eight Islamic commercial banks in Indonesia. The findings reveal that Islamic banks in Indonesia predominantly operate within a monopolistic market structure. Among the dimensions of Intellectual Capital, Human Capital Efficiency (HCE) emerges as the sole factor exerting a positive and significant influence on market structure, significantly enhancing the value creation process within Islamic banking. In contrast, Structural Capital Efficiency (SCE), Capital Employed Efficiency (CEE), and Relational Capital Efficiency (RCE) exhibit no discernible individual effects. These results underscore the necessity for regulators to delve deeper into market dynamics to foster a more competitive environment for Islamic banks. Furthermore, the findings advocate for regulatory support to facilitate the consolidation of Islamic banks, thereby enhancing Intellectual Capital efficiency. Such measures would enable Islamic banks to evolve into more efficient financial institutions, ultimately delivering greater societal benefits.
Intellectual Capital Efficiency and Sharia Banking Performance in Indonesia: Insights from 2015 to 2022 Duyufur Rohman, Ghifary; Junio, Wilson
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.298

Abstract

This study aims to analyze the influence of Intellectual Capital on the performance of Islamic commercial banks in Indonesia from 2015-2022. The research used a quantitative method with the Fixed Effect Model regression with secondary data obtained from the annual reports published by 9 Islamic commercial banks. The analysis results revealed that Intellectual Capital variables with VAHU, STVA, & and VACA and Financial Risk represented by NPF collectively exerted a significant impact on the performance of Islamic banks in Indonesia. However, partially, only VAHU indicators showed a significant positive effect on ROA. Conversely, VACA and NPF variables exhibited a significant negative influence on ROA, while STVA variables did not significantly affect ROA. The findings suggest a guide for Islamic banks to prioritize their investment in VAHU because of its significant contribution to profitability. In addition, Islamic banks need to increase investment in banking technology and R&D to improve the quality of service to customers. Also, implementing Current Accounts & Saving Accounts strategies to optimize Islamic bank assets and deliver optimal returns. Then, Islamic banks must address factors that affect the NPF rate, such as carefully selecting financing portfolios.
Co-Authors Duyufur Rohman, Ghifary Yenny Kornitasari, Yenny