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All Journal Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Intelek Dan Cendikiawan Nusantara
Wulan Ramadani Trisnaudy
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Economics, Econometrics & Finance Other

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Pengaruh Good Corporate Governance, Capital Asequasy Ratio, Dan Efisiensi Operasional Terhadap Kinerja Keuangan Bank Umum Syariah Di Indonesia Agnes Kurnia; Wulan Ramadani Trisnaudy; Yudhistira Ardana; Any Eliza
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.3833

Abstract

This research investigates how Good Corporate Governance (GCG), the Capital Adequacy Ratio (CAR), and Operational Efficiency (BOPO) influence financial performance measured by Return on Assets (ROA) of Islamic Commercial Banks in Indonesia from 2020 to 2023. Employing a Fixed Effect panel data regression in EViews 12, the study draws upon a purposively sampled set of banks with complete financial disclosures during the period. Prior to estimation, Chow and Hausman tests determined the appropriate model, and diagnostic checks confirmed that residuals met normality, multicollinearity, and heteroscedasticity assumptions. Results reveal that both GCG (p = 0.0315) and CAR (p = 0.0260) positively and significantly affect ROA, whereas BOPO exerts a negative, significant impact (p = 0.0002). An Adjusted R² of 0.3484 suggests that these three variables account for 34.84% of ROA’s variability. Findings align with stakeholder, signaling, and efficiency theories in Islamic banking and corroborate earlier empirical work. Practically, the study underscores the importance of robust governance, adequate capitalization, and cost control to bolster bank profitability. Future research may incorporate macroeconomic indicators or adopt dynamic panel techniques to deepen insights into financial performance drivers.
INOVASI STRATEGI PEMASARAN BANK SYARIAH DALAM MEMANFAATKAN TEKNOLOGI DIGITAL UNTUK MENINGKATKAN AKSES DAN KETERLIBATAN NASABAH Wulan Ramadani Trisnaudy; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

This research explores the innovative marketing strategies implemented by Islamic banksin utilizing digital technology to increase customer access and engagement. In a digitalera characterized by high usage of mobile devices and social media, Islamic banks needto adapt to remain competitive. Through a qualitative approach with a literature studymethod, this research analyzes various relevant sources, including journal articles,industry reports, and policy documents, to identify best practices in the implementationof digital marketing strategies. The results show that the use of mobile applications andsocial media platforms effectively increase customer awareness of Islamic products andfacilitate better interaction between banks and customers. In addition, relevanteducational content, which emphasizes sharia values, is able to attract and buildcustomer loyalty. This study recommends that Islamic banks continue to innovate theirdigital marketing strategies to expand service access and enhance customer engagementin the digital era.
PERAN RASIO LIKUIDITAS TERHADAP EFISIENSI DAN EFEKTIVITAS OPERASIONAL BANK SYARIAH DAN BANK KONVENSIONAL Wulan Ramadani Trisnaudy; Ersi Sisdianto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 6 (2024): Desember 2024 - Januari 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Liquidity ratios play a strategic role in assessing the efficiency and effectiveness of bank operations, both in Islamic and conventional banks. This article highlights the importance of liquidity ratios as key indicators in liquidity management, emphasizing the different approaches of the two types of banks. Islamic banks rely on sharia principles that avoid interest and emphasize profit-sharing system, while conventional banks utilize the flexibility of interest-based instruments. Islamic banks show better liquidity stability despite being less flexible, while conventional banks are more adaptive but risk facing high costs. The study also highlights the unique challenges faced by Islamic banks, including the limitations of Shariah-based instruments, which may hinder liquidity efficiency. However, the risk-sharing system provides an advantage in maintaining fund stability. In contrast, conventional banks have the advantage of access to a wide range of money market instruments, which allows for faster response to market changes but at the consequence of higher operational costs. The analysis shows that innovation in liquidity management can be a solution to integrate the advantages of each system. This approach allows Islamic banks to improve competitiveness without compromising on sharia principles. By understanding these differences and opportunities, both types of banks are expected to contribute to overall financial stability. The findings provide new insights into how optimal liquidity ratio management can support sustainable growth in the banking sector.
Co-Authors Agnes Kurnia Any Eliza Ersi Sisdianto Is Susanto Muhammad Iqbal Fasa Yudhistira Ardana