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All Journal Perbanas Journal of Islamic Economics and Business Jurnal Masyarakat Madani Indonesia
Sari Pohan, Erlina
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Public Health Social Sciences

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Determinants of Profitability in Indonesian Islamic Banks: A Study on Financing to Deposit Ratio Wahyudi, Tri; Sari Pohan, Erlina
Perbanas Journal of Islamic Economics and Business Vol 4 No 2 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i2.254

Abstract

This study investigates the impact of the Financing to Deposit Ratio on the profitability of Islamic commercial banks in Indonesia, with a specific focus on Return on Assets as the profitability metric. Despite the significant growth of Islamic banking in Indonesia, the challenge of maintaining profitability remains critical. This study uses a population of all Islamic commercial banks operating in Indonesia from 2015 to 2019, with eightbanks selected through a purposive sampling method. The analysis involved classical assumption tests including normality, multicollinearity, autocorrelation, and heteroskedasticity tests, followed by regression analysis. The results indicate that Financing to Deposit Ratio does not have a statistically significant effect on Return on Assets. These findings challenge the assumption that Financing to Deposit Ratio is a primary determinant of profitability in Islamic banks and suggest that other factors and financial indicators must be considered. The study underscores the importance of comprehensive financial management strategies and robust risk management practices. It also highlights the relevance of agency and signaling theories in improving governance and financial performance. The findings provide valuable insights for bank managers and policymakers to enhance the financial health and sustainability of Islamic commercial banks in Indonesia. Further research should explore additional variables and more complex models to deepen the understanding of profitability determinants in Islamic banking.
Enhancing Village Information Transparency and Economic Empowerment Through Website Management Training in Bayah Barat Wahyudi, Tri; Sari Pohan, Erlina; Fitrianingsih, Dwi; Puspita, Gita
Jurnal Masyarakat Madani Indonesia Vol. 5 No. 2 (2026): Mei (In Progress)
Publisher : Alesha Media Digital

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59025/sx1y7456

Abstract

Strengthening public information openness at the village level is crucial to promote transparency, accountability, and community participation. However, the use of village websites in many areas, including Bayah Barat Village in Lebak Regency, is still limited to static information and has not yet developed as an interactive public service medium. This situation is exacerbated by the limited digital literacy of village officials and inadequate internet infrastructure. This community service activity uses a participatory-based training and mentoring model with a learning by doing method. The stages of the activity include initiation, planning, technical training, mentoring, and post-training evaluation. The results show a significant increase in digital literacy among village officials, with the average skill score rising from 52% to 81%. The previously static village website now features activity news, financial reports, and promotion of local SMEs. Post-training evaluation also indicates an increase in public access to information and participation in village deliberations. Although internet infrastructure remains a barrier, this activity successfully demonstrated that a learning by doing approach with continuous evaluation can strengthen the capacity to manage village websites as a tool for public information openness and local economic empowerment.
Co-Authors Fitrianingsih, Dwi Puspita, Gita Tri Wahyudi Tri Wahyudi Wahyudi