Determinants of Islamic Banking Performance: An Empirical Study in Indonesia

Taufikur Rahman · Aprih Santoso

10 citations0/0 files storedMUQTASID Jurnal Ekonomi dan Perbankan Syariah

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Islamic Finance and Banking Studies Banking stability, regulation, efficiency Banking Sector Performance and Management

Abstract

AbstractThis study aimed to examine the effects of Capital Adequacy Ratio (CAR) and Good Corporate Governance (GCG) on Return On Asset (ROA) with Non-Performing Financing (NPF) as a moderating variable. The sample used in this study is 14 Islamic commercial banks listed on Bank Indonesia from 2014-2018. The sampling technique used in this research is purposive sampling with the type of data used in this research is panel data. To analyze the data, the researchers use a statistical test that includes classical assumption test, t-test, F-test, the coefficient of determination (R2), and Moderated Regression Analysis (MRA). The process of data analysis is using a means of IBM SPSS Statistics 23. The results of this study show that CAR has a negative and significant effect on ROA, and GCG does not have a substantial impact on ROA. This study indicates that NPF is unable to moderate the effect of CAR on ROA. However, NPF is significantly able to moderate the effect of GCG on ROAAbstrakPenelitian ini bertujuan untuk menguji pengaruh rasio kecukupan modal (CAR) dan tata kelola perusahaan yang baik (GCG) terhadap pengembalian asset (ROA) dengan pembiayaan bermasalah (NPF) sebagai variabel moderasi. Sampel yang digunakan dalam penelitian ini adalah 14 bank syariah yang terdaftar di Bank Indonesia periode 2014-2018. Teknik pengambilan sampel dalam penelitian ini adalah teknik purposive sampling dengan data yang digunakan adalah data panel. Teknik analisis yang digunakan adalah uji statistik meliputi uji asumsi klasik, uji t test, F-test, koefisien determinasi (R2), dan Moderated Regression Analysis (MRA). Pengolahan data dalam penelitian ini menggunakan alat bantu IBM SPSS Statistics 23. Hasil penelitian ini menunjukkan bahwa CAR berpengaruh negatif dan signifikan terhadap ROA dan GCG tidak berpengaruh secara signifikan terhadap ROA. Penelitian ini juga menunjukkan bahwa NPF tidak mampu memoderasi pengaruh CAR terhadap ROA. Namun, NPF secara signifikan mampu memoderasi pengaruh GCG terhadap ROA.

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References

2001Manajemen Keuangan : Teori dan Aplikasi 2013Manajemen keuangan: teori konsep dan aplikasi 2010Do Stock Investors Value Corporate Sustainability? Evidence from an Event Study 2003Banking Assets and Liability Management 2013ANALISIS PENGARUH SUKU BUNGA, INFLASI, CAR, BOPO, NPF TERHADAP PROFITABILITAS BANK SYARIAH 2018PENGARUH CAR,NPF DAN FDR TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA 2006Banking Assets and Liability Management 2016Pengaruh Ratio-Ratio Keuangan CAR, LDR, NIM, BOPO, NPL Terhadap ROA

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