Dominant Variables That Affect The Level of Profitability in Sharia Banks and Conventional Banks
Abstract
This study aims to analyze the dominant factors that affect profitability in the Sharia Commercial Bank and Conventional Bank Indonesia Year 2009-2014. The sample used in this study is 7 Sharia Commercial Banks and 10 Conventional Commercial Banks in Indonesia. The technic sample used in this study by purposive sampling method. This research uses panel data regression methods and estimation model used is a Random Effect Model. The result of research on sharia bank of internal factors concludes that BOPO variable has a significant influence on return on asset (ROA) and from external factors of BI Rate significant effect on return on asset (ROA). While conventional banks of internal factors conclude that BOPO and NPL variable have significant influence to return on asset (ROA) and from external factor conclude that BI Rate has a significant effect to return on asset ROA). In this research, BOPO variable has a more dominant influence on ROA than other variables.
Keywords
References
Christiano, M., Saerang, I., & Parengkuan, T. (2014). Analysis of Financial Ratios for Measuring Profitability at Private Banks Go Public in Indonesia Stock Exchange. (Online). Sam Ratulangi University Manado Faculty of Economics and Business Program S1, 2 (4), 817- 830. (http://ejournal.unsrat.ac.id/index.php/emba/article/viewFile/6490/6016, accessed March 8, 2015).
Eprima Dewi, L., Trisna Herawati, N. S., & Sulindawati, G. E. (2015). Analysis of the Influence of NIM, BOPO, LDR, and NPL on Profitability (Case Study at Private National Private Banks Listed on Indonesia Stock Exchange Period 2009-2013). (Online) Ganesha Education University Accounting Department Program S1, 3 (1). Http://ejournal.undiksha.ac.id/index.php/S1ak/article/viewFile/4752/3603. Accessed March 8, 2015).
Gitman, Laurence J & Zutter, Chad J. (2012). Principles of Managerial Finance (3rd ed.). Boston: Prentice Hall.
Hendrayanti, S., & Muharam, H. (2013). Influence Analysis of Internal and External Factors on Banking Profitability (Studies at Commercial Banks in Indonesia Period January 2003 - February 2012). (on line). Diponegoro University Faculty of Economics and Business Program S1, 2, 1-15. (Http://download.portalgaruda.org/article.php?article=121185&val=4727 accessed March 8, 2015).
Iqbal, Anjum. (2012). “Liquidity Risk Management: A Comparative Study Between Conventional and Islamic Bank of Pakistan”. Global Journal of Management and Business Research, Vol.12, No. 5, 54-64
Kasmir. (2007). Manajemen Perbankan. Jakarta: PT. RajaGrafindo Persada.
LPPS. (2013). Laporan Perkembangan Perbankan Syariah 2012, www.bi.go.id/id/publikasi/.../e62979903c40404095ba3c224baef8b3LPS_2013.pdf. 29 April 2013
Luciana Spica, Almilia & Anton Wahyu Utomo. (2006). Jurnal Ekonomi dan Bisnis ANTISIPASI Vol. 10(1) ,1-27
Purwoko, D., & Sudiyatno, B. (2013). Factors influencing bank performance (empirical study on banking industry in Indonesia stock exchange). University Stikubank Semarang, 20 (1), 25-39.
Wibowo, Edhi S & Syaichu, M. (2013). Influence Analysis of Interest Rate, Inflation, CAR, BOPO, NPF on Profitability of Sharia Bank. Diponegoro Journal Of Management, Vol.2 (.2), 1-10. (Http://ejournal-s1.undip.ac.id/index.php/djom/article/view/2651/2643, accessed March 11, 2015)
Widarjono, Agus. (2013). Econometrics Introduction and Its Application. Yogyakarta: UPP STIM YKPN.
DOI: http://dx.doi.org/10.26737/jtmb.v3i2.214
Refbacks
- There are currently no refbacks.
Published by:
Institute for Managing and Publishing of Scientific Journals STKIP Singkawang
JTMB (Jurnal Terapan Manajemen dan Bisnis)
e-ISSN : 2477-5282
p-ISSN : 2599-3127
Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Singkawang
Address : STKIP Singkawang, Jalan STKIP - Kelurahan Naram Singkawang, Kalimantan Barat, INDONESIA, 79251
No. Telp. : +62562 420 0344
No. Fax. : +62562 420 0584
Editor in Chief: [email protected] / [email protected] / Wa: +6282142072788
Support Contact: [email protected] / Wa: +6282142072788
Plagiarism Tools
JTMB Indexed by:
Jurnal Terapan Manajemen dan Bisnis is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.