CHABACHIB, Mochammad and WINDRIYA, Anafil and ROBIYANTO, Robiyanto and HERSUGONDO, Hersugondo (2019) A comparative study of Indonesian and Malaysian Islamic banks. Banks and Bank Systems, 14 (4). pp. 55-68.
PDF
BBS_2019_04_Chabachib.pdf - Published Version Download (542kB) |
Abstract
The aim of this study is to analyze the influence of the non-performing financing
(NPF), financing to deposit ratio (FDR), operational efficiency ratio (OER), and
firm size (SIZE) on return on assets (ROA). The object of the research is the Islamic
bank in Indonesia and the Islamic bank in Malaysia for the period of 2010–2015.
Another aim of this research is to determine if there are differences in the impact
of FDR, NPF, OER and firm size on ROA between the Islamic bank in Indonesia
and the Islamic bank in Malaysia. The findings show that not all studied independent
variables affect the ROA of the Indonesian Islamic Bank and the Malaysian
Islamic bank. OER has a negative and significant effect on the Indonesian Islamic
Bank’s ROA, while FDR and size have a positive and significant influence on the
Indonesian Islamic Bank’s ROA. In the Islamic bank of Malaysia, NPF affects ROA
positively, while OER affects ROA negatively. In the Indonesian Islamic bank, independent
variables that influence ROA are FDR, OER, and SIZE. In Malaysian
Islamic bank, only OER influences ROA significantly. Based on the Chow test, one
can conclude that there is a significant difference between the Indonesian Islamic
bank and the Malaysian Islamic bank. Regarding operational costs, banks should
pay more attention to validation of the costs to be incurred, so there is no need to
spend unnecessary costs.
Item Type: | Article |
---|---|
Additional Information: | financing to deposit ratio (FDR), non-performing financing (NPF), operational efficiency ratio (OER), return on assets (ROA), Islamic bank |
Uncontrolled Keywords: | financing to deposit ratio (FDR), non-performing financing (NPF), operational efficiency ratio (OER), return on assets (ROA), Islamic bank |
Subjects: | Undip Formal Documents |
Divisions: | Faculty of Economics and Business > Master Program in Management |
Depositing User: | FAKULTAS FEB |
Date Deposited: | 10 May 2020 06:03 |
Last Modified: | 10 May 2020 06:03 |
URI: | https://eprints2.undip.ac.id/id/eprint/2170 |
Actions (login required)
View Item |