Do stability and size affect the profitability of Islamic rural bank in Indonesia?

H. Sudarsono, Fiqih Afriadi, Siti Aisiyah Suciningtias
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引用次数: 3

Abstract

Purpose – This study aims to analyze the effect of stability, size, financial performance and macroeconomic variables on the profitability of Islamic Rural Banks (BPRS) in Indonesia. Methodology – This study uses panel data consisting of 82 BPRS from December 2012 to December 2018. This study uses a dynamic model using GMM (General Method of Moments) developed by Arellano & Bover (1995) and Blundell & Bond (1998). GMM is used to describe the actual conditions in the analysis of profitability of Islamic Rural Banks. Findings – The findings of this study indicate that the stability and size of the BPRS have a negative effect on the level of ROA and ROE. Further, BAC has a positive effect on ROA but it has a negative effect on ROE. While the deposit structure (DS) is found to have a positive effect on ROA and ROE, FDRand the total deposit (DAR) is found to have a positive effect on both ROA and ROE. Meanwhile, the capital structure does not show a significant value on ROA. On the other hand, economic growth (GDP) and inflation (INF) do not show a significant relationship to ROA, but inflation is positively related to ROE. Originality – This study is to determine the effect of the stability and the size of BPRS on its profitability. This study uses 6 models to obtain a consistent variation of variables in influencing profitability.
印尼伊斯兰农村银行的稳定性和规模会影响其盈利能力吗?
目的——本研究旨在分析稳定性、规模、财务业绩和宏观经济变量对印度尼西亚伊斯兰农村银行(BPRS)盈利能力的影响。方法——本研究使用了2012年12月至2018年12月的82个BPRS组成的面板数据。本研究使用了Arellano&Bover(1995)和Blundell&Bond(1998)开发的GMM(矩的通用方法)动态模型。GMM用于描述伊斯兰农村银行盈利能力分析中的实际情况。研究结果——本研究的结果表明,业务流程再造的稳定性和规模对ROA和ROE水平有负面影响。此外,BAC对ROA有积极影响,但对ROE有负面影响。虽然矿床结构(DS)对ROA和ROE有积极影响,但FDR和总矿床(DAR)对ROA和ROE都有积极影响。同时,资本结构对ROA的影响并不显著。另一方面,经济增长(GDP)和通货膨胀(INF)与ROA没有显著关系,但通货膨胀与ROE呈正相关。独创性——本研究旨在确定BPRS的稳定性和规模对其盈利能力的影响。本研究使用6个模型来获得影响盈利能力的变量的一致变化。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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