影响印尼银行盈利能力的内部因素评估:以双重银行体系为例

Roisatun Kasanah, Achmad Fadlil Abidillah, Sulistya Rusgianto
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引用次数: 1

摘要

目的-在不确定的经济条件下,保持公司的盈利能力是必不可少的。本研究旨在从资本、规模、资产质量、流动性风险等内部因素入手,分析和评估影响银行盈利能力的因素。本研究还观察了印度尼西亚伊斯兰银行和传统银行的影响,并通过ROA、ROE和NIM/NOM进行了全面的盈利分析。方法论-本研究中使用的方法是面板数据回归。所研究的数据来自印度尼西亚伊斯兰银行和传统银行的季度报告,为期五年,从2016年到2020年。调查结果-结果显示,印尼传统银行的盈利能力高于伊斯兰银行。传统银行的盈利能力受到股权水平、规模、CKPN和LDR的显著影响。另一方面,印尼伊斯兰银行的盈利能力普遍较低,但就个人业绩而言,其价值并不逊于传统银行。影响伊斯兰银行盈利能力的变量包括股本、CKPN和FDR。含义-印度尼西亚的银行必须改善其绩效,使资产规模的发展能够与产生的盈利水平保持一致,保持资产质量,以维持银行的健康,并具有比例股权和LDR/FDR价值。独创性-本研究采用ROA, ROE, NIM/NOM三种盈利比率,并分析了伊斯兰银行和传统银行,考虑到印度尼西亚有双重银行体系,因此进行的分析更加全面。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Assessing the internal factor affecting the bank profitability in Indonesia: Case of dual banking system
Purpose – In an uncertain economic condition, maintaining companies’ profitability is essential. This study aims to analyze and assess the factors that affect bank profitability by focusing on internal factors such as capital, size, asset quality, and liquidity risk. This study also observed the effect of Islamic and conventional banking in Indonesia with a comprehensive profitability analysis as measured by ROA, ROE, and NIM/NOM.Methodology – The method used in this research was panel data regression. The data studied were derived from the quarterly reports of Islamic and conventional banking in Indonesia for five years, from 2016 to 2020.Findings – The results showed that conventional banking in Indonesia had a higher level of profitability than Islamic banking. The profitability of conventional banks is significantly influenced by the level of equity, size, CKPN, and LDR. On the other hand, Islamic banking in Indonesia generally has a lower level of profitability, but in terms of individual performance, the value was not inferior to conventional banking. Variables that significantly influence the profitability of Islamic banking included equity, CKPN, and FDR.Implication – Banks in Indonesia must improve their performance so that the development of asset size can be in line with the level of profitability generated, maintain asset quality so that the health of the bank is maintained, and has proportional equity and LDR/FDR value.Originality – This research used three profitability ratios: ROA, ROE, and NIM/NOM, and analyzed Islamic and conventional banking, considering that Indonesia has a dual banking system, so the analysis carried out was more comprehensive.
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