Intermediary strategy impact to return on asset in covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases)

Lucky Nugroho; Erik Nugraha; Ahmad Badawi

TR EN

Aracılık stratejisinin covid-19 pandemilerinde varlık getirisine etkisi: İslami bankaya karşı konvansiyonel banka (Endonezya ampirik örnekleri)

Abstract

Bu çalışma, Covid-19 salgını sırasında hem İslami hem de geleneksel bankaların bankacılık sektöründeki fon yaratma ve fon dağıtım stratejilerinin performans üzerindeki etkisini analiz etmeyi amaçlamaktadır. Bu nedenle, bu çalışmada kullanılan değişkenler, fon yaratma stratejisini belirleyen bağımsız değişkenler olarak İslami bankalardaki Paylaşım Maliyeti Oranı (CoSR) ve geleneksel bankalardaki Fon Maliyeti (CoF)'dir. Ayrıca, fon dağıtım stratejisi için bağımsız değişkenler İslami bankalarda Finansman Mevduat Oranı (FDR) ve konvansiyonel bankalarda Kredi Mevduat Oranı (LDR)'dir. Bu çalışmada bağımlı değişken Varlık Getirisidir (ROA). Kullanılan yöntem, çoklu regresyon analizi istatistiklerini kullanan nicel bir yöntemdir. Bu çalışmanın sonuçları, İslami bankalarda CoSR'nin ve geleneksel bankalarda CoF'nin ROA üzerinde olumsuz ve anlamlı bir etkiye sahip olduğu bilinmektedir. Ayrıca, İslami bankalar üzerindeki FDR, İslami bankaların ROA'sını etkilemez, ancak geleneksel bankaların LDR'si ROA üzerinde olumlu ve anlamlı bir etkiye sahiptir. Bu çalışma, optimal performansa (ROA) ulaşmak için fon yaratma ve fon dağıtım stratejileri arasında ideal bir strateji kombinasyonunun gerekli olduğunu ima etmektedir.

Keywords

Paylaşım Maliyeti Oranı, Fon Maliyeti, Finansman Mevduat Oranı, Kredi / Mevduat Oranı, Aktif Getirisi

Intermediary strategy impact to return on asset in covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases)

Abstract

This study aims to analyze the influence of fundraising and fund distribution strategies in the banking industry, both Islamic and conventional banks during the Covid-19 pandemic, on performance. Therefore, the variables used in this study are the Cost of Sharing Ratio (CoSR) in Islamic banks and the Cost of Fund (CoF) in conventional banks as independent variables determining fundraising strategy. Furthermore, the independent variables for the fund distribution strategy are the Financing to Deposit Ratio (FDR) in Islamic banks and the Loan to Deposit Ratio (LDR) in conventional banks. The dependent variable in this study is Return on Asset (ROA). The method used is a quantitative method using multiple regression analysis statistics. The results of this study are known that CoSR in Islamic banks and CoF in conventional banks have a negative and significant effect on ROA. Furthermore, FDR on Islamic banks does not affect the ROA of Islamic banks, but the LDR of conventional banks has a positive and significant effect on ROA. This study implies that to achieve optimal performance (ROA), an ideal combination of strategies is needed between the fundraising and fund distribution strategies.

Keywords

Cost of Sharing Ratio, Cost of Fund, Financing to Deposit Ratio, Loan to Deposit Ratio, Return on Asset

Supporting Institution

Universitas Mercu Buana

Project Number

02-5/969/B-SPK/III/2022

Thanks

Pusat Penelitian Universitas Mercu Buana

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Details

Primary Language

English

Subjects

Business Administration

Journal Section

Research Article

Authors

Lucky Nugroho ^*
0000-0002-9613-1667
Indonesia

Erik Nugraha
0000-0002-0576-4662
Indonesia

Ahmad Badawi
0000-0002-9174-8000
Indonesia

Publication Date

November 9, 2022

Submission Date

August 1, 2022

Acceptance Date

September 28, 2022

Published in Issue

Year 2022 Volume: 5 Number: 3

IZ

https://izlik.org/JA94CE58ZB

APA

Nugroho, L., Nugraha, E., & Badawi, A. (2022). Intermediary strategy impact to return on asset in covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases). Business Economics and Management Research Journal, 5(3), 157-168. https://izlik.org/JA94CE58ZB

AMA

1.Nugroho L, Nugraha E, Badawi A. Intermediary strategy impact to return on asset in covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases). BEMAREJ. 2022;5(3):157-168. https://izlik.org/JA94CE58ZB

Chicago

Nugroho, Lucky, Erik Nugraha, and Ahmad Badawi. 2022. “Intermediary Strategy Impact to Return on Asset in Covid-19 Pandemics: Islamic Bank Vs Conventional Bank (Indonesia Empirical Cases)”. Business Economics and Management Research Journal 5 (3): 157-68. https://izlik.org/JA94CE58ZB.

EndNote

Nugroho L, Nugraha E, Badawi A (November 1, 2022) Intermediary strategy impact to return on asset in covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases). Business Economics and Management Research Journal 5 3 157–168.

IEEE

[1]L. Nugroho, E. Nugraha, and A. Badawi, “Intermediary strategy impact to return on asset in covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases)”, BEMAREJ, vol. 5, no. 3, pp. 157–168, Nov. 2022, [Online]. Available: https://izlik.org/JA94CE58ZB

ISNAD

Nugroho, Lucky - Nugraha, Erik - Badawi, Ahmad. “Intermediary Strategy Impact to Return on Asset in Covid-19 Pandemics: Islamic Bank Vs Conventional Bank (Indonesia Empirical Cases)”. Business Economics and Management Research Journal 5/3 (November 1, 2022): 157-168. https://izlik.org/JA94CE58ZB.

JAMA

1.Nugroho L, Nugraha E, Badawi A. Intermediary strategy impact to return on asset in covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases). BEMAREJ. 2022;5:157–168.

MLA

Nugroho, Lucky, et al. “Intermediary Strategy Impact to Return on Asset in Covid-19 Pandemics: Islamic Bank Vs Conventional Bank (Indonesia Empirical Cases)”. Business Economics and Management Research Journal, vol. 5, no. 3, Nov. 2022, pp. 157-68, https://izlik.org/JA94CE58ZB.

Vancouver

1.Lucky Nugroho, Erik Nugraha, Ahmad Badawi. Intermediary strategy impact to return on asset in covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases). BEMAREJ [Internet]. 2022 Nov. 1;5(3):157-68. Available from: https://izlik.org/JA94CE58ZB

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Intermediary strategy impact to return on asset in covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases)

Aracılık stratejisinin covid-19 pandemilerinde varlık getirisine etkisi: İslami bankaya karşı konvansiyonel banka (Endonezya ampirik örnekleri)

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Intermediary strategy impact to return on asset in covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases)

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