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

Year 2022, Volume: 5 Issue: 3, 157 - 168, 09.11.2022

Lucky Nugroho , Erik Nugraha , Ahmad Badawi

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

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

Project Number

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

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