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)

Öz

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.

Anahtar Kelimeler

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

Kaynakça

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Ayrıntılar

Birincil Dil

İngilizce

Konular

İşletme

Bölüm

Araştırma Makalesi

Yazarlar

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

Erik Nugraha
0000-0002-0576-4662
Indonesia

Ahmad Badawi
0000-0002-9174-8000
Indonesia

Yayımlanma Tarihi

9 Kasım 2022

Gönderilme Tarihi

1 Ağustos 2022

Kabul Tarihi

28 Eylül 2022

Yayımlandığı Sayı

Yıl 2022 Cilt: 5 Sayı: 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

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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)

Öz

Anahtar Kelimeler

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

Abstract

Keywords

Kaynakça

Ayrıntılar

Birincil Dil

Konular

Bölüm

Yazarlar

Yayımlanma Tarihi

Gönderilme Tarihi

Kabul Tarihi

Yayımlandığı Sayı

IZ

Kaynak Göster

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