Islamic bank performance: Does low-cost fund and labor cost affect it? (Empirical cases in Bank Syariah Mandiri-Indonesia)

Ahmad Badawi; Lucky Nugroho; Nurul Hidayah

TR EN

Islamic bank performance: Does low-cost fund and labor cost affect it? (Empirical cases in Bank Syariah Mandiri-Indonesia)

Öz

During the Covid-19 Pandemic, all sectors, including banking, were affected. The impact that occurs in the banking sector, including Islamic banking, is excess liquidity. However, Bank Syariah Mandiri (BSM), as a sharia bank with the largest market share in the Indonesian Islamic banking industry, maintained its performance during the Covid-19 Pandemic. Therefore, this research aims to analyze the factors that affect the Return on Assets (ROA) based on the aspects of low-cost funds (CASA) and the ratio of labor costs (BTK) in BSM. The method in this research is quantitative, using multiple regression. The years of observation in this study were from 2018 to 2020. The regression test results were that BTK had a negative and significant effect on ROA while CASA had an insignificant effect on ROA. Based on these results, it is known that although the CASA funds from BSM are pretty good, BSM has not been able to optimally distribute these funds to the community due to the current Covid-19 Pandemic. Also, BSM's good performance is contributed by employee productivity and employee competence.

Anahtar Kelimeler

Islamic Bank , Low-Cost Fund , Labor Cost , Return on Asset

Islamic bank performance: Does low-cost fund and labor cost affect it? (Empirical cases in Bank Syariah Mandiri-Indonesia)

Abstract

During the Covid-19 Pandemic, all sectors, including banking, were affected. The impact that occurs in the banking sector, including Islamic banking, is excess liquidity. However, Bank Syariah Mandiri (BSM), as a sharia bank with the largest market share in the Indonesian Islamic banking industry, maintained its performance during the Covid-19 Pandemic. Therefore, this research aims to analyze the factors that affect the Return on Assets (ROA) based on the aspects of low-cost funds (CASA) and the ratio of labor costs (BTK) in BSM. The method in this research is quantitative, using multiple regression. The years of observation in this study were from 2018 to 2020. The regression test results were that BTK had a negative and significant effect on ROA while CASA had an insignificant effect on ROA. Based on these results, it is known that although the CASA funds from BSM are pretty good, BSM has not been able to optimally distribute these funds to the community due to the current Covid-19 Pandemic. Also, BSM's good performance is contributed by employee productivity and employee competence.

Keywords

Islamic Bank , Low-Cost Fund , Labor Cost , Return on Asset

Kaynakça

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Ayrıntılar

Birincil Dil

İngilizce

Konular

Ekonomi , Kamu Yönetimi , İşletme

Bölüm

Araştırma Makalesi

Yazarlar

Ahmad Badawi
0000-0002-9174-8000
Indonesia

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

Nurul Hidayah
0000-0002-0680-5681
Indonesia

Yayımlanma Tarihi

26 Aralık 2021

Gönderilme Tarihi

16 Haziran 2021

Kabul Tarihi

20 Ekim 2021

Yayımlandığı Sayı

Yıl 1970 Cilt: 4 Sayı: 2

IZ

https://izlik.org/JA86SE88TP

APA

Badawi, A., Nugroho, L., & Hidayah, N. (2021). Islamic bank performance: Does low-cost fund and labor cost affect it? (Empirical cases in Bank Syariah Mandiri-Indonesia). Business Economics and Management Research Journal, 4(2), 81-92. https://izlik.org/JA86SE88TP

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Islamic bank performance: Does low-cost fund and labor cost affect it? (Empirical cases in Bank Syariah Mandiri-Indonesia)

Islamic bank performance: Does low-cost fund and labor cost affect it? (Empirical cases in Bank Syariah Mandiri-Indonesia)

Öz

Anahtar Kelimeler

Islamic bank performance: Does low-cost fund and labor cost affect it? (Empirical cases in Bank Syariah Mandiri-Indonesia)

Abstract

Keywords

Kaynakça

Ayrıntılar

Birincil Dil

Konular

Bölüm

Yazarlar

Yayımlanma Tarihi

Gönderilme Tarihi

Kabul Tarihi

Yayımlandığı Sayı

IZ

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