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
Destekleyen Kurum
Univeristas Mercu Buana
Teşekkür
Research Center of Universitas Mercu Buana
Kaynakça
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