Determinants of Islamic performance ratio in Islamic banks with return on assets as moderating factor

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dc.contributor.authorNugroho, Lucky
dc.contributor.authorMaryanti, Tatik
dc.contributor.authorIsmal, Rifki
dc.contributor.authorMahfudz, Akhmad Affandi
dc.date.accessioned2022-12-20T09:34:32Z
dc.date.available2022-12-20T09:34:32Z
dc.date.issued2022en_US
dc.departmentİstanbul Ticaret Üniversitesien_US
dc.description.abstractThe plan of the Indonesian government that wants to make Indonesia the center of the world's Islamic economy and finance must be supported by all stakeholders. Therefore, as one of the vital elements in the Islamic financial ecosystem, Islamic banks need to have an excellent performance to increase the trust of the national and international community. In addition, Islamic banks with different operational principles from conventional banks should have different performance measurements compared to performance measurements from conventional banks. The purpose of this study is to analyze the factors that can potentially affect the Islamic Performance Ratio (IPR). These factors include independent variables consisting of financing, the distribution ratio (Financing to Deposit Ratio-FDR), labor cost ratio (LCR), promotion cost ratio (PCR), financing quality ratio (Non-Performing Financing-NPF), ratio distribution of financing to micro, small and medium enterprises (MSMEs) and Return on Assets (ROA). Furthermore, to determine the relationship between financial performance indicators in conventional banks (ROA) with financial performance indicators and social performance in Islamic banks (IPR), ROA becomes a moderating variable. The results of this study show that FDR has a positive and significant effect on IPR, LCR has a negative and insignificant effect on IPR, PCR has a positive and significant effect on IPR, NPF has a negative and significant effect on IPR, MSMEs have a positive and significant effect on IPR, ROA has a positive and significant effect on IPR, and ROA has a positive and significant effect on IPR. Significant to the IPR. Whereas the ROA variable as a variable that moderates the relationship of these independent variables to IPR results in that ROA moderates the effect of ROA positively and significantly on IPR, ROA moderates the effect of LCR negatively and significantly on IPR, ROA moderates the effect of PCR positively and significantly on IPR. Also, ROA positively and significantly moderates the effect of MSMEs on IPR.en_US
dc.identifier.endpage56en_US
dc.identifier.issue2en_US
dc.identifier.startpage21en_US
dc.identifier.urihttps://hdl.handle.net/11467/5936
dc.identifier.volume8en_US
dc.language.isoenen_US
dc.publisherİstanbul Ticaret Üniversitesien_US
dc.relation.ispartofInternational Journal of Commerce and Financeen_US
dc.relation.publicationcategoryMakale - Ulusal Hakemli Dergi - Başka Kurum Yazarıen_US
dc.rightsinfo:eu-repo/semantics/openAccessen_US
dc.subjectIslamic Bank, Islamic Performance Ratio (IPR), Financing to Deposit Ratio (FDR), Labor Cost Ratio (LCR), Promotion Cost Ratio (PCR), Non-Performing Financing (NPF), Micro Small & Medium Enterprises (MSMEs), Return on Assets (ROA)en_US
dc.titleDeterminants of Islamic performance ratio in Islamic banks with return on assets as moderating factoren_US
dc.typeArticleen_US

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