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논문 기본 정보

자료유형
학술저널
저자정보
Ahmad Syathiri (Universitas Airlangga) Muslich Anshori (Universitas Airlangga) Raditya Sukmana (Universitas Airlangga)
저널정보
대한산업공학회 Industrial Engineering & Management Systems Industrial Engineering & Management Systems Vol.19 No.3
발행연도
2020.9
수록면
538 - 542 (5page)
DOI
10.7232/iems.2020.19.3.538

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초록· 키워드

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This study aims to investigate the prominent determinants of Islamic and conventional banks’ profitability. The independent variables are bank size, loan, credit risk, and stability (measured by z-score). The profitability was measured by return on assets. The analysis of data was on annual data of Islamic banks (Islamic commercial banks and sharia business unit of conventional banks) and traditional commercial banks during the period 2014-2016. The statistical description showed that the profitability and loan of the sharia business unit are higher than Islamic and conventional commercial banks. Islamic commercial banks have the highest credit risk. Traditional commercial banks are more stable than Islamic banks. The regression test results found that credit risk and z-score have a significant and robust relationship with the profitability of Islamic and conventional banks. The higher z-score and lower credit risk will increase profitability. The bank size and loan variable do not affect the profitability of conventional banks. But vice versa, the bank size has a positive and significant relationship with the profitability of Islamic commercial banks and negative relationships with the sharia business unit profitability. Likewise, the loan variable has a negative and significant relationship with the profitability of Islamic commercial banks and a positive relationship with the sharia business unit profitability. It can be explained that the profitability of Islamic banks is influenced by all of the independent variables. While conventional bank profitability is only affected by two variables. Thus, it can be concluded that only stability and credit risk variable plays a vital role in increasing the profitability of Islamic and conventional banks.
#Credit Risk #Islamic Bank #Profitability #Size #Z-Score #Loan

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ABSTRACT
1. INTRODUCTION
2. RESEARCH METHOD
3. RESULTS AND DISCUSSION
4. CONCLUSION
REFERENCES

참고문헌 (11)

참고문헌 신청
Mariani Abdul-Majid / 2017 / Performance of Islamic and conventional banks: A meta-frontier approach / Research in International Business and Finance 42:1327~1335 Crossref Alharbi, A. T. / 2017 / Determinant of Islamic Bank’s profitability: International evidence / International Journal of Islamic and Middle Eastern Finance and Management 10(3):331~350 Crossref Cengiz Erol / 2014 / Performance comparison of Islamic (participation) banks and commercial banks in Turkish banking sector / EuroMed Journal of Business 9(2):114~128 google schola Khan, I. / 2017 / Performance comparison of Islamic and conventional banks : Emperical evidence from Pakistan / International Journal of Islamic and Middle Eastern Finance and Management 10(3):419~433 google schola Elisa Menicucci / 2016 / The determinants of bank profitability: empirical evidence from European banking sector / Journal of Financial Reporting and Accounting 14(1):86~115 Crossref

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