Electronic Resource

Analysis of Factors Affecting Profit Growth of Sharia Commercial Banks in Indonesia Period 2014-2023

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"his study explores the factors influencing profit growth in Islamic commercial banks in
Indonesia, focusing on Return on Assets (ROA) as the dependent variable. The independent
variables analyzed include one-month deposits, Capital Adequacy Ratio (CAR), Non-Performing
Financing (NPF) Murabahah, Financing to Deposit Ratio (FDR), Operational Costs to Operational
Income (BOPO), and Mismatch. Secondary data from the Sharia Banking Statistics (SPS) of the
Financial Services Authority (OJK) for 2014–2023 is utilized. Using the Vector Error Correction
Model (VECM), findings indicate that CAR negatively affects ROA in the long term, while NPF
Murabahah has a significant positive impact. However, one-month deposits, FDR, BOPO, and
Mismatch do not exhibit a significant long-term effect. In the short run, ROA is primarily
influenced by its past values, with no notable impact from other variables. The impulse response
function analysis shows that ROA reacts positively to shocks in NPF Murabahah and Mismatch,
stabilizing over time, while negative responses are observed for shocks in 1-month deposits, CAR,
FDR, and BOPO. Variance Decomposition Analysis further reveals that, apart from ROA itself,
Mismatch contributes the most to ROA fluctuations, whereas BOPO has the least effect.
Keywords: 1 Month Deposits, CAR, NPF Murabahah, FDR, BOPO, Mismatch, ROA, Islamic"

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Detail Information

Series Title

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Call Number

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Publisher

Bogor : Jurnal : Kajian Ekonomi & Bisnis Islam., 2025

Collation

1380 - 1396

Language

English

ISBN/ISSN

NIM.2110101007

Classification

NONE

Content Type

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Media Type

-

Carrier Type

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Edition

Vol 6 No 7 (2025)

Subject(s)

Mismatch
FDR
CAR
ROA
BOPO
1 Month Deposits
NPF Murabahah
Islamic

Specific Detail Info

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Statement of Responsibility

Muhammad Fakhrul Al-Rasyid ; Yaser Taufik Syamlan

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