Financial Performance Islamic Banking Unit In Indonesia: A Comparative Study Private Banks And Regional Development Banks
| Main Author: | Agustin, Hamdi |
|---|---|
| Format: | Article PeerReviewed Book |
| Bahasa: | eng |
| Terbitan: |
, 2016
|
| Subjects: | |
| Online Access: |
http://repository.uir.ac.id/903/1/jurnal%20scopus%20hamdi%20oke%20%28NO%2010%29.pdf http://repository.uir.ac.id/903/ |
| ctrlnum |
903 |
|---|---|
| fullrecord |
<?xml version="1.0"?>
<dc schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/ http://www.openarchives.org/OAI/2.0/oai_dc.xsd"><relation>http://repository.uir.ac.id/903/</relation><title>Financial Performance Islamic Banking Unit In Indonesia: A Comparative Study Private Banks And Regional Development Banks</title><creator>Agustin, Hamdi</creator><subject>H Social Sciences (General)</subject><subject>HG Finance</subject><subject>HJ Public Finance</subject><description>One of the unique banking in Indonesia is a Regional Development Banks (RDB),
which is a districts government-owned bank. Indonesia banks have Islamic banking units,
where the status usually in division and business unit of the Bank’s parent (conventional).
But there are no funds will be mixed with the conventional, because they have a different
system of financial records between sharia units and conventional units. The purpose of
this study is to comparing the performance of RDB and private banks which has Islamic
banking units. The population and sample consists of 24 Islamic business units Regional
Development Banks (RDB) and private owned banks. From the 24 banks, only 18 banks
were selected to be the sample. The banks are 7 private banks and 11 regional development
banks. The period of this study is from 2010 to 2014. Data are taken from the bank’s annual
reports. This study using panel data and using pooled Ordinary Least Squares (OLS),
random effect and fixed effect analysis. The results showed that RDB of Islamic banking
units is better than Islamic business unit of private banks; this suggests that due to several
factors. First, lending only to employees of the local government where government employees
are very difficult to stop. Because of they are difficult to be dismissed; the probability that
they are unable to repay loans is very low despite the unstable economic situation. Second,
since RDB provide services only to an area only, so it has special knowledge about the area.
This simplifies the RDB to assess loan applications from customers and identify viable
loans. Third, the performance of RDB supervised by local governments This study also
shows that DIBU, DEPOSIT, LDR, CAR and NPL plays a significant factor in explaining
the performance of Islamic banking unit in Indonesia banks.</description><date>2016-04-13</date><type>Journal:Article</type><type>PeerReview:PeerReviewed</type><type>Book:Book</type><language>eng</language><identifier>http://repository.uir.ac.id/903/1/jurnal%20scopus%20hamdi%20oke%20%28NO%2010%29.pdf</identifier><identifier> Agustin, Hamdi (2016) Financial Performance Islamic Banking Unit In Indonesia: A Comparative Study Private Banks And Regional Development Banks. IJER. pp. 1400-1409. ISSN 0972-9380 </identifier><recordID>903</recordID></dc>
|
| language |
eng |
| format |
Journal:Article Journal PeerReview:PeerReviewed PeerReview Book:Book Book |
| author |
Agustin, Hamdi |
| title |
Financial Performance Islamic Banking Unit In Indonesia: A Comparative Study Private Banks And Regional Development Banks |
| publishDate |
2016 |
| topic |
H Social Sciences (General) HG Finance HJ Public Finance |
| url |
http://repository.uir.ac.id/903/1/jurnal%20scopus%20hamdi%20oke%20%28NO%2010%29.pdf http://repository.uir.ac.id/903/ |
| contents |
One of the unique banking in Indonesia is a Regional Development Banks (RDB),
which is a districts government-owned bank. Indonesia banks have Islamic banking units,
where the status usually in division and business unit of the Bank’s parent (conventional).
But there are no funds will be mixed with the conventional, because they have a different
system of financial records between sharia units and conventional units. The purpose of
this study is to comparing the performance of RDB and private banks which has Islamic
banking units. The population and sample consists of 24 Islamic business units Regional
Development Banks (RDB) and private owned banks. From the 24 banks, only 18 banks
were selected to be the sample. The banks are 7 private banks and 11 regional development
banks. The period of this study is from 2010 to 2014. Data are taken from the bank’s annual
reports. This study using panel data and using pooled Ordinary Least Squares (OLS),
random effect and fixed effect analysis. The results showed that RDB of Islamic banking
units is better than Islamic business unit of private banks; this suggests that due to several
factors. First, lending only to employees of the local government where government employees
are very difficult to stop. Because of they are difficult to be dismissed; the probability that
they are unable to repay loans is very low despite the unstable economic situation. Second,
since RDB provide services only to an area only, so it has special knowledge about the area.
This simplifies the RDB to assess loan applications from customers and identify viable
loans. Third, the performance of RDB supervised by local governments This study also
shows that DIBU, DEPOSIT, LDR, CAR and NPL plays a significant factor in explaining
the performance of Islamic banking unit in Indonesia banks. |
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Perpustakaan Universitas Islam Riau |
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2019-05-08T12:43:52Z |
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2020-12-17T15:13:16Z |
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1686338967788584960 |
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17.538404 |