Skripsi

ANALISIS KINERJA PADA INDUSTRI PERBANKAN ISLAM STUDI KASUS NEGARA UNI EMIRAT ARAB, MALAYSIA, ARAB SAUDI DAN INDONESIA

---

This study aims to analyse the influence of financial inclusion indicators, consisting of the number of bank branches, non-remunerative funding (low-cost funds/wadiah), and total financing, as well as macroeconomic variables (inflation and GDP) on the performance of Islamic banking measured by Return on Assets (ROA). The case study was conducted on the Islamic banking industry in four countries: the United Arab Emirates (UAE), Malaysia, Saudi Arabia, and Indonesia during the 2014–2023 period. The analytical method used is panel data regression with the Generalised Least Squares (GLS) approach using the cross-section Seemingly Unrelated Regression (SUR) method. Partially, non-remunerative funding, inflation, and GDP have a positive and significant effect on ROA. Conversely, total financing has a negative and significant effect, indicating the need for more optimal risk management in financing expansion. Meanwhile, the number of bank branches has a negative but insignificant effect on ROA, suggesting a need to balance limited physical expansion with acceleration of digital transformation. This research contributes to regulators and bank managers in formulating more efficient financial inclusion strategies to enhance profitability.

---

Availability

Detail Information

Series Title

-

Call Number

T1970332026

Publisher

Indralaya : Prodi Ekonomi Pembangunan, Fakultas Ekonomi Universitas Sriwijaya., 2026

Collation

xviii, 130 hlm.; ilus.; tab.; 29 cm.

Language

Indonesia

ISBN/ISSN

-

Classification

332.122 07

Content Type

Text

Media Type

-

Carrier Type

-

Edition

-

Subject(s)

Prodi Ekonomi Pembangunan
Perbankan Islam

Specific Detail Info

-

Statement of Responsibility

TUTI

Other version/related

File Attachment

Comments

---

You must be logged in to post a comment