Islamic banks’ fee income, characteristics and risk: Panel data analysis evidence from Indonesia

2018 ◽  
Vol 6 (1) ◽  
pp. 6 ◽  
Author(s):  
Siti Sarah Mat Isa ◽  
Masturah Ma’in ◽  
Azlina Hanif
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Panel Data Analysis ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Operating Income ◽  
Panel Data Regression ◽  
Data Regression ◽  
The Us ◽  
The Relationship

One of the non-operating income in Islamic banking operation, which is fee income has become progressively vital in expanding their income to counter decreasing net earnings due to rivalry from other financial competitors. However, it is important for Islamic banks to find out any potential risk that will distress their performance due to this activity. This is because, mixed results on this issue derived from the previous studies especially in the Western context such as in the US, Germany and other European countries. Using Indonesian Islamic bank’s quarter data between 2009 and 2013, this study adopts the panel data regression analysis to examine the relationship between Indonesian Islamic banks fee income and risk. The empirical results signified that fee income activities able to reduce Indonesian Islamic bank’s risk.  

Efisiensi dan Kinerja Perbankan Syariah di Indonesia

2019 ◽  
Vol 2 (2) ◽  
pp. 114-123
Author(s):  
Multazam Mansyur Addury
Keyword(s):  
Market Share ◽  
Commercial Banks ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Moderator Variable ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
Efficiency Performance ◽  
The Relationship

Abstract - This study aims to analyze the effect of efficiency on the performance of Islamic banking by using market share as a moderator variable. The data  which are used in this study are 7 Sharia Commercial Banks in the annual form from the period of 2014 to 2018. The data analysis technique uses is the analysis of panel data regression. The results of this research prove that, first, the efficiency of Islamic banking has a significant influence on the performance of Islamic banking. Second, the market share of Islamic banks has no significant impact in moderating the relationship between the efficiency and the performance of Islamic banks. Keywords: Efficiency, Performance, Market Share, Islamic Banks

scholarly journals Determinan Volume Pembiayaan Bank Umum Syariah Indonesia

IKONOMIKA ◽  
2017 ◽  
Vol 2 (1) ◽  
Author(s):  
Masudah Masudah
Keyword(s):  
Exchange Rate ◽  
Panel Data ◽  
Interest Rate ◽  
Operational Efficiency ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Efficiency Ratio ◽  
Independent Variables ◽  
Panel Data Regression ◽  
Data Regression

As a financial intermediary institution, Islamic banking should give a financing to deficit units. The aim of this study is to emphasize the factors that had an influence to financing in Islamic banks. This research using panel data regression with 11 Islamic full-pledge banks from 2011 until 2015. The result shows that deposit funds, exchange rate, operational efficiency ratio and interest rate had an impact on Islamic bank’s financing, but other variables such as non-performing financing and inflation doesn't had an impact. From F-test shows that all variables simultaneously had an impact on Islamic bank’s financing. Besides that, the value of adjusted R-square shows that all of the independent variables can explain the model about 78.5%, the others explained by other variables outside the model.

scholarly journals Country innovative development: impact of the shadow economy

2020 ◽  
pp. 41-49
Author(s):  
Alina Vysochyna ◽  
Olena Kryklii ◽  
Mariia Minchenko ◽  
Aygun Akbar Aliyeva ◽  
Kateryna Demchuk
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Fixed Effects ◽  
Shadow Economy ◽  
Slovak Republic ◽  
Panel Data Analysis ◽  
Innovative Development ◽  
State Management ◽  
Panel Data Regression ◽  
Data Regression

This article generalizes arguments and counterarguments within the scientific discussion regarding the determination of the influence of illegal economic activity and expansion of the shadow economy on innovative country development. The systematization of the scientific works on the above problems proves that there is no one no complexity and unity in the above-mentioned scientific findings, which, in turn, demonstrates the necessity of further theoretical and empirical search in this sphere. Thus, it was developed a scientific hypothesis about the negative influence of the shadow economy on innovative country development. In order to test this hypothesis it was developed a scientific and methodological approach that consists of several stages: 1) correlation analysis in order to eliminate multicollinearity problem between control variables; 2) analysis of dataset descriptive statistics; 3) running Hausman test in order to clarify specification of the regression model (fixed or random effects model); 4) realization of the panel data regression analysis for the whole country sample and separately for Ukraine, characteristics of its results. Technically all stages of the research are realized with the help of Stata 12/S.E. software. The country sample consists of 9 countries (Azerbaijan, Estonia, Hungary, Latvia, Lithuania, Poland, Slovak Republic, Slovenia, and Ukraine). Time horizon – 2008-2018. Running of the panel data regression analysis (model specification – with fixed effects) allow confirming research hypothesis for the whole country sample (an increase of shadow economy negatively affected innovative country development: an increase of shadow economy to GDP ratio in 1 % leads to the decrease of the Global Innovation Index in 0.5 points). However, it was not proved for Ukraine separately. It leads to the conclusion that innovative development in Ukraine does not highly dependent on the shadow economy scale because of more significant obstacles on the way to innovation adoption (institutional inefficiency, regulatory drawbacks, etc.). Keywords: innovative economic growth, innovative state management, panel data analysis, shadow economy.

scholarly journals Kebijakan Spin-off dan Efisiensi Perbankan Syariah di Indonesia

2019 ◽  
Vol 2 (1) ◽  
pp. 21
Author(s):  
Zulfikar Bagus Pambuko
Keyword(s):  
Economic Growth ◽  
Data Analysis ◽  
Panel Data ◽  
Islamic Banking ◽  
Annual Data ◽  
Islamic Banks ◽  
Growth Data ◽  
Panel Data Regression ◽  
Data Regression ◽  
Negative Effect

The study aims to analyse the spin-off policies’ impact on the Islamic banks’ efficiency in Indonesia. The study was conducted on five spin-off Islamic banks and efficiency were measured by the BOPO ratio. The research variables used were dummy spin-off, ROA, FDR, and economic growth. Data analysis used panel data regression on annual data from 2008 to 2018. The results suggest that, first, the implementation of spin-off policy significantly increased the operational efficiency of Islamic banking. Second, ROA also has a negative effect on efficiency. Third, FDR and economic growth have no significant effect on the Islamic banks’ efficiency in Indonesia.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MURABAHAH DAN PENGARUHNYA TERHADAP RETURN ON ASSET (ROA)

Performance ◽  
2017 ◽  
Vol 24 (1) ◽  
pp. 74
Author(s):  
Firmansyah Romadhona
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Sampling Method ◽  
Operating Income ◽  
Purposive Sampling ◽  
Panel Data Regression ◽  
Data Regression ◽  
Negative Effect ◽  
Positive Effect

This research is an analysis on Sharia Rural Banking (BPRS) Listed on Otoritas Jasa Keuangan website (www.ojk.go.id) during Year 2012 – 2015. The research entitled “Analysis variables that influence Murabahah Financing and influence to Return on Asset (Study on Sharia Rural Banking  on Indonesia during Year 2012 – 2015)”. The purpose of this research is to analyze the influence of non performing financing, wadiah savings, financing to deposit ratio, operating expenses operating income toward murabahah financing and influence to return on asset. This research used panel data regression analysis as model to test the hypothesis. The population in this research was Sharia Rural Banking (BPRS) on Indonesia during Year 2012 – 2015 consisting of 168 banks. While the samples of this research were taken by purposive sampling method which were 25 banks. The result of this research showed that: (1) non performing financing has no effect toward murabahah financing, (2) wadiah savings had positive effect toward murabahah financing, (3) financing to deposit ratio has no effect toward murabahah financing, (4 operating expenses operating income had negative effect toward murabahah financing, (5 murabahah financing had positive effect toward return on asset. Implication based on result of this research was the management need to increase wadiah savings and need to decrease operating expenses operating income because it can increase the murabahah financing. The management also needs to increase murabahah financing, because it is in this research is proven to increase the return on asset.

scholarly journals Default Risk on Islamic Banking in Indonesia

2015 ◽  
Vol 2 (2) ◽  
pp. 110 ◽  
Author(s):  
Misnen Ardiansyah ◽  
Aris Munandar ◽  
Ahmad Syahrul Fauzi ◽  
Ulufun Naimah
Keyword(s):  
Panel Data ◽  
Financial Institutions ◽  
Default Risk ◽  
Islamic Banking ◽  
Crucial Issue ◽  
Merton Model ◽  
Panel Data Regression ◽  
Data Regression ◽  
The Us ◽  
The Stability

Stability of financial institutions is a crucial issue amid the economic crisis that hit the US and Europe. Islamic banking in Indonesia as financial institutions are also required to have good stability in order to maintain the stability of the national economy. The aim of this research is to determine the stability of Islamic banking in Indonesia, and understand the factors that affect the stability. Stability of Islamic banking will be measured using Merton model  to estimate the Probability Default (PD). Panel data regression was used to estimate the factors that affect the stability of Islamic Banking. The object of this research is 10 Islamic banking in Indonesia that meet the specified criteria. From the analysis of the Merton model, the research found that the stability of Islamic banking in Indonesia is not good enough. This can be seen from the value of the probability default on Islamic banking which still above 0.5. However, based on the trend, the probability default of Islamic banking has decreased from year to year. Some of the variables that influence the stability of Islamic banking is asset and BI rate (SBI).

scholarly journals The double-edged sword of corporatisation in the hospital sector: evidence from Indonesia

2016 ◽  
Vol 12 (1) ◽  
pp. 61-80 ◽  
Author(s):  
Asri Maharani ◽  
Gindo Tampubolon
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Financial Performance ◽  
System Performance ◽  
Hospital Performance ◽  
Public Hospitals ◽  
Health System Performance ◽  
The Past ◽  
Panel Data Regression ◽  
Data Regression

AbstractHoping to improve their health system performance, many countries have corporatised their hospitals in the past 20 years. What this means for hospital performance remains as yet largely unknown. This study looks into the association of corporatisation and hospital performance in Indonesia. We apply panel data regression analysis to survey data on 54 public hospitals in East Java province. Our analysis suggests that corporatisation is associated with higher hospital income and expenditure, but fails to improve efficiency and equity. These findings suggest that hospital corporatisation policy in Indonesia should increase emphasis on efficiency and equity rather than on financial performance alone.

scholarly journals Idiosyncratic Risk and Firm Characteristics on Islamic Stocks of Four Asean Countries 2005–2017

2021 ◽  
Vol 21 (3) ◽  
pp. 1226-1238
Author(s):  
Putri Utami ◽  
Muhammad Budi Prasetyo
Keyword(s):  
Panel Data ◽  
Global Financial Crisis ◽  
The United States ◽  
Idiosyncratic Risk ◽  
Idiosyncratic Volatility ◽  
Firm Characteristics ◽  
Panel Data Regression ◽  
Data Regression ◽  
Asean Countries ◽  
The Relationship

This research investigates idiosyncratic volatility in the Islamic stock of four ASEAN countries, namely Indonesia, Malaysia, Singapore, and Thailand for 2005–2017. The volatility will be analyzed based on the idiosyncratic volatility levels of each country. Furthermore, firm characteristics will be used to determine their relationship to the idiosyncratic volatility movement. This study used the Fama-French Three-Factor model for obtaining the realized value of idiosyncratic volatility. Furthermore, a panel data regression is used to estimate the relationship between firm characteristics and idiosyncratic volatility. The results of this research suggest that mean value of idiosyncratic risk in the Islamic stock of ASEAN countries is below the non-Islamic stock in the United States but above non-Islamic stock in Hong Kong. Meanwhile, after the global financial crisis of 2008, the relationship between return and idiosyncratic risk of Islamic stock changed in all four countries. Panel data regression of firm characteristics shows that firm size is significantly negative in all four countries, while share turnover is insignificant to idiosyncratic volatility.

scholarly journals Effect of Default on Profitability in Kenyan Listed Companies

2020 ◽  
Vol 9 (4) ◽  
pp. 01-10
Author(s):  
James N Ndegwa
Keyword(s):  
Regression Analysis ◽  
Financial Institutions ◽  
Listed Companies ◽  
Short Term ◽  
Listed Firms ◽  
Short Notice ◽  
Panel Data Regression ◽  
Data Regression ◽  
Firm Profitability ◽  
The Relationship

The study investigated the whether the default measures of liquidity and solvency are associated and whether default measures are related to firm profitability. A total of 41 firms were selected to be in the study sample out of 46 non-financial listed firms in the Nairobi Securities Exchange during years 2013 to 2017 and panel data regression analysis was employed. The findings revealed that liquidity and solvency are significantly and negatively associated while the default measures lacked a significant relationship with profitability in Kenyan listed companies. The findings implied that there is no need for firms to focus too much on the relationship between default and profitability including invest heavily in liquidity in order to meet short term obligations as nowadays it is possible for firms to either convert non-cash assets quickly or borrow on short notice from financial institutions in case of an urgent need to meet liquidity shortages. These findings are consistent with the shitability theory.

scholarly journals EXAMINATION OF THE EFFECT OF LOGISTICS FUNCTIONS ON FINANCIAL PERFORMANCE OF ORGANIZATION

2021 ◽  
Vol 8 (3) ◽  
pp. 18-26
Author(s):  
Boye AYANTOYINBO ◽  
Adeolu GBADEGESIN
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Financial Performance ◽  
Performance Indicators ◽  
Secondary Data ◽  
Manufacturing Companies ◽  
Panel Data Regression ◽  
Data Regression ◽  
The Subject ◽  
Logistic Functions

The contributions of logistics functions to the performance of an organization have been the subject of research over the years. Thus, this present study further examined the effect of outbound logistics functions on financial performance of quoted manufacturing companies in Nigeria. Panel data regression analysis was employed to test the effect of logistics functions on financial performance of the selected companies over a period of five years (2015-2019). Logistic functions costs and financial performance indicators were extracted from secondary data.  The findings of the study showed that logistics function has a positive and significant effect on financial performance of manufacturing companies in Nigeria. Therefore, the companies are implored to pay more attention to logistics functions when aiming at a better financial performance.

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