We show that the steep decline in traditional bank mortgage lending after the crisis was primarily driven by a widespread withdrawal by the four largest U.S. banks (Big4). In contrast, small banks maintain their aggregate share in this market despite rapid nonbank growth throughout the country. A strong, county-level substitution for the retreating Big4 explains small banks' enduring importance: they were four (seven) times more responsive than shadow banks (fintech lenders) in local markets. We show that small banks' relative advantage in balance-sheet financing of loans below the jumbo size limit plays a prominent role in our results.
{"title":"Small Bank Lending in the Era of Fintech and Shadow Banking: A Sideshow?","authors":"Taylor A. Begley, K. Srinivasan","doi":"10.2139/ssrn.3317672","DOIUrl":"https://doi.org/10.2139/ssrn.3317672","url":null,"abstract":"We show that the steep decline in traditional bank mortgage lending after the crisis was primarily driven by a widespread withdrawal by the four largest U.S. banks (Big4). In contrast, small banks maintain their aggregate share in this market despite rapid nonbank growth throughout the country. A strong, county-level substitution for the retreating Big4 explains small banks' enduring importance: they were four (seven) times more responsive than shadow banks (fintech lenders) in local markets. We show that small banks' relative advantage in balance-sheet financing of loans below the jumbo size limit plays a prominent role in our results.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-11-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127931463","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The bank literature has documented theoretical and empirical evidence of a “diabolic loop” in the sovereign-bank nexus. Banks have a concentrated risk exposure in domestic government bonds. In the European banking union, this has led to a proposal to create European safe bonds (ESBies). Securitized sovereign bond-backed securities would facilitate geographical sovereign diversification, hence contributing to bank stability. But will banks in low-rated countries invest in safe bonds?
This paper offers two new explanations for the home bias in government bond holdings: a sovereign-based rating cap on corporates and the existence of a ‘bank tax’. These are complementary to the four explanations offered in the literature: risk shifting, gambling for resurrection, moral suasion, and a way to store liquidity for financing future investment. Collectively they cast doubt on a demand-led approach to investment in safe bonds by banks in low-rated countries. Bank regulations such as constraints on large exposure or risk-based capital on credit risk concentration will be needed if the objective is to break the so-called “deadly embrace”.
{"title":"Banks’ Home-Bias in Government Bond Holdings: Will Banks in Low-Rated Countries Invest in European Safe Bonds (ESBies)?","authors":"J. Dermine","doi":"10.2139/ssrn.3693026","DOIUrl":"https://doi.org/10.2139/ssrn.3693026","url":null,"abstract":"The bank literature has documented theoretical and empirical evidence of a “diabolic loop” in the sovereign-bank nexus. Banks have a concentrated risk exposure in domestic government bonds. In the European banking union, this has led to a proposal to create European safe bonds (ESBies). Securitized sovereign bond-backed securities would facilitate geographical sovereign diversification, hence contributing to bank stability. But will banks in low-rated countries invest in safe bonds?<br><br>This paper offers two new explanations for the home bias in government bond holdings: a sovereign-based rating cap on corporates and the existence of a ‘bank tax’. These are complementary to the four explanations offered in the literature: risk shifting, gambling for resurrection, moral suasion, and a way to store liquidity for financing future investment. Collectively they cast doubt on a demand-led approach to investment in safe bonds by banks in low-rated countries. Bank regulations such as constraints on large exposure or risk-based capital on credit risk concentration will be needed if the objective is to break the so-called “deadly embrace”.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"104 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115479044","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper examines how non-performing loans (NPLs) affect Chinese commercial banks before, during, and after the 2008 global financial crisis as well as the subsequent 2008--2010 stimulus. By accounting for NPLs as undesirable outputs, banks' technical efficiency is estimated using directional output distance function. The envelop theorem is applied to calculate the shadow price of NPLs. The shadow price of NPLs is the opportunity cost of reducing NPLs by one Chinese yuan. Empirical results show that the four major state-owned banks are the least technically efficient while foreign banks are the most efficient over the sample period 2007-2014. I also find that the crisis has a negative effect on banks' technical efficiency while the stimulus initially has a positive effect on four major stateowned commercial banks and joint-stock commercial banks, but later shows a negative effect with a higher default ratio and lower efficiency. Finally, the data show that the stimulus has greatly increased the shadow price of NPLs for four major state-owned commercial banks. Starting in 2011, the shadow prices of NPLs for four major state-owned commercial banks are much higher than all other bank types.
{"title":"Shadow Prices of Non-performing Loans for Chinese Banks in the Post-Crisis Era","authors":"Shirong Zhao","doi":"10.2139/ssrn.3692832","DOIUrl":"https://doi.org/10.2139/ssrn.3692832","url":null,"abstract":"This paper examines how non-performing loans (NPLs) affect Chinese commercial\u0000banks before, during, and after the 2008 global financial crisis as well as the\u0000subsequent 2008--2010 stimulus. By accounting for NPLs as undesirable outputs,\u0000banks' technical efficiency is estimated using directional output distance function.\u0000The envelop theorem is applied to calculate the shadow price of NPLs. The shadow\u0000price of NPLs is the opportunity cost of reducing NPLs by one Chinese yuan.\u0000Empirical results show that the four major state-owned banks are the least\u0000technically efficient while foreign banks are the most efficient over the sample\u0000period 2007-2014. I also find that the crisis has a negative effect on banks' technical\u0000efficiency while the stimulus initially has a positive effect on four major stateowned commercial banks and joint-stock commercial banks, but later shows a\u0000negative effect with a higher default ratio and lower efficiency. Finally, the data\u0000show that the stimulus has greatly increased the shadow price of NPLs for four\u0000major state-owned commercial banks. Starting in 2011, the shadow prices of NPLs\u0000for four major state-owned commercial banks are much higher than all other bank\u0000types.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125991532","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Given the increase of Islamic financial institutions across the world, it is integral to identify the significance and impact caused by its amalgamation of the improved financial performance of these banks. The primary objective of this research was to assess the Shariah audit in-regularities of Islamic banks in Pakistan. This was achieved using an exploratory study design. Qualitative interviews using a semi-structured approach were held with the 15 interviewees, who highlighted the different ways performance can be enhanced, and Shariah audit in-regularities can be adopted. The content analysis approach is used, which helps highlight that Islamic banks in Pakistan further require improvement as well as enhancement in their skill set. The absence of regulations and standards impacts the financial performance of Islamic banks in Pakistan, given their indulgence in the first-time established practices. Different procedures concerning the operations of the Islamic banks aimed at improving its style should be promoted. It suggests the integration of transparent practices, improved training, and the adoption of standardized policies for better financial performance in the Islamic banks in Pakistan. It also suggests that future researches could use different settings, designs, and samples for enhancing the research scope.
{"title":"Shariah Audit In-Regularities on Financial Performance of Islamic Banks","authors":"M. Muzammil, D. Siddiqui","doi":"10.2139/ssrn.3682783","DOIUrl":"https://doi.org/10.2139/ssrn.3682783","url":null,"abstract":"Given the increase of Islamic financial institutions across the world, it is integral to identify the significance and impact caused by its amalgamation of the improved financial performance of these banks. The primary objective of this research was to assess the Shariah audit in-regularities of Islamic banks in Pakistan. This was achieved using an exploratory study design. Qualitative interviews using a semi-structured approach were held with the 15 interviewees, who highlighted the different ways performance can be enhanced, and Shariah audit in-regularities can be adopted. The content analysis approach is used, which helps highlight that Islamic banks in Pakistan further require improvement as well as enhancement in their skill set. The absence of regulations and standards impacts the financial performance of Islamic banks in Pakistan, given their indulgence in the first-time established practices. Different procedures concerning the operations of the Islamic banks aimed at improving its style should be promoted. It suggests the integration of transparent practices, improved training, and the adoption of standardized policies for better financial performance in the Islamic banks in Pakistan. It also suggests that future researches could use different settings, designs, and samples for enhancing the research scope.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"38 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130577681","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The given paper deals with Arbitration in Banking Sector in Countries like America and India.
本文讨论了美国和印度等国银行业的仲裁问题。
{"title":"Arbitrability of Banking Disputes","authors":"Prakhar Chandel","doi":"10.2139/ssrn.3673769","DOIUrl":"https://doi.org/10.2139/ssrn.3673769","url":null,"abstract":"The given paper deals with Arbitration in Banking Sector in Countries like America and India.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130699794","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Deposit insurance premiums impose costs on banks' balance sheets, narrowing profit margins and inducing banks to "search for yield." This paper estimates the effects of deposit insurance premiums on bank risk-taking using supervisory data and a kink in the schedule of deposit insurance premiums. We show that deposit insurance premiums weaken bank demand for reserves--a liquid asset with no credit risk--and strengthen the supply of short-term interbank loans--a liquid asset with credit risk. We discuss the implications of these findings for optimal deposit insurance pricing and monetary policy implementation.
{"title":"Deposit Insurance Premiums and Bank Risk-Taking","authors":"Edward Kim, Marcelo Rezende","doi":"10.2139/ssrn.3676610","DOIUrl":"https://doi.org/10.2139/ssrn.3676610","url":null,"abstract":"Deposit insurance premiums impose costs on banks' balance sheets, narrowing profit margins and inducing banks to \"search for yield.\" This paper estimates the effects of deposit insurance premiums on bank risk-taking using supervisory data and a kink in the schedule of deposit insurance premiums. We show that deposit insurance premiums weaken bank demand for reserves--a liquid asset with no credit risk--and strengthen the supply of short-term interbank loans--a liquid asset with credit risk. We discuss the implications of these findings for optimal deposit insurance pricing and monetary policy implementation.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"45 9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125699194","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Haitham Jouda, Ali Abu Jarad, Tareq Obaid, Samir Abu Mdallalah, Ahmed Awaja
For financial institutions, mobile banking has represented a breakthrough in terms of remote banking services. However, many customers remain uncertain due to its security. This study aims to shed light on the factors that determine user acceptance of mobile banking applications in Palestine by developing a new acceptance technology model that incorporates the decomposed theory of planned behavior along with perceived trust. Data were collected by conducting a survey questionnaire completed by 682 participants. Collected data were analyzed by structural equation modeling technique. The results indicated a significant positive impact of attitude, perceived behavior control, and perceived trust toward mobile banking in Palestine. Surprisingly, the effects of subjective norms on mobile banking adoption were insignificant.
{"title":"Mobile Banking Adoption: Decomposed Theory of Planned Behavior with Perceived Trust","authors":"Haitham Jouda, Ali Abu Jarad, Tareq Obaid, Samir Abu Mdallalah, Ahmed Awaja","doi":"10.2139/ssrn.3660403","DOIUrl":"https://doi.org/10.2139/ssrn.3660403","url":null,"abstract":"For financial institutions, mobile banking has represented a breakthrough in terms of remote banking services. However, many customers remain uncertain due to its security. This study aims to shed light on the factors that determine user acceptance of mobile banking applications in Palestine by developing a new acceptance technology model that incorporates the decomposed theory of planned behavior along with perceived trust. Data were collected by conducting a survey questionnaire completed by 682 participants. Collected data were analyzed by structural equation modeling technique. The results indicated a significant positive impact of attitude, perceived behavior control, and perceived trust toward mobile banking in Palestine. Surprisingly, the effects of subjective norms on mobile banking adoption were insignificant.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"64 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134314018","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Abstract Co-lending by private-sector and government-owned lenders accounts for over one-tenth of all syndicated-loan funding to corporate borrowers from 1980 to 2010. Co-lending is often rationalized as a mean to impose market discipline on government-owned lenders. We investigate whether that is really the case, or whether political distortions affect “mixed” syndicates including both private and government-owned lenders. We find that mixed syndicates allocate more loans to government-connected firms than private syndicates do. Further, loans from mixed syndicates have lower spreads, longer maturities, less collateral, and fewer covenants. Terms are most favorable when borrowers are “connected.” Firms borrowing from mixed syndicates show a decline in profitability and valuation in subsequent years, suggesting loans are inefficiently allocated. The evidence is consistent with political distortions in mixed lending. Results are driven by domestic government lenders: loan by syndicates including foreign government-owned lenders resemble more closely private-sector loans, both in allocation and loan terms.
{"title":"Public-Private Co-Lending: Evidence from Syndicated Corporate Loans","authors":"Veljko Fotak, Haekwon Lee","doi":"10.2139/ssrn.2814144","DOIUrl":"https://doi.org/10.2139/ssrn.2814144","url":null,"abstract":"Abstract Co-lending by private-sector and government-owned lenders accounts for over one-tenth of all syndicated-loan funding to corporate borrowers from 1980 to 2010. Co-lending is often rationalized as a mean to impose market discipline on government-owned lenders. We investigate whether that is really the case, or whether political distortions affect “mixed” syndicates including both private and government-owned lenders. We find that mixed syndicates allocate more loans to government-connected firms than private syndicates do. Further, loans from mixed syndicates have lower spreads, longer maturities, less collateral, and fewer covenants. Terms are most favorable when borrowers are “connected.” Firms borrowing from mixed syndicates show a decline in profitability and valuation in subsequent years, suggesting loans are inefficiently allocated. The evidence is consistent with political distortions in mixed lending. Results are driven by domestic government lenders: loan by syndicates including foreign government-owned lenders resemble more closely private-sector loans, both in allocation and loan terms.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129634076","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
In Nigeria, following the classification of banks into systemically important banks (SIBs) and non-systemically important banks (non-SIBs) in 2013, there has been concern about whether or not the designated SIBs are playing their leading role in financial performance and soundness in the industry. One of the tools that has been used by academics and financial analysts to evaluate the overall financial performance and soundness of banks over the years is the acronym of CAMELS, which stands for capital adequacy, assets quality, management efficiency, earnings ability, liquidity and sensitivity to market risk. This paper assessed the effect of CAMELS financial indicators on profitability of SIBs in Nigeria using secondary data extracted from the financial statements and account of seven (7) SIBs over the period of nine years (2010 – 2018). The paper formulated six hypotheses and applied multiple regression to analyse the data. After subjecting the data to relevant tests of robustness, the result of the pooled OLS regression revealed that capital adequacy, asset quality, management efficiency, liquidity and sensitivity to market risk have significant effect on profitability of SIBs in Nigeria. Based on the findings, the paper recommended among other things that CBN should be carrying out its on-site examination function more regularly to increase its surveillance on the SIBs in order to ensure that imprudent and unethical behaviour that erodes liquidity, quality capital and shareholders’ funds are spotted early. In addition, management of SIBs should use strategies that would enable them reduce lending related expenses in order to enhance their earnings ability and consequently increase the profit volume of their banks.
{"title":"Effect of CAMELS Financial Indicators on Profitability of Systemically Important Banks (SIBs) in Nigeria","authors":"A. B. Dogarawa","doi":"10.2139/ssrn.3666896","DOIUrl":"https://doi.org/10.2139/ssrn.3666896","url":null,"abstract":"In Nigeria, following the classification of banks into systemically important banks (SIBs) and non-systemically important banks (non-SIBs) in 2013, there has been concern about whether or not the designated SIBs are playing their leading role in financial performance and soundness in the industry. One of the tools that has been used by academics and financial analysts to evaluate the overall financial performance and soundness of banks over the years is the acronym of CAMELS, which stands for capital adequacy, assets quality, management efficiency, earnings ability, liquidity and sensitivity to market risk. This paper assessed the effect of CAMELS financial indicators on profitability of SIBs in Nigeria using secondary data extracted from the financial statements and account of seven (7) SIBs over the period of nine years (2010 – 2018). The paper formulated six hypotheses and applied multiple regression to analyse the data. After subjecting the data to relevant tests of robustness, the result of the pooled OLS regression revealed that capital adequacy, asset quality, management efficiency, liquidity and sensitivity to market risk have significant effect on profitability of SIBs in Nigeria. Based on the findings, the paper recommended among other things that CBN should be carrying out its on-site examination function more regularly to increase its surveillance on the SIBs in order to ensure that imprudent and unethical behaviour that erodes liquidity, quality capital and shareholders’ funds are spotted early. In addition, management of SIBs should use strategies that would enable them reduce lending related expenses in order to enhance their earnings ability and consequently increase the profit volume of their banks.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117154580","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2020-06-30DOI: 10.35609/jfbr.2020.5.1(1)
GATR Journals Submitter, Puji Sucia Sukmaningrum, Kashan Pirzada, S. Rusmita, F. Hasib, T. Widiastuti, A. Hendratmi
Objective – Islamic Banks have a distinct advantage that is not only conduct a commercial operation, but to also conduct social operations. Therefore, Islamic Banks plays an important role in developing the Indonesian economy. The aim of this study is to investigate the impact of internal and external factors that affect the profitability of Islamic Banks in Indonesia. Methodology/Technique – The methodology of this research is multiple regression. The object of this research is the Islamic banking industry in Indonesia. Internal factors include size, liquidity, asset quality, management, and efficiency ratio. External factors include interest rate and inflation. Return on Assets is used to measure profitability. The monthly data is collected from the financial reports of Islamic Banks between 2011 to 2016. Findings – The findings show that size, liquidity, assets quality, management ratio, interest rate and inflation lead to a greater Return on Assets (profitability) in Islamic Banks in Indonesia. Efficiency however does not have a significant effect on profitability of Islamic Banks in Indonesia. Novelty – Based on the results of this research, it can be concluded that the Islamic banking industry can use those variables to improve the profitability of Islamic banks in the future. In addition, there are two variables that affect the profitability of Islamic banking industry. For the Islamic banking industry should anticipate the movement of inflation and interest to improve the profitability of Islamic banks. Type of Paper: Empirical paper. Keywords: Islamic Banks; Profitability; Internal Factors; External Factors; Indonesia. Reference to this paper should be made as follows: Sukmaningrum, P.S; Pirzada, K; Rusmita, S.A; Hasib, F.F; Widiastuti, T; Hendratmi, A. 2020. Determinants of Islamic Bank Profitability: Evidence from Indonesia, J. Fin. Bank. Review, 5 (1): pp. 01 – 13 https://doi.org/10.35609/jfbr.2020.5.1(1) JEL Classification: G21, G24.
目标-伊斯兰银行有一个明显的优势，即不仅进行商业操作，而且还进行社会操作。因此，伊斯兰银行在印尼经济发展中扮演着重要的角色。本研究的目的是调查影响印尼伊斯兰银行盈利能力的内部和外部因素的影响。方法/技术-本研究的方法是多元回归。本研究的对象是印尼的伊斯兰银行业。内部因素包括规模、流动性、资产质量、管理和效率比。外部因素包括利率和通货膨胀。资产报酬率是用来衡量盈利能力的。月度数据收集自伊斯兰银行2011年至2016年的财务报告。研究结果-研究结果表明，规模，流动性，资产质量，管理比率，利率和通货膨胀导致印度尼西亚伊斯兰银行的资产回报率(盈利能力)更高。然而，效率对印尼伊斯兰银行的盈利能力没有显著影响。新颖性-基于本研究的结果，可以得出结论，伊斯兰银行业可以利用这些变量来提高伊斯兰银行未来的盈利能力。此外，有两个变量影响伊斯兰银行业的盈利能力。对于伊斯兰银行业来说，应预见通货膨胀和利息的变动，以提高伊斯兰银行的盈利能力。论文类型:实证论文。关键词:伊斯兰银行;盈利能力;内部因素;外部因素;印度尼西亚。本文的参考文献如下:Sukmaningrum, p.s.;K代表;Rusmita s.a.;Hasib F.F;喜欢,T;Hendratmi, A. 2020。伊斯兰银行盈利能力的决定因素:来自印度尼西亚的证据，J. Fin Bank。评论，5 (1):pp. 01 - 13 https://doi.org/10.35609/jfbr.2020.5.1(1)JEL分类:G21, G24。
{"title":"Determinants of Islamic Bank Profitability: Evidence from Indonesia","authors":"GATR Journals Submitter, Puji Sucia Sukmaningrum, Kashan Pirzada, S. Rusmita, F. Hasib, T. Widiastuti, A. Hendratmi","doi":"10.35609/jfbr.2020.5.1(1)","DOIUrl":"https://doi.org/10.35609/jfbr.2020.5.1(1)","url":null,"abstract":"Objective – Islamic Banks have a distinct advantage that is not only conduct a commercial operation, but to also conduct social operations. Therefore, Islamic Banks plays an important role in developing the Indonesian economy. The aim of this study is to investigate the impact of internal and external factors that affect the profitability of Islamic Banks in Indonesia.\u0000Methodology/Technique – The methodology of this research is multiple regression. The object of this research is the Islamic banking industry in Indonesia. Internal factors include size, liquidity, asset quality, management, and efficiency ratio. External factors include interest rate and inflation. Return on Assets is used to measure profitability. The monthly data is collected from the financial reports of Islamic Banks between 2011 to 2016.\u0000Findings – The findings show that size, liquidity, assets quality, management ratio, interest rate and inflation lead to a greater Return on Assets (profitability) in Islamic Banks in Indonesia. Efficiency however does not have a significant effect on profitability of Islamic Banks in Indonesia.\u0000Novelty – Based on the results of this research, it can be concluded that the Islamic banking industry can use those variables to improve the profitability of Islamic banks in the future. In addition, there are two variables that affect the profitability of Islamic banking industry. For the Islamic banking industry should anticipate the movement of inflation and interest to improve the profitability of Islamic banks.\u0000Type of Paper: Empirical paper.\u0000Keywords: Islamic Banks; Profitability; Internal Factors; External Factors; Indonesia.\u0000Reference to this paper should be made as follows: Sukmaningrum, P.S; Pirzada, K; Rusmita, S.A; Hasib, F.F; Widiastuti, T; Hendratmi, A. 2020. Determinants of Islamic Bank Profitability: Evidence from Indonesia, J. Fin. Bank. Review, 5 (1): pp. 01 – 13 https://doi.org/10.35609/jfbr.2020.5.1(1)\u0000JEL Classification: G21, G24.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"119 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133431464","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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