PENGARUH STRUKTUR KEPEMILIKAN BANK DAN PENDAPATAN PEMBIAYAAN TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA
DOI:
https://doi.org/10.25299/jtb.2020.vol3(2).5714Keywords:
Mudharabah, Musyarakah, Return on Asset, Struktur Kepemilikan, Bank SyariahAbstract
Tujuan penelitian ini untuk mengetahui pengaruh struktur kepemilikan bank dan pendapatan mudharabah dan pendapatan musyarakah terhadap profitabilitas yang diukur dengan Return On Asset (ROA) pada bank umum syariah di Indonesia. Sampel yang digunakan adalah perbankan syariah dan observasi yang dilakukan dalam penelitian ini berjumlah 96 dengan pendekatan laporan triwulan satu sampai keempat periode 2015-2018. Penelitian ini menggunakan data panel dengan metode analisis regresi. Hasil penelitian menunjukkan bahwa struktur kepemilikan tidak berpengaruh terhadap Return On Asset. Pendapatan mudharabah berpengaruh positif dan signifikan terhadap Return On Asset. Sedangkan pendapatan musyarakah berpengaruh negatif dan signifikan terhadap Return On Asset.
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References
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Staikouras, C., & Wood, G. 2005. The Determinants of Bank Profitability in Europe. International Business & Economics Research Journal, 6(3), 56-68.
Trivieri, F. 2007. Does Cross-Ownership Affect Competition? Evidence from The Italian Banking Industry. International Financial Markets, Institutions and Money, 17, 79-101.
Yu, P., & Neus, W. 2009. Market Structure, Scale Efficiency and Risk As Determinants of German Banking Profitability. Retrieved from http://econstor.eu /bitstream/ 10419/ 22093/1/294.pdf.
Atemnkeng, T., & Joseph, N. 2005. Market Structure and Profitability Performance in The Banking Industry of CFA Countries: The Case of Commercial Banks in Cameroon. Retrieved from www.jsd-africa.com/Jsda/Summer _2006/PDF.
Athanasoglou, P. P., Brissimis, S. N., & Delis, M. D. 2008. Bank Specific, Industry Specific and Macroeconomic Determinants of Bank Profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136.
Bashir, A. M. 2003. Determinants of Profitability in Islamic Banks: Some Evidence from Middle East. Islamic Economic studies, 11(1), 31-57.
Beck, T., Cull, R., & Jarome, A. 2005. Bank Privatization and Performance: Empirical Evidence from Nigeria. Journal of Banking and Finance, 29, 2355-2379.
Berger A. N., Demirguc-Kunt A., Levine R., & Haubrich J. G. 2004. Bank Concentration and Competition: An Evolution in The Making. Journal of Money, Credit and Banking, 36(3), 433-451.
Berger, A. N., Clarke, G. R., Cull, R., Klapper, L., & Udell, G. F. 2005. Corporate Governance and Bank Performance: A Joint Analysis of The Static, Selection, And Dynamic Effects of Domestic, Foreign, And State Ownership. Journal of Banking and Finance, 29(8-9), 2179-2221.
Chantapong, S. 2005. Comparative study of Domestic and Foreign Bank Performance in Thailand: The Regression Analysis. Economic Change and Restructuring, 3, 63-83.
Cornett, M. M., Guo, L., Khaksari, S., & Tehranian, H. 2010. The Impact of State Ownership on Performance Differences In Privately-Owned Versus State-Owned Banks: An International Comparison. Journal Financial Intermediation, 19, 74-94.
Fernandez, A. I., Fonseca, A. R., & Gonzalez, F. 2005. Does Ownership Affect Banks Profitability? Some International Evidence. In E.Klein (8th ed.), Capital formation and banking (157-178). Nova Science Publishers, Inc.
Flamini, V., McDonald, C., & Schumacher, L. 2009. The Determinants of Commercial Bank Profitability in Sub-Saharan Afrika. (IMF Working Paper 09/15). Washington, DC: International Monetary Fund . Retrieved from http://www.imf.org/ external/ pubs /ft/ wp/2009/wp0915.pdf.
Fu, X., & Heffernan, S. 2009. The Effects of Reform on China’s Bank Structure and Performance. Journal of Banking and Finance, 33, 39-52.
Gul, S., Irshad, F., & Zaman, K. 2011. Factors Affecting Bank Profitability in Pakistan. The Romanian Economic Journal, 39, 61-87.
Hadad. M. D., Agus, S., Wini, P., M., & Jony, H. 2003. Kajian mengenai Struktur Kepemilikan Bank di Indonesia. Bank Indonesia. Jakarta. Retrieved http://www.bi.go.id.
Hassan, M. K. & Bashir, A. 2005. Determinants of Islamic Banking Profitability. Proceedings of the Economic Research Forum 10th Annual Conference, Marakesh-Morocco.
Iannotta, G., Nocera, G., & Sironi, A. 2007. Ownership Structure, Risk and Performance in the European Banking Industry. Journal of Banking and Finance, 31(7), 2127-2149.
La Porta , R., Lopez-de-Silanes, F., & Shleifer, A. R. 2002. Government Ownership of Banks. Journal Finance, 57, 265-302.
Mamatzakis, E. C., & Remoundos, P. C. 2003. Determinants of Greek Commercial Banks Profitability 1989-2000. SPOUDAI, 53(1), 84-94.
Mashharawi, F.Y., & Al-Zu’bi, K. 2009. The Determinants of Bank’s Profitability: Evidence from the Jordanian Banking Sector (1992-2006). Jordan Journal of Business Administration, 5(3), 403-414.
Micco, A., Panizza, U., & Yañez, M. 2004. Bank Ownership and Performance (IDB Working Paper No. 429). Inter-American Development Bank, Research Department. Retrieved November, 2004, from SSRN: http://ssrn.com/abstract=1818718 or http://dx.doi.org/10.2139/ssrn. 1818718
Micco, A., Panizza, U., Yanez, M. 2007. Bank Ownership and Performance: Does Politics Matter?. Journal of Banking and Finance, 31, 219-241.
Omran, M. 2007. Privatization, State Ownership and Bank Performance in Egypt. World Development, 35(4), 714-733.
Reaz, M. 2005. Linking Corporate Governance and Bank Performance: Evidence from Bangladesh. Bangladesh: North South University. Retrieved from https://docs.google.com/viewer?.
Staikouras, C., & Wood, G. 2005. The Determinants of Bank Profitability in Europe. International Business & Economics Research Journal, 6(3), 56-68.
Trivieri, F. 2007. Does Cross-Ownership Affect Competition? Evidence from The Italian Banking Industry. International Financial Markets, Institutions and Money, 17, 79-101.
Yu, P., & Neus, W. 2009. Market Structure, Scale Efficiency and Risk As Determinants of German Banking Profitability. Retrieved from http://econstor.eu /bitstream/ 10419/ 22093/1/294.pdf.
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Published
2020-11-01
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Section
Articles
Asosiasi Program Studi Keuangan dan Perbankan Syariah
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