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Journal articles on the topic 'Branch banks'
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Samudra, Azhari Aziz, Veithzal Rival Zainal, Eryus Amran Koto, Aziz Hakim, Ainun Nazriah, and Iwan Kurniawan Subagja. "Branch Leadership Optimization Performance in Improving The Performance of Government Banks In West Java." Archives of Business Research 7, no. 9 (September 10, 2019): 5–18. http://dx.doi.org/10.14738/abr.79.7029.
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As part of finance, every bank, mostly from the government, has an important role in supporting the country's economic recovery from the crisis. The facts show that bank branches are the spearhead of bank operations which are very important in achieving bank goals. That is why every bank branch manager plays an important role in the overall success of the bank's business. The purpose of this study is to analyze several factors that support the optimization of the performance of branch managers of government banks. The results showed that the work of branch managers of state-owned banks affected the performance of Government Banks in West Java.
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Hauck, Warren C. "Productivity improvement at branch banks." National Productivity Review 6, no. 3 (1987): 243–49. http://dx.doi.org/10.1002/npr.4040060306.
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Hadijah, Hady Siti. "Knowledge Management, Intellectual Capital, And Performance Of Branch Office Of State-Owned Banks." Jurnal Manajemen 22, no. 3 (October 24, 2018): 310. http://dx.doi.org/10.24912/jm.v22i3.424.
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The goal of this research is to determineif intellectual capital could mediate the influence of knowledge management on the branch performance offices of state-owned banks. If we compare to the ASEAN banks, the performance of state-owned banks is weak, especially in the case of operational cost efficiency depressing the potential for large profits. The low level of performance cannotbeseparatedfrom of the low performance of branch offices. BI's expectation as stipulated in the BI Regulation of 2010 is that the banking sector should perform the maximum role of branch offices because if the management of branch offices understandknow more than head officedoes.The improvement in knowledge management should be made by state-owned banks at branch offices.Beside, it is necessary that aggregation of all knowledge and employee competence that allows companies to gain competitive advantage. In my research, the method of research used is explanatory survey. Structural Equation Modeling (SEM) using LISREL was chosen to test the hypothesis.152 pieces of sample were taken from the whole state-owned banksoffices in West Java. The focus of the assessment is the branch officees of state-owned banks located in the region of West Java because the industry's contribution in the region to GRDP is relatively large. My research concluded that the effect of Knowledge Management on Intellectual Capital was significant. The effect of Knowledge Management and Intellectual Capital on the performance of each Branch Office is significant. In this case intellectual capital played a role in mediating the effect of Knowledge Management to the Branch performance Offices of state-owned banks in West Java. The Branch offices conducting knowledge management continuously resulted the good intellectual capital, which would strengthen the role of knowledge management in improving the branch performance.
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Harimaya, Kozo, and Kazumine Kondo. "Effects of branch expansion on bank efficiency: evidence from Japanese regional banks." Managerial Finance 42, no. 2 (February 8, 2016): 82–94. http://dx.doi.org/10.1108/mf-11-2014-0278.
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Purpose – The purpose of this paper is to examine whether branch expansions have realized efficiency gains by focussing on regional banks in Japan. Design/methodology/approach – The authors use a single-step estimation procedure, where both cost frontier parameters and inefficiency effects are addressed simultaneously, and examine the impact of expanding branch networks on bank performance. Findings – The findings show that regional banks expanding their branch networks to certain levels exhibit lower cost inefficiencies. Robustness results are also obtained from the samples, excluding the regional banks located in urban regions. Originality/value – The findings suggest that adequate levels of branch expansion have beneficial impacts for regional banks, although this result is contrary to the current region-based relationship banking policy promoted by Japan’s financial regulators.
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Hsieh, Song-Yi, Hsiao-Chi Ling, Chiao Chao, and Ruei-Yuan Wang. "Using AI and the Fuzzy Delphi Method for Dispatching Executives to Overseas Banks." International Journal of Advanced Engineering Research and Science 10, no. 10 (2023): 01–06. http://dx.doi.org/10.22161/ijaers.1010.1.
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With the openness of Taiwan’s government's financial policy, the banks here are becoming more liberalized and internationalized. Taiwan is becoming a competitive financial market since more new commercial banks have been set up in Taiwan. So, it is important for a bank to dispatch good executives to overseas branches. In this paper, we analyze what kinds of characteristics and traits a bank's manager in an overseas branch should have by using the fuzzy Delphi method (FDM). The purposes of the research are: Firstly, to analyze what kinds of characteristics and traits a bank's manager in an overseas branch should have. Secondly, to compare the differences between managers in overseas branches in Japan and Hong Kong by using the Wilcoxon rank sum test. Thirdly, establish the dispatch criteria with Artificial Intelligence (AI) and FDM methods. Through the examination of FDM, a fuzzy referent model framework for the bank’s dispatch in the overseas branch is built. It is anticipated that the fuzzy framework will provide a more objective means for the dispatch of appropriate personnel for overseas branches.
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Vadrale, Kavita S., and V. P. Katti. "Branch Productivity of Selected Indian Public and Private Sector Banks." Contemporary Social Sciences 27, no. 4 (October 1, 2018): 135–46. http://dx.doi.org/10.29070/27/58315.
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Yuksel, Serhat, and Sinemis Zengin. "A Comparison of the Views of Internal Controllers/Auditors and Branch/Call Center Personnel of the Banks for Operational Risk." International Journal of Finance & Banking Studies (2147-4486) 5, no. 4 (July 21, 2016): 10–29. http://dx.doi.org/10.20525/ijfbs.v5i4.568.
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The aim of this paper is to compare the views of internal controllers/auditors and branch/call center personnel of the banks with respect to the operational risk. Within this scope, we made two different surveys to the personnel in Turkish banks in order to achieve this objective. The first survey was conducted by 310 branch and call center personnel whereas 151 personnel in internal control and audit departments of the banks carried out the second survey. The major finding in this study is that there is a difference in the views of these two groups regarding the evaluation of operational risk. In general, internal controllers/auditors look at the operational risk more negatively than branch/call center personnel. The personnel who control and audit operations in the bank think that operational risk knowledge level of branch/call center personnel is less sufficient, operational risk levels are higher, the controls to avoid this risk are less efficient than branch/call center personnel consider.
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Ahmed, Jaleel, Umar Farooq, Ahmad A. Al-Naimi, Mosab I. Tabash, and Krzysztof Drachal. "Empirical Linkages between Branching, Lending, and Competition: A Study of Pakistani Banks." Economies 11, no. 5 (May 11, 2023): 145. http://dx.doi.org/10.3390/economies11050145.
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This study examines the relationship between branching, lending, and competition in Pakistani banks. Due to denationalization, Pakistani banks started to increase their branch networks and change loan and deposit policies. To check the effect of geographic diversification and distance on the performance of banks, the market power of loans and deposits, and the effect of large and medium banks on the performance of small banks, a sample of commercial banks is selected. The study finds that geographic diversification and distance between bank branches and headquarters do not affect the performance of the banks, but geographic diversification of banks in different areas affects the market power of loans and deposits. The results show that medium and large banks do not affect the performance of the small banks because small banks are better performing in the local market. Medium and large banks are affected by the market power of the loans and deposits of small banks. The study recommends an important policy regarding branch management and its effect on bank performance.
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Carbó‐Valverde, Santiago, Pedro J. Cuadros‐Solas, Francisco Rodríguez‐Fernández, and José Juan Sánchez‐Béjar. "Digital innovation and de‐branching in the banking industry: Customer perception and satisfaction." Global Policy 15, S1 (March 2024): 8–20. http://dx.doi.org/10.1111/1758-5899.13313.
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AbstractIn the ever‐changing landscape of the banking industry, digital transformation has become a major challenge. Banks are transitioning towards digitalisation by utilising information and digital technologies while reducing their branch networks. This paper investigates the relationship between technological innovation and banking customers' perception and satisfaction. By analysing a comprehensive consumer finance survey, we assess how the digital transformation of banks is perceived by customers and its impact on their satisfaction. Our results demonstrate that customer perceptions of a bank's digital innovativeness are positively associated with effective digital transformation. Customers tend to be more satisfied with banks that have a higher degree of digitalisation. Furthermore, our findings reveal that customers view banks as more innovative when the reduction in bank branches since the pandemic has been more intense. These insights shed light on the technological transformation of banks and its influence on their customers, providing valuable information for banks seeking to navigate the digital landscape and improve customer satisfaction.
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Davis, SG, GB Kleindorfer, ET Reutzel, and GA Kochenberger. "Processing center location analysis for multiple branch banks." Omega 17, no. 2 (January 1989): 169–75. http://dx.doi.org/10.1016/0305-0483(89)90008-x.
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Uppal, R. K. "Global Crisis: Problems and Prospects for Indian Banking Industry." Journal of Economics and Behavioral Studies 2, no. 4 (April 15, 2011): 171–76. http://dx.doi.org/10.22610/jebs.v2i4.234.
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The present paper analyses the efficiency of all the bank groups in the post- banking sector reforms era. Time period of the study is related to second post-banking sector reforms (1999-2000 to 2005-06). This period has been chosen taking into consideration the following factors; On the basis of some parameters of efficiency i.e. profitability per employee, per branch, business per employee, per branch and expenses per employee and per branch, the paper concludes that efficiency of all the bank groups has increased in the second post-banking reforms period but these banking sector reforms are more beneficial for new private sector banks and foreign banks. At the end, paper suggests some measures for the improvement of efficiency of Indian nationalized banks.
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Gibilaro, Lucia, and Gianluca Mattarocci. "Cross-border banking and foreign branch regulation in Europe." Journal of Financial Regulation and Compliance 29, no. 3 (May 13, 2021): 280–96. http://dx.doi.org/10.1108/jfrc-08-2020-0072.
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Purpose This paper aims to examine the relevance of cross-border activity in the European banking sector, evaluating the role of differences in regulation to explain the level of interest in entering foreign markets. Design/methodology/approach The sample considers all banks in the European Union (EU 28) existing at year-end 2017, and information about the ultimate owners’ nationality to classify local and foreign banks is collected. The analysis provides a mapping of regulatory restrictions for foreign banks and evaluates how they impact the role of foreign players in the deposit and lending markets. Findings Results show that the lower are the capital adequacy requirements, the higher are the amounts of loans and deposits offered by non-European Economic Area banks and, additionally, the higher the probability of having a foreign bank operating in the country. Originality/value This paper provides new evidence on regulatory arbitrage opportunities in the EU and outlines differences among EU countries not previously studied.
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Manandhar, Raju Bhai. "Fund Transfer Pricing: An Empirical Evidence from Nepalese Commercial Banks." Nepal Journal of Multidisciplinary Research 5, no. 3 (October 10, 2022): 119–26. http://dx.doi.org/10.3126/njmr.v5i3.48827.
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Funds Transfer Pricing (FTP) is considered the most potent and valuable component of any profitability measurement system for financial institutions. It is a process that assigns funding costs to asset originators (loans) and funding credits to liability providers (deposits). The study's objective was to measure the awareness and collect opinions regarding FTP practice in Nepal based on a survey of the opinions of branch managers of Nepalese Commercial Banks. The study followed a descriptive research design. All branch managers of Nepalese commercial banks were considered population, of which 40 branch managers were sampled using the purposive sampling technique. The branch managers were interviewed through personal meetings and telephone using structured open-ended questions to have information regarding the attitude of practitioners on the FTP system. Data has been analyzed based on one-to-one interviews. The study reveals that only 25 branch managers were found to have enough awareness of the FTP system. Thus, further study was focused on 25 branch managers. Negative responses were found regarding the possibility of an independent negotiated FTP system among branches. In conclusion, the practice of advanced FTP systems results in higher productivity among branches, so Nepalese managers should reasonably know about the FTP system.
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CHEN, Chien-Hsun. "Foreign Banks in China." East Asian Policy 06, no. 02 (April 2014): 86–98. http://dx.doi.org/10.1142/s179393051400018x.
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As Chinese government policy has evolved, so have the models adopted by foreign banks for developing their branch networks in China. Burdensome regulation and unequal treatment compared to those for Chinese banks have impeded the speed and scope of foreign banks' operation. China's deepening financial reforms could provide a fair and competitive environment for foreign banks' penetration, offering openings for foreign banks to participate more extensively in the Chinese economy.
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Hendrickson, Jill M., Mark W. Nichols, and Daniel R. Fairchild. "Bank branch location and stability during distress." Journal of Financial Economic Policy 6, no. 2 (May 6, 2014): 133–51. http://dx.doi.org/10.1108/jfep-07-2013-0026.
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Purpose – The purpose of this paper is to examine the impact of bank branch location on the likelihood of bank failure during the most recent financial crisis. Design/methodology/approach – This paper estimates the probit regression to identify the causes of bank failures and attempts to determine the role of branch location in bank performance. Findings – Using data from failed and surviving banks in Georgia and Florida, this paper finds that diversifying the balance sheet and operating in more competitive markets reduced failure rates, but branching intensity, measured by number of branches and distance of branches from the home office did not significantly reduce the probability of failure. This suggests that, at least in today ' s market, it is not important to bank stability to have a branching network a significant distance from the home office. Originality/value – This paper carefully considers the role of branch location in the likelihood of bank failure during financial distress. As such, it contributes to the historical policy debate regarding regulation prohibiting or minimizing banks ' ability to branch. It also contributes to our understanding of how banks structure their branching networks in the contemporary banking environment.
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SARISAKALOGLU, Gazi, and Mustafa BILGIN. "Analyzing the Impacts of Restructuring on the Turkish State-Owned Banks." Journal of Economic Development, Environment and People 6, no. 4 (December 23, 2017): 41. http://dx.doi.org/10.26458/jedep.v6i4.564.
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The subject of this research is to compare the performance based on determined criteria of the state owned banks in Turkey before 10 years and after 14 years from 2001 the date they were included in a restructure program. The t-test method is used in the study. According to the results of the analysis, it was concluded that the most successful state-owned bank was Halkbank with a small margin in front of Ziraat Bank after the year that the restructuring program was implemented. Ziraat Bank, as well as having the second most positive development of public banks in terms of analysis ratios, it has almost equal proportions with Halkbank in terms of asset quality and branch ratios. Halkbank is ranked first as usual in terms of branch ratios. All state owned banks are subject to the close rates for branch ratios. When evaluating the performance of public banks in general over a total of 36 criteria, they showed positive development for 26 criteria. That means after the restructuring program that we called 2nd period in the study public banks became more successful based on established criteria.
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Hwang, Dar-Yeh, Alice C. Lee, Chi-Chun Liu, and Lishu Ouyang. "Balanced Performance Index and Its Implications: Evidence from Taiwan's Commercial Banks." Review of Pacific Basin Financial Markets and Policies 12, no. 01 (March 2009): 27–62. http://dx.doi.org/10.1142/s0219091509001538.
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Taking into account only financial factors does not provide complete information on performance. This paper takes into consideration of both financial and non-financial performances when evaluating 35 sampled publicly traded commercial banks in Taiwan. The performance of banks is measured using an indexing method consisting of financial and non-financial measures. Banks are classified into two categories according either to the year founded, or to the type of major stockholders of a bank when founded. The results show that privatized government-owned/old banks are larger than private/new banks, respectively. Moreover, privatized government-owned banks have significantly higher financial performance index than private banks but both types of banks are not significantly different from each other in non-financial performance index. New and old banks are not significantly different from each other in both financial and non-financial performance indexes. With relatively large scale, higher profitability and better management, banks will perform relatively better among competitors in the following year. Furthermore, non-financial factors are important predictors of future financial and total performance indexes, though individual factor may not be consistently significant. More branch offices, better capital structure and solvency, and higher rates of growth in deposits and loans all result in more profits, and lead to higher customer satisfaction and more efficient management. Providing better technology to customers is an efficient way in promoting customer services, which in turn produces more profits and results in efficient management. CEOs, on average, have plans for better management and more profits. Among the factors that have direct and positive impacts on profitability, increasing the efficiency of management is the most efficient way. On the contrary, adding more branch offices contributes the least profits. Therefore, to increase bank profits, CEOs should aim to improve bank management, capital structure and solvency, rather than to add more branch offices.
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Heard, Christopher, Flavio M. Menezes, and Alicia N. Rambaldi. "The dynamics of bank location decisions in Australia." Australian Journal of Management 43, no. 2 (September 6, 2017): 241–62. http://dx.doi.org/10.1177/0312896217717572.
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This article exploits a large panel to study trends in, and determinants of, the decisions made by the four largest Australian banks about whether to establish or maintain branch- and automated teller machine (ATM)-level presence in a local market between 2002 and 2013. These decisions are potentially important for competition in local banking markets. Our analysis suggests that past presence is the most important factor for explaining current presence in a particular local market. Moreover, we present evidence that the four largest banks co-locate branches. The relationship between the location of other (smaller) banks and the location of the four largest banks is less clear; there is some limited evidence that this relationship is negative for two of the four largest banks. Our results also suggest that the four largest banks displayed changed behaviour in terms of their branch location decisions after the global financial crisis and that the changes differed between banks. Our analysis of ATM location decisions reveals that the four largest banks follow different strategies. These results suggest that Australian banks did not shy away from this limited form of competition, either before or after the global financial crisis (GFC). JEL Classification: C23, D43, G21, L13
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Anum, Fatima, Ifrah, Lyba, and Javaria Sajjad. "Leveraging Digitalization and Servitization to Improve Financial Performance: An Empirical Analysis." Journal of Policy Research 10, no. 2 (June 1, 2024): 75–89. http://dx.doi.org/10.61506/02.00209.
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This research investigates the interplay between digitalization, servitization, and Corporate Social Responsibility (CSR) in influencing the financial performance of Pakistani banks. The study addresses a critical gap by examining how these factors combine to impact bank profitability in the contemporary landscape of digital transformation and evolving customer demands. A quantitative approach is employed, utilizing survey data collected from branch managers in Pakistani banks. Standardized scales measure digitalization, servitization, CSR, and bank performance. The findings demonstrate a positive direct effect of digitalization on bank performance. Furthermore, servitization strengthens this positive impact, suggesting that banks offering a comprehensive suite of services alongside traditional products achieve superior financial outcomes. Notably, the study reveals no significant short-term contribution of CSR to a bank's financial performance. Thus, the study sheds light on the crucial role of servitization in amplifying the positive effects of digitalization on bank performance. By strategically integrating services with products, banks can leverage digital technologies to become more data-driven and enhance their financial health.
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Mainata, Dedy. "Faktor-Faktor yang Mempengaruhi Performa Automatic Teller Machine (ATM) pada Bank Syariah Mandiri Cabang Tenggarong Seberang." Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan 3, no. 2 (December 27, 2019): 259. http://dx.doi.org/10.35931/aq.v3i2.167.
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Automatic Teller Machine (ATM) is a machine that can serve the needs of customers automatically at any time (24 hours) and 7 days a week including holidays. Location ATMs in strategic places. Efforts to improve the bank's fee-based income (FBI) also reflected the addition of machines ATM as one source of FBI of banks. Problems often seen on ATM in Islamic banks is service excellent. ATM location selection is one of the things that can affect the performance of the ATM. ATM placements in strategic locations that do not will have an impact on the quantity of the ATM transactions.
The purpose of this study to find out what are the factors that affect the performance of ATM and the dominant factor affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang. This type of research is descriptive qualitative research sample is purposive sampling.
Factors affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang is a potential FBI, service excellent and marketing strategies.
The dominant factor affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang is service excellent. Tenggarong Seberang local community character is not so concerned related to cleanliness and speed of service. The most important thing is the availability of money at an ATM, however cleanliness, convenience and speed of transaction is part of the services should still be maintained BSM Tenggarong Seberang branch.
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UTAMI, ISTIQLALIYAH TRI, and MUHAMMAD TAUFIQ. "ANALISIS YURIDIS KASUS PEMBOBOLAN REKENING PADA BANK MANDIRI." JURNAL ILMIAH LIVING LAW 10, no. 1 (January 30, 2018): 58. http://dx.doi.org/10.30997/jill.v10i1.1493.
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The identifications of this research are: 1) How did the customer's account break into the Depok Branch of Bank Mandiri ?; 2) What is the bank's responsibility towards the customer who is a victim of a Bank Mandiri Depok branch burglary? The research method used in this study is a normative juridical approach, namely law is conceived as a norm, rule, principle or dogmas / jurisprudence. The results of this study are: The form of corporate responsibility according to the law in an effort to provide protection for customers who have suffered losses on funds in their accounts can be done in non-litigation and litigation. Non-litigation reports to Indonesian banking mediation institutions, while litigation is through the court. Suggestions for this research, namely: 1) There needs to be a guarantee that means for customers who have entrusted their funds to banks; 2) The government must pay more attention to the activities of banks, especially for Bank Indonesia as a supervisor and supervisor of banking activities so that in this case the bank is more responsible.
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Shrestha, Indira. "Is There a Glass Ceiling in Nepalese Commercial Banks?" International Journal of Scientific Research and Management 11, no. 02 (February 27, 2023): 4641–49. http://dx.doi.org/10.18535/ijsrm/v11i02.em12.
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This paper aims to ascertain whether there are glass ceilings in Nepalese commercial banks. All of the female branch managers employed by Nepalese commercial banks made up the study's population. 144 women branch managers from commercial banks were taken as the sample size. The sample was drawn from the population using simple random sampling. Information from respondents was gathered through the use of a standardized questionnaire. The survey's questions were based on questions that were derived from (Bergman & Hallberg, 2000). With the aid of statistical techniques like percentage and frequency, a descriptive research approach was used. The glass ceiling variables that could impact women's career growth were corporate culture, corporate climate, and corporate practice. The findings showed that women generally had favorable perceptions of the glass ceiling factors (corporate culture, corporate climate, and corporate practices) that contribute to the presence of the glass ceiling. limitation of the study is that only female branch managers were included in the sample. The implications and scope for the future researcher are also covered.
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Zuhair Al-abedallat, Abedalfattah, Ali Bakhit Jaafreh, and Duraid Kamel Alshbib. "The Automation Of Robotic Processes In Jordanian Banks: Obstacles And Applications." European Scientific Journal, ESJ 17, no. 21 (June 30, 2021): 350. http://dx.doi.org/10.19044/esj.2021.v17n21p350.
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Abstract This paper focuses on identifying the impact of technical and financial obstacles to the applications and expansion of the smart branches of banks in Jordan. This, however, depends on the Automation of Robotic Processes to identify the reality of applying smart branches in the world, including Jordan. The study employed a sample of 100 employees selected in an equal random manner from 25 Jordanian banks. With its spreading strands, multiple linear regression was used to test the hypotheses of the study. The study concluded that the expansion of banks of smart branches (robots) contributes to reducing operational cost and increasing the bank's profits by reducing the cost of banking service, enhancing its quality, increasing the market share of banks, and reducing the technical and financial obstacles that have a significant impact on the expansion of the smart branches of banks. The study recommended the importance of the development of smart branches of banks in Jordan due to its benefits in reducing the costs of the provided banking service. This contributes to increasing its profits. Also, banks should hold specialized training courses for bank workers on how to use the new technology. Banks should also allocate funds needed to create the essential infrastructure for the smart branch Applications of Artificial Intelligence, as this has an impact in achieving competitive advantage.
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Mahayana, I. Made Pradityarjuna Mahatmyam, and Dony Abdul Chalid. "The Effect of Market Power on Bank’s Net Interest Margin: The Moderating Role of Financial Access." Journal of International Conference Proceedings 4, no. 1 (July 22, 2021): 129–39. http://dx.doi.org/10.32535/jicp.v4i1.1134.
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The research focuses on determining the effect of commercial bank’s market power on net interest margin and the moderating role of financial access. The study uses annual data of 33 commercial banks in Indonesia from 2012 to 2019 based on the category of State-Owned Commercial Banks and National Private Commercial Banks. The data is obtained from secondary data, using financial reports published by commercial banks. The data is analyzed using moderated regression analysis to estimate two models, basic model is used to estimate the effect of market power on net interest margin, while the interaction model is used to estimate the moderating effect of financial access. Market power was measured using the Lerner index of each bank. Financial access was measured by the number of branches and the availability of electronic banking channels such as mobile banking, internet banking, and digital branch. The results show that the increase in commercial bank’s market power significantly increases net interest margin. Other results also show that branch and mobile banking & internet banking significantly moderate the effect of market power on the net interest margin, while the digital branch is not significantly moderating the relationship between market power and net interest margin.
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Prasetya, Ahmad Arif, Utpala Rani, and Siti Afidatul Khotijah. "ANALYSIS OF THE FACTORS CAUSING PROBLEMATIC FINANCING AT BANK SYARIAH INDONESIA MAGELANG SINGOSARI SUB-BRANCH OFFICE." CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE 2, no. 1 (December 16, 2022): 234–43. http://dx.doi.org/10.55047/cashflow.v2i1.471.
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Indonesian Islamic banks are banks in Indonesia engaged in Islamic banking in financial institutions that meet the public's needs for financing transactions. Bank Syariah Indonesia Magelang Singosari Sub-Branch Office is having problems with financing. Factors that cause problematic financing come from internal factors and external factors. This research aims to find out what factors cause problematic funding at Indonesian Sharia banks, the Magelang Singosari Sub-Branch Office and to find out how to deal with ineffective financing at the Indonesian Sharia Bank, the Magelang Singosari Sub-Branch Office. This research method uses qualitative data types. The data in this study were collected and organized, and sorted in a certain pattern so that the data is determined and sorted according to the research discussion. The causes of unfavorable financial conditions are internal factors and external factors at Bank Syariah Indonesia Sub-Branch Office Magelang Singosari, internal factors the bank does not delve into in the analysis of prospective customers, external factors in particular 1) the possibility that the customer wants to pay before maturity but cannot pay it off due to a disaster the customer does not have the income to pay for the financing that is due 2) the intentional factor of the customer intentionally delaying payment of funds that are due.
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Lu, Guangyu. "Research on Digital Transformation Development Strategy of GX Branch of China Construction Bank." Frontiers in Business, Economics and Management 8, no. 2 (April 6, 2023): 207–12. http://dx.doi.org/10.54097/fbem.v8i2.7150.
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Banking is the main body of modern finance and the hub of national economy. At the same time, the digital innovation boom also provides new development ideas and opportunities for the traditional financial industry. Digitalization not only brings new vitality to commercial banks, but also has an unprecedented impact on them. How to actively cope with the impact of digitalization on commercial banks and smoothly carry out digital transformation has become an urgent problem for all commercial banks to face. On the basis of summarizing the characteristics of digital development and the research results of its impact on commercial banks, this paper takes GX Branch of China Construction Bank as the research object, and analyzes the existing problems in its digital transformation and development from the perspectives of corporate business, retail business and internal management from the perspective of its overall situation and digital development status. The main reasons lie in the lack of differentiation of digital strategy, the lack of fit between business needs and digital technology, and the difficulty of organizational structure to adapt to the agile culture of digital enterprises. Finally, the paper puts forward corresponding countermeasures and suggestions from the aspects of building differentiated digital transformation development strategy and improving business operation capability. Theoretically speaking, it is beneficial to enrich the research of bank digital development and promote the continuous enrichment and development of digital transformation theory. In the practical sense, through the in-depth analysis of China Construction Bank GX Branch, combined with the current problems in the digital transformation of China Construction Bank GX Branch, put forward the corresponding countermeasures and suggestions. This is not only conducive to the continuous improvement of the digitization level of the GX branch of China Construction Bank, but also provides experience for the digital transformation and development of interbank banks under the new situation.
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Lu, Guangyu. "Research on Digital Transformation Development Strategy of GX Branch of China Construction Bank." Frontiers in Business, Economics and Management 8, no. 2 (April 6, 2023): 207–12. http://dx.doi.org/10.54097/fbem.v8i2.7151.
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Banking is the main body of modern finance and the hub of national economy. At the same time, the digital innovation boom also provides new development ideas and opportunities for the traditional financial industry. Digitalization not only brings new vitality to commercial banks, but also has an unprecedented impact on them. How to actively cope with the impact of digitalization on commercial banks and smoothly carry out digital transformation has become an urgent problem for all commercial banks to face. On the basis of summarizing the characteristics of digital development and the research results of its impact on commercial banks, this paper takes GX Branch of China Construction Bank as the research object, and analyzes the existing problems in its digital transformation and development from the perspectives of corporate business, retail business and internal management from the perspective of its overall situation and digital development status. The main reasons lie in the lack of differentiation of digital strategy, the lack of fit between business needs and digital technology, and the difficulty of organizational structure to adapt to the agile culture of digital enterprises. Finally, the paper puts forward corresponding countermeasures and suggestions from the aspects of building differentiated digital transformation development strategy and improving business operation capability. Theoretically speaking, it is beneficial to enrich the research of bank digital development and promote the continuous enrichment and development of digital transformation theory. In the practical sense, through the in-depth analysis of China Construction Bank GX Branch, combined with the current problems in the digital transformation of China Construction Bank GX Branch, put forward the corresponding countermeasures and suggestions. This is not only conducive to the continuous improvement of the digitization level of the GX branch of China Construction Bank, but also provides experience for the digital transformation and development of interbank banks under the new situation.
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Safitri, Rizky Nur, Nahar Alang Abdul Ghani, and Eli Agustami. "PENERAPAN AKAD MURABAHAH PADA PEMBIAYAAN KPR SYARIAH DI BANK SUMUT SYARIAH CABANG RINGROAD MEDAN SELAYANG." MUTLAQAH: Jurnal Kajian Ekonomi Syariah 3, no. 1 (November 3, 2022): 15–23. http://dx.doi.org/10.30743/mutlaqah.v3i1.6139.
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A house is a basic human need, but the soaring house prices rarely make people able to buy a house in cash. This is where the Bank bridges the interests of home buyers and sellers by offering mortgage products (House Ownership Credit), but the interest system used in conventional banks is a usury transaction which is prohibited for Muslims. The emergence of Islamic banking is a positive thing for Muslims who need facilities from usury-free banking. However, the development of Islamic banks in Indonesia is still far below that of conventional banks, this is an illustration that most of the Muslim community in Indonesia do not fully believe in using Islamic banks. On this basis, the author examines and discusses the application of the murabahah contract in Islamic mortgage financing at the North Sumatra Islamic Bank branch Ringroad Medan Selayang. This research is a descriptive qualitative research with case study theory which aims to describe the application of murabahah contracts to Islamic mortgage financing at the North Sumatra Islamic Bank Ringroad Medan Selayang branch and to find out how the implementation of murabahah contracts in Islamic mortgage financing at Bank Sumut Syariah Ringroad Medan Selayang Branch and how the impact of the implementation of the murabahah contract on Islamic mortgage financing at Bank Sumut Syariah Ringroad Medan Selayang Branch. Techniques for collecting data using interview techniques, namely by conducting questions and answers with officers, employees and authorities (authorized) and documentation to seek information regarding the implementation of murabahah contracts in Islamic mortgage financing. The data analysis technique used descriptive method. The results of this study, the implementation of the DSN-MUI fatwa on murabahah on the practice of murabahah financing in Sharia mortgage financing carried out by the Harmoni branch of BTN Syariah is appropriate and implemented especially in the murabahah bil wakalah financing model and treatment for defaulting customers..
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Rossini, Christine. "Cross-Border banking in the EC: Host Country powers under the Second Banking Directive." European Review of Private Law 3, Issue 4 (December 1, 1995): 571–90. http://dx.doi.org/10.54648/erpl1995043.
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Abstract. The Second Banking Directive revolutionised the banking industry of Europe by setting new standards under which banks of all Member States could branch into any other Member State. By requiring that the host State recognise home country licensing and supervision of the bank, it enables banks to branch across borders bringing their legal environment with them. However, the Directive reserved certain powers for the host State, the most unsettling of which is the power to apply its own law to the branch when it considers this to be in the “general good” – unsettling because it is not clear how the provision will be interpreted. This article examines four national laws to consider whether their application to a branch bankin that territory should be permitted under the general good clause of the Directive, and it develops a concept by which this consideration may be made. Various preliminary issues are treated, in particular, which country is the home country of a bank, and when is a bank a branch deserving of mutual recognition under the Directive.
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Goyal, Sahil. "E-BANKING, ITS GROWTH & FUTURE IN INDIA." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 04 (May 1, 2024): 1–5. http://dx.doi.org/10.55041/ijsrem32541.
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Businesses make investments in e-business and the technology that supports it. Applications for e-business, like supply chain management and customer relationship management, boost innovative product and service offers, strong customer relationships, and transaction efficiency and scope economies. Companies find it challenging to turn these advantages into revenues or economic value, though. Many enterprises that have started online have failed to generate profits. According to a 2001 AMR Research Inc. survey, businesses would continue to spend more on e- business even in a recession. At best, though, these investments have yielded a mediocre return. Conventional Banking To conduct standard banking functions including cash withdrawals, fund transfers, and account inquiries, clients must physically visit the bank's branch. However, clients using e-banking can complete these transactions 24/7 from the comfort of their homes or workplaces using desktops or laptops and electronic media. We call this banking—anytime, anyplace. Consumers don't need to wait in line, deal with tellers, deal with constrained banking hours—all they need to do is visit the bank's website to examine their account details and do transactions as needed. The Banking System in India Scheduled and non-scheduled banks were distinguished under the Reserve Bank of India Act, 1934. The Second Schedule of the RBI Act, 1934 lists scheduled banks, which include state co-ops, regional rural banks, and commercial banks (both foreign and Indian). The banks not listed in this schedule are considered non-scheduled. Three types of banks comprise India's organized banking system: co-ops, regional rural banks, and commercial banks. The Reserve Bank of India, the nation's highest monetary and financial body, is in charge of managing the banking sector. Banks for commerce, which have been in place for many years encourage urban savings and make them available to trading and industrial organizations for working capital needs. Commercial banks were divided into public sector banks, sometimes known as nationalized banks, and private sector banks after 1969.
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Lestari, Devi. "IMPLEMENTASI FOUR EYES PRINCIPLE PADA BANK KALBAR SYARIAH CABANG SAMBAS." Sebi : Studi Ekonomi dan Bisnis Islam 5, no. 1 (March 1, 2023): 65–77. http://dx.doi.org/10.37567/sebi.v5i1.1734.
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Bank is a business entity that collects funds from the public in the form of savings and distributes them to the public in the form of credit and/or other forms in order to improve the standard of living of the people at large.Islamic banks or commonly referred to as interest-free banks, are banking institutions whose operations and products are developed based on the Al-Qur'an and the Hadith of the Prophet SAW. In other words, Islamic banks are financial institutions whose main business is providing financing and other services in payment traffic and money circulation whose operations are in accordance with Islamic sharia principles.In developing countries like Indonesia, bank activities, especially in lending, are one of the most important and main bank activities so that income from credit is the largest income. Therefore the risk of loss from lending is also large, so to avoid large risks, banks must apply the Four Eyes Principle system. This research uses a type of descriptive qualitative research, which only describes situations and events that come from interviews and observations. The benefit of this research is to find out whether the four eyes principle has been properly implemented at the Sambas Branch of the Sharia Bank Kalbar. The results of this study indicate that so far the Sambas Branch Sharia Bank Kalbar has implemented the Four Eyes Principle in banking activities carried out by the Sambas Branch Sharia Bank, it has been proven that so far there have been no problems or obstacles faced by the Sambas Branch Sharia Bank in channeling financing / credit.
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Khalil Shami, Majed. "Relationship between financial performances and marketing practices in the banking sector of Jordan." Banks and Bank Systems 14, no. 1 (January 15, 2019): 11–19. http://dx.doi.org/10.21511/bbs.14(1).2019.02.
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The study aims at analyzing the relationship between financial performances and marketing practices in the banking sector of Jordan. A questionnaire was distributed to 45 top, middle, and branch level managers of 15 banks. The financial data was obtained from the financial statements and annual reports of the banks during the five-year period between 2011 and 2015. The three categories of participants, who were recruited, were top-level managers, middle-level managers and branch-level managers from 17 banks of Jordan. No two means were found to differ significantly at 0.05 level by means of Scheffe test. The results revealed that the more positive the perception was of the managers regarding the position of their banks in the market, the more they were inclined to choose an accurate target market in accomplishing their marketing objectives. Therefore, it has been concluded that when the financial needs of the customers were similar, the change in the loan-to-deposit ratio was significantly positive.
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Darkhabani, Maram. "IMPACT OF COVID-19 PANDEMIC ON THE RISK AND RETURN TRADE-OFF: THE ROLE OF DIVERSIFICATION." EUrASEANs: journal on global socio-economic dynamics, no. 3(34) (May 30, 2022): 71–82. http://dx.doi.org/10.35678/2539-5645.3(34).2022.71-82.
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The Covid-19 pandemic triggered a sharp decline in asset values. As a result, a well-diversified portfolio over many industries provides the portfolio with the stability it needs to sustain against losses. Diverse financial assets and industries would differ significantly throughout history, whether the economy has been growing or not. Financial decisions must not be designed mainly based on a response to recent incidents but on long-term plans that implement diversification concepts.
The population of the research includes 39 Lebanese commercial banks. Using the annual reports of five different banks, we have compiled secondary data that contain the most often used ratios like ROE as a unit of measurement for the financial performance of the banks.
Risk management programs and bank performance, notably ROA and ROE, are commonly accepted to correlate. As a result, branch managers' inspections were an active credit risk assessment approach that had a favourable influence on the banks' financial stability. Findings also indicated that the traditional Bank's ROE profitability is strongly linked to its credit risk assessment strategy, as shown by regression analysis.
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Ahmad, Ardhi Seiva, Ahmad Khoirur Rohim, Muhammad Arif Billah, and Achmad Room Fitrianto. "The Risk Management of Gold Pawn Product in Bank Syariah Indonesia (BSI) Krian Branch." JURNAL AL-QARDH 6, no. 2 (December 31, 2021): 49–61. http://dx.doi.org/10.23971/jaq.v6i2.3537.
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The purpose of this research is to analyze the risk management of the BSI gold pawn product in the BSI Krian branch. This research is a qualitative research. In this research, the official of BSI Krian branch served as key informants which have a adequate knowledge about financing process BSI gold pawn. Data collection conducted through interview, documentation, and observation techniques. The result of this research shows that BSI Krian branch implements risk management on the BSI gold pawn product. There are four steps in the process of implementing risk management on the gold pawn product BSI Krian branch; risk identification, risk measurement, risk monitoring, and risk control. Besides implement risk management BSI Krian branch has prepared risk mitigation on the gold pawn product. The mitigation processes are to mitigate the miss gold estimation accuracy, the gold storage risk, the risk of payment failure or jamming, the last but not least is mitigate the gold price drop. In the implementation of risk management and risk mitigation by BSI Krian Branch there are two obstacles those are from internal and external banks. In the effort to face that obstacles, BSI Krian branch has had an effort to overcome both from internal and external banks. With the implementation of risk management on the gold pawn product by BSI Krian branch can prevent and minimize the risk which arise from that financing
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Gocha Abutidze, Gocha Abutidze. "SWITZERLAND BANKING SYSTEM – MODERN TRENDS AND PROSPECTS." PIRETC-Proceeding of The International Research Education & Training Centre 104, no. 1-2 (April 4, 2021): 219–29. http://dx.doi.org/10.36962/ecs104/1-2-219.
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In Switzerland’s banking sector, the pandemic has caused changes, although not on the same scale as in other countries. Switzerland’s banks, unlike banks in other countries, continue to do well financially. They have much less need to save money and therefore have little incentive to close their branches. However, as in the rest of the world, in recent years Switzerland has seen a downward trend in the number of branches and staff members. In 2019, more than 50 of the largest banks in the world laid off about 77,780 employees. An 82% laid off was made by European banks. Over the past 6 years, credit institutions have laid off 425,000 employees worldwide. This trend is exacerbated by the instability associated with the pandemic and prolonged waves of quarantines around the world, forcing financial institutions to move to remote service channels and reduce number of branchs. Consequently, today many more Switzerland’s banks are already considering staff reductions. In this way, banks plan to withstand growing competition, a decline in profitability and losses from the pandemic. The coronavirus has changed not only the attitude and policies of banks towards their business or the way customers conduct banking transactions, but also the payment habits of consumers: cards and smartphones have largely replaced cash. Keywords: Bank, Switzerland's Financial Center, Bank Branch, ATM, Bank Employees.
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Calomiris, Charles W., and Larry Schweikart. "The Panic of 1857: Origins, Transmission, and Containment." Journal of Economic History 51, no. 4 (December 1991): 807–34. http://dx.doi.org/10.1017/s0022050700040122.
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We explain the origins of the Panic of 1857, examine its spread, and compare state banking systems's responses. We describe the decline in western land and railroad investments and the consequent stress on securities brokers and banks in eastern cities, and trace the transmission of the shock to other regions. Bank performance depended not only on regional conditions and links to eastern banks, but on the ability to coordinate behavior. Southern branch banks and coinsuring banks in Ohio and Indiana were particularly successful.
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Smith, David P. J., and Ercole Albertini. "A spiritual audit of a retail branch in a South African Bank." SA Journal of Human Resource Management 6, no. 1 (October 24, 2008): 10–21. http://dx.doi.org/10.4102/sajhrm.v6i1.130.
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The purpose of this study was to investigate whether or not employees in a branch of one of the leading South African banks are spiritually fulfilled at work, whilst living the values of the bank. The results indicate that employees in the branch are spiritually fulfilled at work, that they seem to be “living the values”, and that they believe the branch to be a spiritual workplace. The results are linked to certain interventions in the branch, and these interventions could be replicated across the branch network, reaping the advantages of a spiritual workplace.
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Gautam, Chintamani. "An Opinion Survey on FTP System among Branch Managers of Commercial Banks of Nepal." PYC Nepal Journal of Management 9, no. 1 (August 31, 2016): 44–59. http://dx.doi.org/10.3126/pycnjm.v9i1.41122.
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Funds Transfer Pricing (FTP) is a process that assigns funding costs to asset originators (loans) and funding credits to liability providers (deposits). It is one of the powerful and useful components of any profitability measurement system for financial institutions. This study aimed to survey the opinions of branch managers of Nepalese Commercial Banks in order to measure the awareness about FTP and to collect opinions regarding its practice in Nepal. A total of 140 branch managers were approached for the data collection. Out of them only 88 branch managers were found having awareness on FTP system. Therefore, detail analysis was made on the basis of responses of only 88 respondents. The survey revealed that Nepalese branch managers agree on the advantages of FTP system in bank branches, but they lacked enough skill of FTP system. The awareness of branch managers is depended more on their work experience than on job level of managers.
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Chandra Muhardani, Sigit, and Maskupah. "IMPLEMENTASI AKAD PEMBIAYAAN MURABAHAH PADA BANK KALBAR SYARIAH CABANG KABUPATEN SAMBAS." Sebi : Studi Ekonomi dan Bisnis Islam 5, no. 2 (June 19, 2023): 1–15. http://dx.doi.org/10.37567/sebi.v5i2.1741.
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Bank is a business entity that collects funds from the public in the form of savings and distributes them to the public in the form of credit and/or other forms in order to improve the standard of living of the people at large.Islamic banks or commonly referred to as interest-free banks, are banking institutions whose operations and products are developed based on the Al-Qur'an and the Hadith of the Prophet SAW. In other words, Islamic banks are financial institutions whose main business is providing financing and other services in payment traffic and money circulation whose operations are in accordance with Islamic sharia principles.In developing countries like Indonesia, bank activities, especially in lending, are one of the most important and main bank activities so that income from credit is the largest income. Therefore the risk of loss from lending is also large, so to avoid large risks, banks must apply the Four Eyes Principle system. This research uses a type of descriptive qualitative research, which only describes situations and events that come from interviews and observations. The benefit of this research is to find out whether the four eyes principle has been properly implemented at the Sambas Branch of the Sharia Bank Kalbar. The results of this study indicate that so far the Sambas Branch Sharia Bank Kalbar has implemented the Four Eyes Principle in banking activities carried out by the Sambas Branch Sharia Bank, it has been proven that so far there have been no problems or obstacles faced by the Sambas Branch Sharia Bank in channeling financing / credit.
Keywords: Implementation, Four Eyes Principle
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Bheda, Anandkumar J., and Dr Arvind M. Gajera. "An Exploratory Research on Bhavnagar District Cooperative Bank Ltd – Evaluation of Profit Per Branch Ratio and Net Profit to Net Assets Ratio." RESEARCH REVIEW International Journal of Multidisciplinary 6, no. 12 (December 15, 2021): 191–98. http://dx.doi.org/10.31305/rrijm.2021.v06.i12.029.
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Majorly 21 types of banks are functioning worldwide. Each and every bank plays important role in growth and development of economy of the nation. This research is focusing on district level banks of Gujarat State. Presently total 42 district level banks are functioning in Gujarat. Amid them, the orientation is taken in account to evaluate the financial performance based on two parameters – Profit per Branch Ratio and Net Profit to Net Assets Ratio of the bank. The research is examined for Bhavnagar District Co-Operative bank ltd for financial year 2013 to 2019. An application of t – test is used to examine the results. It is observed that there is significance difference between the yearly upgradation in Profit per Branch Ratio and Net Profit to Net Assets Ratio of the bank. The bank has progressively worked for Saurashtra region of Gujarat state.
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Boďa, Martin, and Katarína Čunderlíková. "Determinants of bank branch density: a case study of Slovakia." International Journal of Bank Marketing 38, no. 4 (March 23, 2020): 933–59. http://dx.doi.org/10.1108/ijbm-07-2019-0267.
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PurposeThis paper studies the density of bank branches in districts of Slovakia and aims to identify determinants that explain or justify districtural differences in the density of bank branches.Design/methodology/approachBank branch density is measured by the number of branches in a district, and banks are further differentiated by size and profile. Potential determinants of bank branch density are sought through univariate and bivariate Poisson regressions amongst economic factors, socioeconomic factors, technological factors, urbanization factors, and branch market concentration.FindingsUsing data from 2016, it has been found that branch numbers in districts are determined chiefly by five factors that describe their economic development, population size with its characteristics, and existent branch concentration. The spatial distribution of bank branches in the territory of Slovakia is not random, but is found to be affected by environmental factors measurable at the districtural level. Only 22 Slovak districts representing administrative or economic centers are expected to be over-branched.Practical implicationsThe study helps to identify factors that need be accounted for in planning and redesigning of branch networks or in implementing mergers and acquisitions on a bank level. The results are also useful in regional policy and regulatory oversight.Originality/valueThe present study is unique since the decision-making processes of Slovak commercial banks in planning the location and density of their branch networks have not been rationalized and researched as of yet.
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Kolari, James, Asghar Zardkoohi, Timo Santalainen, and Antti Suvanto. "Branch bank operating costs: evidence from savings banks in Finland." Applied Economics 24, no. 4 (April 1992): 401–10. http://dx.doi.org/10.1080/00036849200000014.
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Carlson, Mark. "Are Branch Banks Better Survivors? Evidence from the Depression Era." Economic Inquiry 42, no. 1 (January 2004): 111–26. http://dx.doi.org/10.1093/ei/cbh048.
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Carlson, Mark A. "Are Branch Banks Better Survivors? Evidence from the Depression Era." Finance and Economics Discussion Series 2001, no. 51 (2001): 1–38. http://dx.doi.org/10.17016/feds.2001.51.
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Maama, Haruna, and Emmanuel Okofo Dartey. "Branch banking variability and rural banks' performance: a GMM approach." Afro-Asian J. of Finance and Accounting 13, no. 5 (2023): 612–28. http://dx.doi.org/10.1504/aajfa.2023.133405.
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Maama, Haruna, and Emmanuel Okofo Dartey. "Branch banking variability and rural banks' performance: a GMM approach." Afro-Asian J. of Finance and Accounting 13, no. 5 (2023): 612–28. http://dx.doi.org/10.1504/aajfa.2023.10059009.
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Kulshreshta, U. C. "Role of Lead Banks in Branch Expansion-A Case Study." Indian Economic Journal 34, no. 1 (September 1986): 52–58. http://dx.doi.org/10.1177/0019466219860105.
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ShamsiNejhad, Seyad Said, Maedeh Dehnamaki, Amir Mehdiabadi, and Vahid Shahabi. "A Hybrid SWARA and MABAK Methods: To Identify Credit Risk of Bank Branches." Journal of Management and Accounting Studies 9, no. 01 (February 24, 2021): 45–64. http://dx.doi.org/10.24200/jmas.vol9iss01pp45-64.
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Banking plays an important role in the economy of any country. The success of a healthy economy depends on a robust and healthy banking system. Savings, investments, production, employment and growth in the national economy are affected by the operations and decisions of the banking system. Lending is one of the main activities of most banks and this is affected by risk. Changes in economic conditions affect bank risk. The borrower's credit status may deteriorate over time due to various factors. Credit risk and its management at the branch level can greatly assist banks' performance. Paying attention to credit risk indices at bank branch level is an issue that has been less addressed. In this study, the researchers have prioritized the evaluation of branch-level indicators using new decision-making techniques, such as SWARA and MABAK, by presenting a general model of the factors influencing credit risk at banks level. We first obtained the weight of the indices using the SWARA technique and using the opinions of ten banking experts and then we are ready to enter the MABAK model. The analysis was carried out in qard al-hasan RESALAT Bank, and in 30 selected branches of the bank.
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Kuswara, Dimas Puja, Etty Puji Lestari, and Tri Kurniawati Retnaningsih. "Determinant of Islamic Banking Profitability In Indonesia." Jurnal Organisasi dan Manajemen 15, no. 1 (March 14, 2019): 36–45. http://dx.doi.org/10.33830/jom.v15i1.295.2019.
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Finding a determinant of profitability has become one of the most popular topics in banking research. Previous research has identified many factors that significantly influence bank profitability. There are also many studies that measure the effectiveness of sharia banking globally, but few analyze the profitability issues of sharia banks. This study aims to analyze the impact of factors affecting profitability in Islamic Banks listed on the Indonesia Stock Exchange. The method used is multiple linear regression analysis. The variables are return on assets as dependent variable and murabahah, musyarakah, mudharabah, branch office, cash office, and Automatic Teller Machine as independent variable. This study found that funding factors such as murabaha, musharaka and conventional and electronic networking factors such as Branch Office, Cash Office, and ATM had positive and significant impact on profitablity of Sharia Bank, while mudharabah had a negative and significant influence on profitablitas Sharia Bank. Sub-Branch Offices also had a negative but insignificant effect on the profitability of Sharia Banks. This result indicated that income on management became the most dominant income in generating profit of sharia banking. However, the management of funds could not work if not supported by Islamic banking channeling tools.
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Kuswara, Dimas Puja, Etty Puji Lestari, and Tri Kurniawati Retnaningsih. "Determinant of Islamic Banking Profitability in Indonesia." Jurnal Organisasi dan Manajemen 15, no. 1 (March 14, 2019): 36. http://dx.doi.org/10.33830/jom.v15i1.865.2019.
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Finding a determinant of profitability has become one of the most popular topics in banking research. Previous research has identified many factors that significantly influence bank profitability. There are also many studies that measure the effectiveness of sharia banking globally, but few analyze the profitability issues of sharia banks. This study aims to analyze the impact of factors affecting profitability in Islamic Banks listed on the Indonesia Stock Exchange. The method used is multiple linear regression analysis. The variables are return on assets as dependent variable and murabahah, musyarakah, mudharabah, branch office, cash office, and Automatic Teller Machine as independent variable. This study found that funding factors such as murabaha, musharaka and conventional and electronic networking factors such as Branch Office, Cash Office, and ATM had positive and significant impact on profitablity of Sharia Bank, while mudharabah had a negative and significant influence on profitablitas Sharia Bank. Sub-Branch Offices also had a negative but insignificant effect on the profitability of Sharia Banks. This result indicated that income on management became the most dominant income in generating profit of sharia banking. However, the management of funds could not work if not supported by Islamic banking channeling tools.