Effect Of Capital, Liquidity, Efficiency, Performance On Profitability In Sharia Commercial Banks in Indonesia


R. Bambang SM (STIE Krakatau Lampung, Indonesia), Moh. Sharil Bin Ahmad Razimi (Universiti Utara Malaysia, Malaysia)


This research target aims to determine the effect of capital, liquidity, efficiency, banking performance on profitability in Islamic Commercial Banks in Indonesia in 2013-2015. This type of research is quantitative descriptive research. In this study using secondary data, and the period of time used 3 years, namely the period 2013-2015. The sampling technique was purposive sampling. The research variables consisted of 5 variables (4 independent variables and 1 dependent variable). The research data was taken from the 2013-2015 period Islamic financial bank 11 financial statements. Validation of this research data was verified by publishing on each Sharia Commercial Bank website , the website of Bank Indonesia and the website of the Indonesian Central Bureau of Statistics. Data analysis used is Regression analysis to analyze the factors that influence the profitability of Islamic Commercial Banks in Indonesia in 2013-2015. Data analysis method uses Multiple Regression. Hypothesis testing uses F-statistic test (F test), t-statistic test and determination of Ajusted R² coefficient with a significance level of 5%.The results of the study are simultaneous independent variables (F test) that affect the profitability with a significant level of 0,000. While partially (t test) shows that: (1) capital has a positive and significant effect on profitability, (2) liquidity has a positive and significant influence on profitability, (3) efficiency has a negative and significant effect on profitability, (4) performance has a negative and significant influence on the profitability of Islamic Commercial Banks ..

Based on the adjusted R² obtained 0.563 this means that the ability of four independent variables can explain Profitability 56.30% while the remaining 43.70% is explained by other factors.


Keywords: Capital, Liquidity, Efficiency, Performance and Profitability

Full Text:



Abduh, Muhammad andYameen, Idrees.2013. Determinants of Islamic Banking

Alamsyah, Halim.20 12. Development and Prospects of Islamic Banking

And Financial Reporting, Vol.5, No. 1, p. 75-90

Andi Van Greuning, Hennie and ZamirIqbal.2011. Banking risk analysissharia. Jakarta: Salemba Empat

Banking:Evidence from Bank Muamalat Indonesia. Review of Islamic Commercial Bank Assets Sharia and Sharia Business Unit. Jakarta: Economics, Vol. 11, No. 2, p. 17-29

EU27 banking Systems.Procedia Economics andFinance, Vol. 20, p.518 Evidence from Malaysia and Pakistan. International Journal of Accounting

Hakim, Abdul.2010. Descriptive statistics for economics and business.

Haron, 2004 Competition And Other External Determinants of TheProfitabilitof

Hasan, M. Iqbal. 2002. The main material of research methodology and

Indonesia: Welcoming the 2015 MEA. Delivered in the lecture

Injection injection. http // kontan.co.id / news / modal-three-bank-syariah-need-International Journal of Economics and Financial Issues Vol. 3,

Islamic Bank. Islamic conomicStudie, Vol. 4, No.1, p. 49-64 and Wan

Islamic Banking Institutions' Profitability inMalaysia.World Applied

Izhar, H., and M. Assutay, 2007. Observing the Profitability of Islamic

Jakarta: Erlangga PublisherMankiw, N Gregory. 2003. Macroeconomic

Journal of Finance and Economics, Vol. 1, No.1, p. 1-18

Karim, Adiwarm A.2007. Macroeconomics of Islam. Jakarta: PT Raja Grafindo

Kuncoro,Mudrajad.2006. Strategy how to achieve excellencecompetitive.

London:The banker

Maris Strategies & the Banker.2015. Top Islamic Financial Institution

Marzuki. 2000. Research methodology. Yogyakarta: BPFE-UII

MIEI, 13 April2012, www.bi.go.id

Muda etal.2013. Determinants of Islamic Banking Profitability in Malaysia.

Muhammad.2014. Management of Islamic finance: fiqh and financial analysis.

Naceur, S.B., 2003. The Determinants of the Tunisian Banking Industry

Narbuko,Choliddan AbuAchmadi.2008. Research methodology. Jakarta: Bumi

No.3,2013, p.559-569 Number 16 / POJK.03 / 2014 concerning Assessment of Quality of Nursofiza Wan Azmi. 2004. Determinants of Islam Bank Profitability. Global Obligations Minimum Islamic Commercial Banks. Jakarta: Persada Etc. 2015.Gauging Profitability and Liquidity of Islam Banks:

Petria, Nicolae etal.2015. Determinants of Banks' Profitability:Evidence From Profitability in Malaysia. Australian Journal of Basic and Applied

Profitability: Evidence Panel. University LibredeTunisWorkingpaper.

Sciences Journal12 (Special Issue on BolsteringEconomic Sustainability), p.1-7

Sciences, Vol. 7, No. 2, p. 204-210 Scientific Association of Islamic Economic Experts (IAEI), 8th Anniversary of Script Financial Services Authority.2015. June 2015 Islamic Banking Statistics.Jakarta: Financial Services Authority 2014. Service Authority RegulationFinance contained in the Financial Services Authority Regulation Number 21 / POJK.03 / 2014 concerning Capital Provision

Sinungan, Muchdarsyah.2000. Bank fund management.PT. Earth:JakartaScrip

Smaoui, Houcem and Salah, InesBen.2012. Profitability of IslamicBanks GCCRegion.Global Economy and Finance JournalVol.5, No.1, p.85-102

Sugiyono.2009. Quantitative, qualitative, and R & D research methods. Contents: Alfabeta

Suliyanto. 2011. Business research method. Yogyakarta: the application. Bogor: Ghalia Indonesia Idris, et al. 2011. Determinant of theory. Jakarta: Erlangga

Suryanto, T., Purnamasari, F., & Kurniawan, M. (2018). Tax Revenue and Disparity: How to Improvement Income Inequality in Islamic Perspective. Asian Journal of Social Sciences and Management Studies, 5(2), 65-71.

Vong, AnaP.I., danH.Chan, 2009.Determinants of Bank Profitability in Macao University of Macao Working Paper

Wasiuzzaman, S., danH. Ahmed Tarmizi, 2010. Profitability of Islamic Banking Malaysia: An Empirical Analysis. Journal of Islamic Economics, Banking and Finance, Vol. 6, p. 4, p. 51-68

Winarno, WingWahyu. 2015. Econometric and statistical analysis witheviews. Yogyakarta: UPP STIM YKPN

Yudistira, Galvan.2015. The capital of three Islamic banks needs an

DOI: https://doi.org/10.24042/febi.v3i2.3479

Article Metrics

Abstract views : 295 | PDF downloads : 106


  • There are currently no refbacks.



More archive, citation & indexing...

IKONOMIKA is a Journal of Islamic Economics and Business, Published by the Faculty of Islamic Economics and Business at UIN RadenIntan Lampung - Indonesia. (http://ejournal.radenintan.ac.id/index.php/ikonomika/index). This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.