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ISLAMIC BANK ASSET GROWTH: PREDICTIVE ASSESSMENT TOWARD DOMINANT VARIABLES AFFECTING

JEBIS (Jurnal Ekonomi dan Bisnis Islam) · Vol. 7 No. 2 (2021) · hlm. 267–288

DOI
10.20473/jebis.v7i2.26732
ISSN
2527-3027, 2442-6563
Terbit
2021-11-30
Penerbit
Universitas Airlangga
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc-sa/4.0

Abstrak

This study departs from asset growth in Islamic banks which has decreased in the last four years even though assets have increased every year. This research is structured to be the basis for making policies to increase the growth of assets of Islamic banks. The research design used is quantitative with the help of smart PLS ver.3.3. The number of samples is 94 people from a population of 123 employees of Islamic Banks Serang and Cilegon Branch Offices with supervisory positions and above. The sample selection in this study uses probability sampling, so that all branch offices of Islamic banks in Cilegon and Serang as well as all supervisory work units have the same opportunity to be selected as samples. The results indicate that the ones that have the biggest influence in increasing the growth of Islamic bank assets are the financing to deposit ratio and non-performing financing. This can be seen from the path coefficient value resulting from this study between financing to deposit ratio on asset growth has a coefficient value of 2.818 and non-performing financing on asset growth has a coefficient value of 3.767. Thus, both financing to deposit ratio and non-performing financing influence increasing the growth of assets of Islamic banks. The results of this study emphasize to bankers to maintain the quality of financing to remain smooth and avoid non-performing financing.

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  • Universitas Halu Oleo
  • Universitas Islam Negeri Raden Intan Lampung
  • Sriwijaya University
  • State University of Malang
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Rekan penulisOrganisasiArtikel bersama
Dody RiswantoAfiliasi tidak diketahui2
Pertiwi UtamiAfiliasi tidak diketahui2
Hayati HayatiUniversitas Halu Oleo1
Imroatun ImroatunAfiliasi tidak diketahui1
Tulus SuryantoUniversitas Islam Negeri Raden Intan Lampung1
Juhary AliAfiliasi tidak diketahui1
Ika PratiwiSriwijaya University1
Uli Wildan NuryantoAfiliasi tidak diketahui1
Icin QuraysinAfiliasi tidak diketahui1
Uun KurnaesihAfiliasi tidak diketahui1
Tihami TihamiAfiliasi tidak diketahui1
Endang PurwaningsihState University of Malang1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://e-journal.unair.ac.id/JEBIS/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">ISLAMIC BANK ASSET GROWTH: PREDICTIVE ASSESSMENT TOWARD DOMINANT VARIABLES AFFECTING</dc:title>
	<dc:creator>Dermawan, Dorry</dc:creator>
	<dc:creator>Hunainah, Hunainah</dc:creator>
	<dc:creator>Suseno, Bambang Dwi</dc:creator>
	<dc:creator>Basrowi, Basrowi</dc:creator>
	<dc:subject xml:lang="en-US">Asset Growth</dc:subject>
	<dc:subject xml:lang="en-US">Islamic Bank</dc:subject>
	<dc:subject xml:lang="en-US">Inflation</dc:subject>
	<dc:subject xml:lang="en-US">Deposit Ratio</dc:subject>
	<dc:subject xml:lang="en-US">Non-Performing Financing</dc:subject>
	<dc:description xml:lang="en-US">This study departs from asset growth in Islamic banks which has decreased in the last four years even though assets have increased every year. This research is structured to be the basis for making policies to increase the growth of assets of Islamic banks. The research design used is quantitative with the help of smart PLS ver.3.3. The number of samples is 94 people from a population of 123 employees of Islamic Banks Serang and Cilegon Branch Offices with supervisory positions and above. The sample selection in this study uses probability sampling, so that all branch offices of Islamic banks in Cilegon and Serang as well as all supervisory work units have the same opportunity to be selected as samples. The results indicate that the ones that have the biggest influence in increasing the growth of Islamic bank assets are the financing to deposit ratio and non-performing financing. This can be seen from the path coefficient value resulting from this study between financing to deposit ratio on asset growth has a coefficient value of 2.818 and non-performing financing on asset growth has a coefficient value of 3.767. Thus, both financing to deposit ratio and non-performing financing influence increasing the growth of assets of Islamic banks. The results of this study emphasize to bankers to maintain the quality of financing to remain smooth and avoid non-performing financing.  </dc:description>
	<dc:publisher xml:lang="en-US">Universitas Airlangga</dc:publisher>
	<dc:date>2021-11-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://e-journal.unair.ac.id/JEBIS/article/view/26732</dc:identifier>
	<dc:identifier>10.20473/jebis.v7i2.26732</dc:identifier>
	<dc:source xml:lang="en-US">Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business); Vol. 7 No. 2 (2021): JULY-DECEMBER 2021; 267 – 288</dc:source>
	<dc:source>2527-3027</dc:source>
	<dc:source>2442-6563</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://e-journal.unair.ac.id/JEBIS/article/view/26732/16466</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2021 JEBIS (Jurnal Ekonomi dan Bisnis Islam) |  JOURNAL OF ISLAMIC ECONOMICS AND BUSINESS</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by-nc-sa/4.0</dc:rights>
</oai_dc:dc>