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Probabilistic Prediction of the Financial Performance of Conventional and Islamic Banks During the Covid-19 Pandemic

Management Analysis Journal · Vol. 13 No. 2 (2024) · hlm. 245–257

DOI
10.15294/maj.v13i2.12196
ISSN
2502-1451, 2252-6552
Terbit
2024-06-30
Penerbit
Universitas Negeri Semarang
Bahasa
eng
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

This study aims to predict the probability of achieving the financial performance of conventional and Islamic banks listed on the Indonesia Stock Exchange during the Covid-19 pandemic. This study uses Return on Assets (ROA) as the dependent variable, E-Banking implementation variables; FinTech growth, GDP growth; inflation; interest rates; Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and Non Performing Financing (NPF); Operating Expenses to Operating Income (BOPO) as independent variables. This study uses correlational research with a quantitative approach. The research sample consists of 47 banks listed on the Indonesia Stock Exchange, with 43 banks operating conventionally and 4 banks operating sharia. Documentation and literature study methods were used to collect data which were then analyzed using logistic regression. The results showed that the variables that are able to predict the probability of ROA occurrence in conventional banking are the application of E-Banking, NPL (n) and BOPO, while in Islamic banking the variables of FinTech growth, Inflation and BOPO are variables that are able to predict the probability of ROA occurrence.

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11 penulis · 27 tautan kepenulisan bersama · 4 lintas organisasi

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  • State University of Semarang
  • National University of Malaysia
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  • Organisasi sama
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Rekan penulisOrganisasiArtikel bersama
Ngabiyanto NgabiyantoState University of Semarang1
Margareta RahayuningsihState University of Semarang1
S. MartonoState University of Semarang1
Suminar SuminarState University of Semarang1
Tsabit Azinar AhmadState University of Semarang1
Cahya WulandariState University of Semarang1
Muhamad Sayuti HassanNational University of Malaysia1
Siti MursidahState University of Semarang1
Ricky Dermawan FauziState University of Semarang1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/maj/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Probabilistic Prediction of the Financial Performance of Conventional and Islamic Banks During the Covid-19 Pandemic</dc:title>
	<dc:creator xml:lang="en">Waddah, Nurma</dc:creator>
	<dc:creator xml:lang="en">Khoiruddin, Moh.</dc:creator>
	<dc:subject xml:lang="en">Financial Performance</dc:subject>
	<dc:subject xml:lang="en">Banking Sector</dc:subject>
	<dc:subject xml:lang="en">Internal-Eksternal Factor</dc:subject>
	<dc:subject xml:lang="en">Covid-19 Pandemic</dc:subject>
	<dc:subject xml:lang="en">Probability Analysis</dc:subject>
	<dc:description xml:lang="en">This study aims to predict the probability of achieving the financial performance of conventional and Islamic banks listed on the Indonesia Stock Exchange during the Covid-19 pandemic. This study uses Return on Assets (ROA) as the dependent variable, E-Banking implementation variables; FinTech growth, GDP growth; inflation; interest rates; Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and Non Performing Financing (NPF); Operating Expenses to Operating Income (BOPO) as independent variables. This study uses correlational research with a quantitative approach. The research sample consists of 47 banks listed on the Indonesia Stock Exchange, with 43 banks operating conventionally and 4 banks operating sharia. Documentation and literature study methods were used to collect data which were then analyzed using logistic regression. The results showed that the variables that are able to predict the probability of ROA occurrence in conventional banking are the application of E-Banking, NPL (n) and BOPO, while in Islamic banking the variables of FinTech growth, Inflation and BOPO are variables that are able to predict the probability of ROA occurrence.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2024-06-30</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">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/maj/article/view/12196</dc:identifier>
	<dc:identifier>10.15294/maj.v13i2.12196</dc:identifier>
	<dc:source xml:lang="en">Management Analysis Journal; Vol. 13 No. 2 (2024): Management Analysis Journal; 245-257</dc:source>
	<dc:source>2502-1451</dc:source>
	<dc:source>2252-6552</dc:source>
	<dc:source>10.15294/maj.v13i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/maj/article/view/12196/9686</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2024 Management Analysis Journal</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>