Analysis of deposit savings in Islamic and conventional banks
Autor: | Jaka Sriyana, Putri Jamilah |
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Jazyk: | angličtina |
Rok vydání: | 2019 |
Předmět: |
Inflation
Return on assets business.industry media_common.quotation_subject BI rate Broad money Islam broad money Monetary economics lcsh:HD72-88 lcsh:Economic growth development planning Dual (category theory) Error correction model lcsh:Finance lcsh:HG1-9999 OER Economics profit sharing Operational efficiency depostis inflation business Financial services ROA media_common |
Zdroj: | Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; Vol. 6 No. 5 (2019): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; 603-610 Jurnal Perspektif Pembiayaan dan Pembangunan Daerah, Vol 6, Iss 5, Pp 603-610 (2019) |
ISSN: | 2338-4603 2355-8520 |
Popis: | Indonesia is a country that implements a dual banking system. The progress of the conventional financial industry coincides with the development of the Islamic financial sector. This study discusses the influence of external factors namely inflation, broad money (M2), BI rate and internal factors namely return on asset (ROA) and operational efficiency ratio (OER) on profit-sharing of Islamic banking deposits and conventional banking deposits interest. The method used in this study was the Error Correction Model (ECM). Based on the results of the study, it can be concluded that inflation and broad money (M2) affects the profit-sharing of deposits. Whereas the conventional bank deposit interest is influenced by ROA, OER, BI rate, inflation, and M2. The fluctuation of external and internal variables has an impact on Islamic banks and conventional banks in determining interest and profit-sharing of deposits. |
Databáze: | OpenAIRE |
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