Wiwiek R.Adawiyah_19115160170

DAMPAK PENETRASI BANK ASING TERHADAP KINERJA KEUANGAN BANK ISLAM DI INDONESIA

Wiwiek Rabiatul Adawiyah

Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Jl. Prof.Dr.H.R. Boenyamin No.708 Purwokerto, 53122, Indonesia.

  • Korespondensi dengan Penulis:
  • Wiwiek Rabiatul Adawiyah: Telp.+62 281 637 970; Fax.+62 281 640268
  • E-mail: wiwiekra@yahoo.com

Abstract

This article empirically examined the effects of foreign banks entry on the performance of Islamic banks in Indonesia, with the observation period 1999-2013. The method of analysis employed was descriptive statistics and multiple regressions.  The result of the study indicated that capital adequacy ratio had a negative influence on the financial performance, measured using return on assets (ROA) of domestic Islamic banks in Indonesia while liquidity ratio did not influence ROA.  Surprisingly this study revealed that foreign banks entry had a negative effect, insignificant influence on the financial performance of Islamic banks.   This result supported the views that foreign banks entry had an adverse effect on the performance of domestic banks in several emerging market economies worldwide, but against the notion that foreign banks entry brought positive effects on the performance of incumbent banks.

Keywords: foreign banks, emerging market economic, Islamic banks’ performance

19115160170_WiwiekRabiatulAdawiyah (Full Text)

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