Factors influence financial sustainability banking in Indonesia

Sholikah, Arini Mar'ah and Miranti, Titis (2020) Factors influence financial sustainability banking in Indonesia. Al-Tijary jurnal Ekonomi dan Bisnis ISlam, 6 (1). pp. 41-50. ISSN 2460-9412

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Abstract

This research aims to determine the factors that affect the financial sustainability of conventional banks and sharia banks in Indonesia. Data obtained from the financial statements of conventional commercial banks and Islamic commercial banks have been published by the Financial Services Authority (OJK) for the period 2014 to 2018. The total population used in this study are all conventional and Sharia banks that publish their financial statements on the OJK. The research variables used include Financial Self Sufficiency (FSS) as the dependent variable. Return on assets (ROA), Cash to deposits (CTD), Loans to assets (LTA), Deposits to assets (DTA) as independent variables. The analysis used is the tree classification. The tree classification method requires the dependent variable in the form of categorical data. Processing results show that three financial performance factors affect financial sustainability, namely ROA, LTA, and DTA. Error in the analysis process is 29%. So that the accuracy of using the tree classification method in predicting the factors that affect banking financial sustainability is 71%.

Item Type:	Journal Article
Keywords:	financial sustainability; tree classification; financial ratios
Subjects:	14 ECONOMICS > 1402 Applied Economics > 140207 Financial Economics
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Titis Miranti
Date Deposited:	24 May 2021 11:15

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