Article Per Year (5 Year)
p-Index From 2020 - 2025
0.444
P-Index
This Author published in this journals
All Journal JIKA: Jurnal Ilmu Keuangan dan Perbankan Eduvest - Journal of Universal Studies
Aziz, Lukmanul Hakim
Unknown Affiliation
Aerospace Engineering Computer Science & IT Economics, Econometrics & Finance Health Professions Neuroscience Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
The Measurement of Efficiency of Sharia Banks in Indonesia: Two-Stage Data Envelopment Analysis (DEA) Aziz, Lukmanul Hakim; Ganika, Gerry; Mala, Chajar Matari Fath
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 13 No 1: December 2023
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v13i1.11397

Abstract

This research was conducted to measure the efficiency of sharia banks in Indonesia. The study utilized two stages, with the first stage employing the Data Envelopment Analysis (DEA) method, and the second stage conducting an analysis using the Tobit Method to determine the influence of market competition, market share, NSFR, CAR, ROA, and BOPO variables on its independent variable, which is efficiency. This research utilized panel data from sharia banks in Indonesia. The findings of this study provide a deeper understanding of the factors influencing the efficiency of sharia banks, and the results can serve as a basis for formulating policies that support the growth of a more efficient sharia banking industry. Several variables that affect sharia banks in Indonesia are market share, NSFR, CAR, ROA, and BOPO. However, variables such as the Lerner Index and ROA do not have a significant impact on the level of efficiency.
The Role of Capital Adequacy Ratio in Enhancing Regional Development Banks' Stability: An Empirical Study from 2012-2022 Aziz, Lukmanul Hakim; Siregar, Hermanto; Achsani, Noer Azam; Irawan, Tony
Eduvest - Journal of Universal Studies Vol. 5 No. 6 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i6.51304

Abstract

This study aims to analyze the role of the Capital Adequacy Ratio (CAR) in moderating factors affecting the stability (Z-score) of Regional Development Banks (BPD) in Indonesia from 2012 to 2022. Using quarterly panel data regression, this research categorizes BPDs into two groups: Category-1 banks that have not met the minimum capital requirements and Category-2 banks that have met these requirements. The findings reveal significant differences in how various factors influence stability across these categories. In Category-1 banks, factors such as market competition (Lerner Index), market share of loans (MSL), and deposits (MSD) have a more pronounced impact on stability, highlighting their reliance on external conditions. Conversely, Category-2 banks exhibit greater resilience, with CAR positively contributing to stability, while factors like efficiency (TEF and SEF) and macroeconomic conditions (regional GDP) play a crucial role in risk management. The study also finds that factors such as Loan to Deposit Ratio (LDR) and Non-Performing Loans (NPL) affect stability differently across categories, emphasizing the need for tailored risk management strategies. These insights provide practical implications for policymakers and banking management in optimizing regulatory frameworks and enhancing the stability of BPDs.
Co-Authors Erliza Noor Ganika, Gerry Hermanto Siregar Mala, Chajar Matari Fath Tony Irawan