DETERMINANTS OF ISLAMIC BUSINESS UNIT REGIONAL DEVELOPMENT BANK MERGER MODEL STABILITY IN INDONESIA
Abstract
ABSTRACT
This study aims to analyze the determinants of consolidation strategy based on the evaluation of internal and external factors of the Sharia Business Unit of Regional Development Banks (UUS BPD) and to obtain an equation model of UUS BPD consolidation strategy towards the level of stability. This research uses a quantitative approach with panel data regression. All independent and dependent variables are tested with Ordinary least squares to obtain an equation model from the regression test. The results of the study indicate that the determinants of the results of the merger consolidation model, namely, ROA, LAR, RGEC, IPTIK, and GDP, have a positive effect on the level of stability of the UUS BPD merger model, and concentration (Herrfibdhal Hiermans Index) has a negative and significant effect. However, IM has a positive but insignificant effect, and TA has a negative but insignificant effect. The study's results simultaneously show that the merger consolidation model's determinants affect UUS BPD's stability by 22,50%. By optimizing internal factors (finance, technology, governance) and synergy with economic growth, UUS can be more stable and ready to face financial challenges in the future.
ABSTRAK
Penelitian ini bertujuan untuk menganalisis faktor penentu strategi konsolidasi berdasarkan evaluasi faktor internal dan eksternal Unit Usaha Syariah Bank Pembangunan Daerah (UUS BPD) dan untuk memperoleh model persamaan strategi konsolidasi UUS BPD terhadap tingkat stabilitas. Metode penelitian ini menggunakan pendekatan kuantitatif dengan regresi data panel. Seluruh variabel bebas dan variabel terikat diuji dengan Ordinary least squares untuk memperoleh model persamaan dari uji regresi. Hasil penelitian menunjukkan bahwa determinan hasil model konsolidasi merger secara parsial yaitu; ROA, LAR, RGEC, IPTIK dan PDB berpengaruh positif terhadap tingkat stabilitas model merger UUS BPD, dan konsentrasi (Herrfibdhal Hiermans Index) berpengaruh negatif dan signifikan. Namun, IM berpengaruh positif tetapi tidak signifikan dan TA berpengaruh negatif tetapi tidak signifikan. Hasil penelitian secara simultan menunjukkan bahwa faktor-faktor determinan model konsolidasi merger berpengaruh terhadap tingkat stabilitas UUS BPD sebesar 22,50%. Dengan mengoptimalkan faktor internal (keuangan, teknologi, tata kelola) dan sinergi dengan pertumbuhan ekonomi, UUS dapat lebih stabil dan siap menghadapi tantangan keuangan di masa depan.
Keywords
References
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DOI: 10.34203/jimfe.v11i1.11655
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