Al - Islami, Munadiyah (2025) THE INFLUENCE OF ISLAMIC CORPORATE GOVERNANCE (ICG) AND FORM CHARACTERISTIC ON THE FINANCIAL PERFORMANCE OF ISLAMIC BANKING IN INDONESIA 2019 to 2023. S1 Undergraduate thesis, UNIVERSITAS DARUSSALAM GONTOR.

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Abstract

ABSTRAK Pengaruh ISLAMIC CORPORATE GOVERNANCE (ICG), Bentuk Karakteristik terhadap Kinerja Keuangan Perbankan Syariah di Indonesia 2019 to 2023 Munadiyah Al - Islami 42.2021.42.8040 Industri perbankan syariah di Indonesia telah mengalami pertumbuhan yang pesat dalam beberapa tahun terakhir, dengan total aset yang mencapai IDR 892,17 triliun pada tahun 2023 dan terus menunjukkan pertumbuhan dua digit setiap tahunnya. Namun, di balik perkembangan ini, kinerja keuangan bank syariah masih menghadapi berbagai tantangan, termasuk rendahnya literasi keuangan syariah dan kompleksitas pengelolaan struktur operasional. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh Islamic Corporate Governance (ICG) dan bentuk karakteristik bank terhadap kinerja keuangan, yang diukur melalui Return on Equity (ROE), pada bank syariah di Indonesia selama periode 2019–2023. Penelitian ini menggunakan data panel dari 11 bank syariah yang terdaftar di Otoritas Jasa Keuangan (OJK), dengan variabel dependen kinerja keuangan yang diukur melalui Return on Equity (ROE). Variabel independennya mencakup Islamic Corporate Governance (ICG) dan bentuk karakteristik bank, yang diukur berdasarkan total aset. Metodologi penelitian menggunakan pendekatan kuantitatif dengan analisis regresi data panel, yang melibatkan uji Chow, Hausman, dan Lagrange Multiplier untuk menentukan model estimasi terbaik. Selain itu, uji asumsi klasik diterapkan guna memastikan validitas model regresi. Hasil penelitian menunjukkan bahwa Islamic Corporate Governance (ICG) tidak memiliki pengaruh signifikan terhadap Return on Equity (ROE). Sebaliknya, bentuk karakteristik bank memiliki pengaruh positif yang signifikan terhadap ROE, yang mengindikasikan bahwa semakin besar ukuran bank syariah, semakin tinggi tingkat profitabilitas yang dapat dicapai. Secara simultan, kedua variabel ini memiliki pengaruh terhadap ROE sebesar 13%, sementara sisanya dipengaruhi oleh faktor lain di luar model penelitian ini. Kesimpulan dari penelitian ini adalah bahwa implementasi Islamic Corporate Governance (ICG) masih perlu dioptimalkan agar dapat memberikan dampak nyata terhadap profitabilitas bank syariah. Sementara itu, bentuk karakteristik bank syariah, khususnya ukuran aset, terbukti memiliki peran penting dalam meningkatkan kinerja keuangan. Kata Kunci: Kinerja Keuangan, Tata Kelola ,Perbankan i ABSTRACT The Influence of Islamic Corporate Governance (ICG) and Form Characteristics on the Financial Performance of Islamic Banking in Indonesia 2019 to 2023 Munadiyah Al - Islami 42.2021.42.8040 The Islamic banking industry in Indonesia has experienced rapid growth in recent years, with total assets reaching IDR 892.17 trillion by 2023 and continuing to show double-digit growth every year. However, behind this development, the financial performance of Islamic banks still faces various challenges, including low Islamic financial literacy and the complexity of managing operational structures. Therefore, this study aims to analyze the effect of Islamic Corporate Governance (ICG) and bank characteristics on financial performance, as measured by Return on Equity (ROE), of Islamic banks in Indonesia during the period 2019-2023. This study uses panel data from 11 Islamic banks registered with the Financial Services Authority (OJK), with the dependent variable financial performance measured by Return on Equity (ROE). The independent variables include Islamic Corporate Governance (ICG) and bank characteristics, as measured by total assets. The research methodology uses a quantitative approach with panel data regression analysis, which involves Chow, Hausman, and Lagrange Multiplier tests to determine the best estimation model. In addition, classical assumption tests were applied to ensure the validity of the regression model. The results show that Islamic Corporate Governance (ICG) has no significant influence on Return on Equity (ROE). In contrast, bank characteristics have a significant positive effect on ROE, which indicates that the larger the size of Islamic banks, the higher the level of profitability that can be achieved. Simultaneously, these two variables have an influence on ROE by 13%, while the rest is influenced by other factors outside this research model. The conclusion of this study is that the implementation of Islamic Corporate Governance (ICG) still needs to be optimized in order to have a real impact on the profitability of Islamic banks. Meanwhile, the characteristics of Islamic banks, especially asset size, proved to have an important role in improving financial performance. Keywords: : Financial Performance, Governance, Islamic Banking

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