Digital Sharia Bank in Indonesia: Efforts to Increase Competitiveness and Profitability Achievement


  • Binti Nur Asiyah UIN Sayyid Ali Rahmatullah Tulungagung, Indonesia
  • Lantip Susilowati UIN Sayyid Ali Rahmatullah Tulungagung, Indonesia
  • Lisa Yuni Lestari UIN Sayyid Ali Rahmatullah Tulungagung, Indonesia
  • Atok Syihabuddin UIN Sayyid Ali Rahmatullah Tulungagung, Indonesia
  • Amin Wahyudi UIN Sayyid Ali Rahmatullah Tulungagung, Indonesia
  • Mohammad Han Holle UIN Sayyid Ali Rahmatullah Tulungagung, Indonesia



Digital sharia bank, ROA, ROE


Purpose — This paper aims to determine the competitiveness of Islamic banks that already have digital banking services in terms of profitability competitiveness. Review of the profitability side of maximizing profits from productive asset management and maximizing profits from shareholder expectations.

Method The analytical method used is a mixed method in the form of quantitative and qualitative. The quantitative approach is the model selection test, the Chow test and the Hausman test. In panel data regression, there are classic assumption tests that must be used in this research, namely the normality test, heteroscedasticity test, autocorrelation test, hypothesis test to determine simultaneous or partial effects, and the coefficient of determination test. Qualitative approach to photograph digital services in cases at BSI and BCA Syariah.

Result Digital services by providing BSI Mobile and BCA Syariah mobile applications. The competitiveness of digital sharia banks (BSI and BCA Syariah) with the Return on Assets (ROA) ratio is influenced simultaneously by total assets, total equity, total financing and total funding of 99.6% and competitiveness is viewed from Return On Equity (ROE) is influenced simultaneously by these variables by 98.8%. The range of 1 to 2 percent is influenced by other variables. The practical implications of this research are for digital Islamic banks to maximize the management of total financing and operational costs so that they significantly encourage increased competitiveness of profits for each asset managed, and maximize total assets, total funding in maximizing the competitiveness of the profit side of shareholder expectations and customer reach.

Novelty The results of the research show its novelty in terms of encouragement to increase competitiveness in maximizing competitive profits, both in terms of asset review and shareholder expectations, as well as encouragement for sharia banks to be able to reach funding and financing customers more widely.