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Bima Cinintya Pratama

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Open access Aug 2026

The Effect of Digital Banking, Capital Adequacy Ratio, and Operational Efficiency on the Financial Performance of Islamic Commercial Banks in Indonesia

This study is motivated by an apparent contradiction in Indonesian Islamic banking: the number of digital banking users has grown steadily, yet the profitability of Islamic commercial banks (Bank Umum Syariah, BUS) has remained volatile. Prior evidence on the determinants of Islamic bank profitability also remains inco...

Rahma Sri Endah Mahesti, Hardiyanto Wibowo, Bima Cinintya Pratama et al. · 0 citations

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