scholarly journals Measuring Banking Operational Efficiency and its Impact on Productivity: An Applied Study on Selected Iraqi Private Banks

Webology ◽  
2021 ◽  
Vol 18 (Special Issue 03) ◽  
pp. 377-390
Author(s):  
Zainab Sabah Faraj
Keyword(s):  
Operational Efficiency ◽  
Financial Ratios ◽  
Operational System ◽  
Applied Study ◽  
Operational Costs ◽  
Private Banks

This study dealt with concepts related to banking operational efficiency and its measurement in Iraqi banks. The study is applied as an example on five known private banks in Iraq, and these banks are (Baghdad, Al-Mansour, Ashur, Al-Ahly and Al-Credit). For the period from 2015 to 2018 based on financial ratios indicator. In order to identify the management of Iraqi banks for their operational system on the ability to control the costs and profitability. The results of the study showed that some banks (Assyria, Baghdad, and Al-Ahly) are relay on using operational efficiency which resulted in rising their profits and minimizing costs. This was observed clearly in small-sized banks more than in large banks. In addition, it found that the low profits are due to mismanagement of operational costs.

scholarly journals ANALISIS FINANCIAL DISTRESS PADA PT TUNAS BARU LAMPUNG TBK DI BURSA EFEK INDONESIA

2017 ◽  
Vol 13 (2) ◽  
pp. 129-141
Author(s):  
Umi Ambarwati ◽  
Sudarwati Sudarwati ◽  
Rochmi Widayanti
Keyword(s):  
Financial Distress ◽  
Stock Exchange ◽  
Financial Ratios ◽  
Z Score ◽  
Effective Strategies ◽  
Operational Costs ◽  
Score Method

This article aims to analyze the health of the company in PT Tunas Baru Lampung TBK in Indonesia Stock Exchange. The data comes from PT Tunas Baru Lampung TBK in 2013-2015. The methods used are Altman Z-Score, Springate, Zmijewski and Fulmer methods. The results of the study show that there are differences in predicted bankruptcy results between the Altman Z-score method, Springate, Zmijewski and Fulmer. This is due to differences in the use of financial ratios and criteria bankruptcy between Altman Z-score, Springate, Zmijewski and Fulmer. For that company is expected to increase sales, perform effective strategies, reduce operational costs to be more efesian so that companies can meet the company's health criteria.   Artikel ini bertujuan untuk menganalisis kesehatan perusahaan pada PT Tunas Baru Lampung TBK di Bursa Efek Indonesia. Data berasal dari PT Tunas Baru Lampung TBK pada tahun 2013-2015. Metode yang digunakan adalah metode Altman Z-Score, Springate, Zmijewski dan Fulmer. Hasil penelitian menunjukkan adanya perbedaan hasil prediksi kebangkrutan antara metode Altman Z-score, Springate, Zmijewski dan Fulmer. Hal ini karena adanya perbedaan penggunaan rasio keuangan dan kriteria kebangkrutan antara Altman Z-score, Springate, Zmijewski dan Fulmer. Untuk itu perusahaan diharapkan meningkatkan penjualan, melakukan strategi yang efektif, menekan biaya operasional agar lebih efesian sehingga perusahaan dapat memenuhi kriteria kesehatan perusahaan.

Performance comparison of Islamic and conventional banks: empirical evidence from Pakistan

2017 ◽  
Vol 10 (3) ◽  
pp. 419-433 ◽  
Author(s):  
Imran Khan ◽  
Mehreen Khan ◽  
Muhammad Tahir
Keyword(s):  
Management Practices ◽  
Operational Efficiency ◽  
Financial Ratios ◽  
Original Research ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Content Type ◽  
Performance Differences ◽  
Conventional Banks ◽  
Asset Quality

Purpose This study aims to investigate the performance differences of Islamic and conventional banks in Pakistan by using financial ratios. Design/methodology/approach This study analyzed 5 Islamic and 19 conventional banks for the periods of 2007-2014. Two types of analyses were performed – sample t-test and logistic regression. Analysis was also performed on sub-sample considering crisis effects. Findings It was found that Islamic banks are relatively better in profitability, efficiency, risk and liquidity management, while conventional banks are superior in asset quality. Higher efficiency of Islamic banks contradicts with previous studies conducted in Pakistan. Probable reasons for this include phenomenal expansion of Islamic banking industry and its broad appeal to customers in Pakistan. Risk management practices of Islamic banks are superior to conventional banks, as Shariah rules restrict pure speculation in monetary terms. Better asset quality of conventional banks is attributed to their recognition and product diversity. During the crisis, Islamic banks were found less profitable than their counterparts. Research limitations/implications This study suggests that high operational efficiency of Islamic banks should be converted into technical efficiency by improving human resource, introducing innovative market-oriented products and prudent resource allocations. As operational efficiency does not promise returns in long term, to sustain ongoing phenomenal growth of Islamic banking, management needs to gain customer trust. Originality/value This is an original research that compares performance differences across Islamic and conventional banks by using financial ratios.

scholarly journals Strategic Alignment of Operational Sectors: The Case of the Cooperativa Agroindustrial do Noroeste do Paraná Http://Dx.Doi.Org/10.5585/Riae.V10i2.1683

2011 ◽  
Vol 10 (2) ◽  
pp. 118-139
Author(s):  
Julio Ernesto Colla ◽  
Andréia Borghesan
Keyword(s):  
Cost Reduction ◽  
Agricultural Sector ◽  
Strategic Alignment ◽  
Production Capacity ◽  
Structured Interview ◽  
Operational Efficiency ◽  
Executive Board ◽  
Operational Costs ◽  
Organizational Objectives

This article intends to verify the existence of strategic alignment between the operational sectors and the executive board of the company studied in relation to the logistic process of company Copagra of the Nova Londrina-PR. The theoretical reference describe about strategy and strategic alignment. The data collection was through semi-structured interview. Data processing occurred by agglutination of material collected according to the categories of analysis. The results tell that the agricultural sector seems aligned with the organizational objectives with respect to increase production capacity and strategic reduction of operational costs. Was also found indirect alignment with improving the quality of alcohol produced, increasing the efficiency of the fleet and improve operational efficiency. Alignment has not been found to meet alcohol specific market. Regarding the alignment distillery was found only in relation to meet specific markets of alcohol. Found was indirect alignment with the objective of improving operational efficiency. Was not found alignment with the objectives to increase production capacity, strategic cost reduction and increased efficiency of the fleet. This way it seems that agricultural sector seems more closely aligned with organizational objectives when compared to a distillery. The most relevant theoretical contributions are related the fact that organizational objetives can not be backed in any organization since the departamental objetices may not meet te organization´s objetives.

scholarly journals PERBANDINGAN KINERJA NPL SERTA FAKTOR-FAKTOR YANG MEMPENGARUHI

2019 ◽  
Vol 6 (2) ◽  
Author(s):  
Mulia Alim ◽  
Hesty Erviani Z
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Inflation Rate ◽  
Financial Ratios ◽  
Economic Problems ◽  
Private Banks

Non performing loans are defined as risks associated with the likelihoodof failure of the client to pay its obligations or the risk that the debtorcan not repay the debt. NPLs reflect credit risk, the smaller the NPL theless the credit risk borne by the bank. In order for the bank's value tothis ratio to be good, Bank Indonesia sets the net NPL ratio below 5%.In addition to domestic and foreign economic problems, it turns out thatsome of the financial ratios held by the Bank can give effect to thechange in NPL value at Commercial Banks. This study aims to analyzethe influence of liquidity and solvency ratios (LDR, LAR and DER), theamount of credit, inflation rate and BI Rate to the ratio of nonperformingloans (NPL) to commercial banks and simultaneouslyanalyze the comparison of NPL Performance in state-owned CommercialBanks (BUMN) with Private Banks domestic (BSDN).

scholarly journals Analisis Rasio Modal, Efisiensi Operasional, Bunga Bersih, Likuiditas, Dan Kredit Bermasalah, Terhadap Rasio Laba

2021 ◽  
Vol 12 (3) ◽  
pp. 413-430
Author(s):  
Rahmat Rahmat ◽  
Endang Ruchiyat
Keyword(s):  
Foreign Exchange ◽  
Joint Venture ◽  
Statistical Tests ◽  
Secondary Data ◽  
Operational Efficiency ◽  
Foreign Banks ◽  
Financial Ratios ◽  
Analysis Technique ◽  
Capital Ratios ◽  
Regional Development Banks

This study aims to analyze financial ratios which include Capital Ratios, Operational Efficiency Ratios, Net Interest Ratios, Liquidity Ratios, Non-Performing Loans Ratios to Profit Ratios at Conventional Commercial Banks in Indonesia. The banks studied were based on bank grouping in terms of ownership category which included State-Owned Banks, National Private Foreign Exchange Banks, National Private Non-Foreign Exchange Banks, Regional Development Banks, Joint Venture Banks, and Foreign Banks. The analysis technique used is multiple regression analysis. Because the data used is secondary data, to determine the accuracy of the model, it is necessary to test several classical assumptions that underlie the regression model. Classical assumption tests used in this study include tests, normality, multicollinearity, heteroscedasticity and autocorrelation. Furthermore, to test the effect of financial ratios as mentioned, statistical tests withused Multiple Linear Regression were. Based on the research, it is found that the Capital Ratio, Operational Efficiency, Interest Yield, Liquidity, and Non-Performing Loans affect bank profits. 

The Impact of Non-Performing Loans on Bank's Operating Efficiency for Taiwan Banking Industry

2008 ◽  
Vol 11 (02) ◽  
pp. 287-304 ◽  
Author(s):  
Chiung-Ju Liang ◽  
Ming-Li Yao ◽  
Dar-Yeh Hwang ◽  
Wei-Hsiung Wu
Keyword(s):  
Banking Industry ◽  
Operational Efficiency ◽  
The Other ◽  
Operating Efficiency ◽  
Dea Model ◽  
Private Banks ◽  
Different Types ◽  
Public Banks ◽  
The Impact

The DEA model is applied to analyze the operational efficiency of Taiwan's publicly-listed banks to reveal the influence of the rising non-performing loan ratio (NPLR) on Taiwan's banking industry. After taking into account the NPLR and the different classifications of banks, the respective performances of different types of banks exhibit the following variations and characteristics: the originally more-efficient new private banks significantly fell behind the old public banks in terms of efficiency scores after the NPLR was included. The old private banks' operational efficiency fell behind that of the other banks at all times. The productivity of all new private banks exceeded that of the other banks.

scholarly journals Analisis kontribusi pembiayaan mudharabah dan murabahah terhadap pendapatan operasional bank syariah

El Dinar ◽  
2018 ◽  
Vol 4 (1) ◽  
pp. 62
Author(s):  
Novia Rosi Nurjannah
Keyword(s):  
Financial Performance ◽  
Good Condition ◽  
Financial Statements ◽  
Qualitative Approach ◽  
Profit Margin ◽  
Financial Ratios ◽  
Financial Reports ◽  
Operating Income ◽  
Operational Costs ◽  
Descriptive Qualitative

<p>The purpose of this study was to determine the apalication of <em>mudharaba</em> and <em>murabaha</em> financing<em> </em>on BMI and the contributions made financing on operating revenues of bank as well as assessing the financial performance of bank through the financial statements and evaluating the suitability of the application that was done BMI with PSAK 105 and 102. This study used descriptive qualitative approach, namely by looking at the financial reports of 2014 and conducted interviews. This research was to know the implementation of murabaha and mudharaba financing to operating income as well as assessing the financial performance and evaluating the suitability of the application done BMI with PSAK 105 and 102. The results of this research shows that the implementation of murabaha and mudharaba financing provided funds to customers for investments and sold goods. Mean while the bank’s contribution to the operating income of the profit/ margin derived of financing. BMI operating income obtained from various bank products and services. Financial performance that was measured by financial ratios indicated that the value of ROA was well under the Bank Indonesia regulation and BOPO ratio values can be concluded that the effeciency of operational costs incurred by the bank in good condition and not in a state of trobled banks. The accounting treatment of murabaha and mudharaba financing which included presentation, measurement, disclosure adn recognition carried BMI in Accordance with the application of PSAK 102 and 102.</p>

scholarly journals Macroeconomic Analysis and Financial Ratios on Sharia Commercial Bank Profitability: A Case Study of Indonesia

2020 ◽  
Vol 3 (1) ◽  
pp. 37
Author(s):  
Faiza Husnayeni Nahar ◽  
Calvin Faza ◽  
Muhammad Azizurrohman
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Operational Efficiency ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Domestic Product ◽  
Series Data ◽  
Efficiency Ratio ◽  
Return On Assets ◽  
Capital Adequacy Ratio

Having experienced significant growth, sharia commercial bank in Indonesia has become one of the drivers of economic growth in Indonesia. This study aims to analyze the effect of macroeconomic and financial ratios on the profitability of Islamic commercial banks in Indonesia. This study used qualitative data using secondary data during the period 2011-2018. The methodology used is panel data which combines time series data and cross section data. Variables used include Non Performing Finance (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER), Inflation, Domestic Product Growth (GDP), and Exchange Rates. The results of this study indicate that Non-Performing Finance (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER) have a significant influence on Islamic Bank Return On Assets (ROA) in Indonesia. Meanwhile, Growth Domestic Product (GDP), and Exchange Rate appear with no significant effect on the Return on Assets (ROA) of Sharia Commercial Banks in Indonesia.

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