PENGARUH EFISIENSI OPERASIONAL TERHADAP KINERJA KEUANGAN PADA BANK UMUM SYARIAH DI INDONESIA

2019 ◽  
Vol 3 (1) ◽  
pp. 17-30
Author(s):  
Diharpi Herli Setyowati
Keyword(s):  
Regression Analysis ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Return On Assets ◽  
Operating Income ◽  
Operational Costs ◽  
Analysis Technique

This study aims to measure and analyze the effect of operational efficiency which is proxied by bank financial ratios consisting of the ratio of Operational Costs to Operating Income (BOPO), Allowance for Earning Asset Losses (PPAP), Non-Performing Finance (NPF), to Return on Assets (ROA). The method used in this research is an explanatory method. The sample of this research is 11 Islamic Commercial Banks (BUS) with the use of purposive sampling technique in determining the sample. The data used in this study are secondary data obtained from annual bank reports from 2010 to 2018. The analysis technique used is multiple linear regression analysis. The results showed that only BOPO had a negative and significant effect on financial performance, which was proxied by ROA.

scholarly journals Pengaruh CAR, FDR, Dan BOPO Terhadap ROA Pada Bank Syariah Di Indonesia

2021 ◽  
Vol 9 (2) ◽  
Author(s):  
Intan Rika Yuliana ◽  
Sinta Listari
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Predictive Ability ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio

Banking companies, including Islamic banking, need to avoid problems that can cause financial failure, which can make the bank unable to carry out its business operations and may end up in bankruptcy, so that the level of soundness of the bank based on risk must always be monitored. Therefore, banks must maintain their financial ratios in accordance with Bank Indonesia decisions and maintain their performance. So analyzing the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and the Ratio of Operating Costs to Operating Income (BOPO) on Return On Assets (ROA) in Islamic Banks is considered very important.   This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs on Operating Income (BOPO) on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia. This research includes quantitative research and the type of data used is secondary data. The data used in this study is the ratio of CAR, FDR, BOPO, and ROA for the period 2014–2019 which was obtained from the annual Financial Statements on the official website of each bank.   The population in this study were 14 Islamic Commercial Banks in Indonesia. After passing the purposive sampling stage, there were 6 samples of Sharia Commercial Banks that were suitable for use, namely BCA Syariah, BNI Syariah, Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah and BRI Syariah. The analytical method used in this research is Multiple Linear Regression Analysis.   The results of the partial study with the t-test showed that the CAR and FDR variables had a positive and significant effect on the ROA of Islamic commercial banks. While the BOPO variable has a negative and significant effect on the ROA of Islamic commercial banks. And the results of the f test show that the CAR, FDR, and BOPO variables together have a significant influence on the ROA of Islamic commercial banks. The predictive ability of these three variables on ROA is 82.7%, the remaining 17.3% is explained by other variables outside of this research.   Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses per Operating Income (BOPO), Return On Assets (ROA)

Pengaruh Loan to Deposit Ratio Dan Biaya Operasional Pendapatan Operasional Terhadap Profitabilitas Bank

2021 ◽  
Vol 9 (3) ◽  
Author(s):  
Bella Aldama Faradilla ◽  
Filani Zikri Hassan ◽  
Soei Khim
Keyword(s):  
Regression Analysis ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Significance Test ◽  
Operating Costs ◽  
Operating Income ◽  
Operational Costs ◽  
Main Target ◽  
Analysis Determination

Profitability is the ability or ability of banks to make a profit. The problem of profitability is very important because bank revenue is the main target that must be achieved by the bank because the main goal of the bank is to achieve profit. The higher the bank's profitability, the better the bank's performance. The formulation of the problem in this study are does the Loan to Deposit Ratio (LDR) affect profitability, Operational Income Operational Costs (BOPO) affect profitability and Loan to Deposit Ratio and Operational Income Operational Costs affect Profitability. Public Bank for the 2014-2019 period. Data were analyzed using the classic assumption test, multiple linear regression analysis, Determination analysis, simultaneous significance test (F test) and partial significance test (t-test). The results showed that the Loan to Deposit Ratio had a negative and significant effect on Profitabiltas. Operating Costs Operating Income has a negative and significant effect. Loan to Deposit Ratio and Operating Costs Operating Income has effect on profitability at commercial banks for the 2014-2019 period. Keywords : LDR, BOPO and profitability

scholarly journals Analysis of Some Factors Affecting Interest Rate Deposits And Savings At Umu Bank In East Java

2018 ◽  
Vol 1 (1) ◽  
pp. 46-55
Author(s):  
Moch Aditya Hendro P ◽  
Ririt Iriani Sri Setiawati
Keyword(s):  
Regression Analysis ◽  
Interest Rate ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Return On Assets ◽  
Deposit Rate ◽  
Factors Affecting ◽  
Independent Variables

The purpose of this study is to find out how many factors affect the rate of deposits and savings at commercial banks in East Java. This study uses secondary data for 15 years since 2001-2015 by using multiple linear regression analysis to determine the effect simultaneously and partially from Inflation variable, Gross Regional Domestic Product, Total Money Supply, Return On Assets to variable Interest Rate Deposit Rate And Savings as dependent variable. The results showed that simultaneously all the independent variables (X) affect the level of Deposits and savings. Partially variable of GRDP, JUB, ROA have an effect on significantly to deposit and saving interest rate while Inflation variable has no significant effect.

scholarly journals PENGARUH LDR, NPL, DAN BOPO TERHADAP PROFITABILITAS PADA LPD DI KABUPATEN GIANYAR

2020 ◽  
Vol 9 (8) ◽  
pp. 2998
Author(s):  
Ni Putu Novi Antari ◽  
I Gde Kajeng Baskara
Keyword(s):  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Financial Statement ◽  
Operating Income ◽  
Operational Costs ◽  
Analysis Technique ◽  
Data Source ◽  
Observation Method ◽  
The Village

The purpose of this study is to explain the effect of Loan to Deposit Ratio, Non Performing Loans, and Operational Costs Operating Income on Profitability. This research was conducted at the Village Credit Institutions in Gianyar Regency in 2018. The number of samples used was 243 LPD, with saturated sampling method. Data collection method used is nonparticipant observation method, which is through observations made on LPD financial statement data publication documents. The type of data is quantitative data. The data source used is secondary data obtained from the Village Credit Empowerment Institute (LPLPD) of Gianyar Regency. The analysis technique used is multiple linear regression analysis techniques. The results of this study prove that the Loan to Deposit Ratio does not significantly influence profitability, Non Performing Loans and Operational Costs Operating Income has a negative and significant effect on the profitability of LPDs in Gianyar Regency. Keywords: loan to deposit ratio, non-performing loans, operational costs operating income, profitability

scholarly journals Analisis Pengaruh Financing To Deposit Ratio, Rasio Efisiensi Kegiatan Operasional, Non Performing Financing, Dan Inflasi Terhadap Return On Asset pada Bank Umum Syariah di Indonesia Periode 2014-2019

2021 ◽  
Vol 2 (2) ◽  
pp. 123
Author(s):  
Siti Aminatun Jazila ◽  
Saniman Widodo ◽  
Siti Hasanah
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Analysis Model ◽  
Efficiency Ratio ◽  
Simultaneous Test ◽  
Analysis Technique

This study aims to analyze the significance effect of Financing to Deposit Ratio (FDR), Operasional Activity Efficiency Ratio (REO), Non Performing Financing (NPF) and Inflation toward Return On Asset (ROA) at Sharia Commercial Banks in Indonesia Period 2014-2019, both simultaneously and partially. The population in this study were all Sharia Commercial Banks in Indonesia period 2014-2019, while the sample in this study were 4 (four) Sharia Commercial Banks in the period of 2014-2019, which were selected using purposive sampling technique. The analysis model in this study is a multiple linear regression analysis model, and the analysis technique used the simultaneous test (F test), determination coefficient test (R2), and partial test (t test). The result of this study showed that the FDR, REO, NPF and Inflation simultaneously have a significant effect toward ROA at Sharia Commercial Banks in Indonesia period 2014-2019. Furthermore FDR partially has a positive but not significant effect toward ROA, REO partially has a negative and significant effect toward ROA, NPF partially has a negative but not significant effect toward ROA, and Inflation partially has a positive and significant toward ROA at Sharia Commercial Banks in Indonesia period 2014-2019.

scholarly journals PENGARUH NPL, CAR, ROA DAN BI RATE TERHADAP PENYALURAN KREDIT PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2014 – 2016

Medikonis ◽  
2020 ◽  
Vol 11 (1) ◽  
pp. 71-84
Author(s):  
Eling Ri Kurniati ◽  
Febriana Eriska Putri
Keyword(s):  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Sampling Technique ◽  
Total Sample ◽  
Multiple Linear Regression Analysis ◽  
Publicly Traded ◽  
Return On Assets ◽  
Public Banks ◽  
Internal And External Factors

  The problem on this research was the number of internal and external factors of the bank that affect lending to commercial banks.This research aimed to analyze the effect of partial Non Performing Loans (NPL), Capital Eduquecy Ratio (CAR), Return On Assets (ROA) and BI Rate on lending to commercial banks, and analyze the influence of Non Performing Loan (NPL) variables, Capital Eduquecy Ratio (CAR), Return On Assets (ROA) and BI Rate simultaneously to lending to commercial banks. This research was associative causal. The data used in this research was secondary data from the results of Bank Indonesia publications  and the official IDX website at www.idx.co.id. The population on this research were all publicly traded public banks listed on the IDX. The sampling technique in this research used purposive sampling method. The total sample in this research were 25 banks. Data Analysis in this research using multiple linear regression analysis with SPSS software. The results showed that the partial Non Performing Loans (NPL), Capital Eduquecy Ratio (CAR), and BI Rate did not affect credit distribution while the Return on Assets (ROA) variable partially affected the lending. Simultaneously the Non Performing Loan variable (NPL), Capital Eduquecy Ratio (CAR), Return On Assets (ROA) and the BI Rate have an effect on lending.

Pengaruh Kepemimpinan dan Disiplin Kerja Terhadap Kinerja Karyawan: Studi Kasus PT Sucofindo Palembang Indonesia

MBIA ◽  
2019 ◽  
Vol 18 (1) ◽  
pp. 76-84
Author(s):  
Muhammad Idris ◽  
Dian Novita Sari
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Random Sampling ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Collection Method ◽  
Analysis Techniques ◽  
Analysis Technique

The problem in this study is whether there is an influence of leadership and work discipline on the employees’ performance of PT.Sucofindo Palembang City. This research includes associative research. The sample in this study were 88 respondents, with propotionate random sampling analysis technique. The data used were primary data and secondary data. Data collection method through questionnare. Analysis techniques using multiple linear regression analysis, F test (Simultaneoys) and t test (partial) and determination coeffiecient. The results show that there is influence of leadership and work discipline on the performance of PT.Sucofindo Palembang City.

scholarly journals PENGARUH RELATIONSHIP MARKETING DAN KUALITAS LAYANAN TERHADAP LOYALITAS NASABAH TABUNGAN SIKOCI PADA BANK NAGARI CABANG SIMPANG EMPAT

2020 ◽  
Author(s):  
Lola Satri ◽  
Alfian
Keyword(s):  
Regression Analysis ◽  
Relationship Marketing ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Positive Influence ◽  
Research Use ◽  
Independent Variables ◽  
Analysis Technique ◽  
Positive Effect

This research has a purpose to know whether relationship marketing and service quality have positive influence to loyalty of customer of saving sikoci at Bank of Nagari branch of Simpang Empat either partially or simultaneously and know which variable is more dominant. The data collection techniques used in this study is a questionnaire. The sample used is 100 customer, with sampling technique using accidental sampling technique. Data analysis technique in this research use multiple linear regression analysis. The results obtained in this study are as follows: (1) Trust has positive effect (944) <(1,984) and not significant (0,348)> (0,05) to loyalty. (2)) Commitment has positive (8,218)> (1,984) and significant (0,000) <(0,05) effect on loyalty. (3) Tangibles has negative (-2,430)> (1,984) and significant (0,017) <(0,05) effect on loyalty. (4) Reliability negatively (-1.570) <(1,984) and insignificant 0, 120> 0.05 to loyalty. (5) Responsiveness has positive effect (5,922)> t table (1,984) and significant (0,000) <(0,05) to loyalty. (6) Warranty has positive effect (1,199) <(1,984) and insignificant 0, 234> 0,05 to loyalty. (7) Empathy has positive effect (186) <(1,984) and insignificant 0, 853> 0,05 to loyalty. From the value of Adjusted R Squere simultaneously produced 566. It means that 56.6% of loyalty variables are influenced by independent variables and the remaining 43.4% is influenced by othervariables.

scholarly journals Pengaruh Biaya Produksi Dan Biaya Operasional Terhadap Laba Bersih

2021 ◽  
Vol 4 (2) ◽  
pp. 731-740
Author(s):  
Ester Meafrida Wati Pasaribu ◽  
Nanu Hasanuh
Keyword(s):  
Regression Analysis ◽  
Linear Regression Analysis ◽  
Sample Selection ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Production Costs ◽  
Operating Costs ◽  
Net Income ◽  
Analysis Method ◽  
Operational Costs

The purpose of this study is to determine the effect of production costs and operating costs on net income in the consumer goods industry sector for the 2015-2019 period. The sample selection uses a sampling technique. In order to obtain a sample of 15 companies and a total of 75 data. The regression analysis analysis method used is multiple linear regression analysis through classical assumption tests and hypothesis testing. Based on the results of this study indicate that partially production costs have an effect on net income and other research results partially operational costs have a significant effect on net income. Simultaneously, production costs and operating costs have a significant influence on net income Keywords: Production Costs, Operational Costs, and Net Profits

scholarly journals PENGARUH PEMBIAYAAN MUDHARABAH, PEMBIAYAAN MURABAHAH DAN TABUNGAN MUDHARABAH TERHADAP RETURN ON ASSETS (ROA) PADA BPR SYARIAH

2021 ◽  
Vol 1 (2) ◽  
pp. 158-168
Author(s):  
Fitri maulidatul Rohmaniah ◽  
Eris Munandar
Keyword(s):  
Regression Analysis ◽  
Research Method ◽  
Quantitative Method ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Third Party ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Financing Risk

The purpose of this study was to determine and analyze the effect of Mudharabah Financing, Murabahah Financing and Mudharabah Savings on Return On Assets (ROA) of Indonesian Sharia People's Financing Banks for the 2015-2020 period. The research method used is descriptive quantitative method. The data used is secondary data. In this study, the analysis used is multiple linear regression analysis, coefficient of determination and hypothesis testing. Based on the results of the analysis of this study, it can be seen that partially Mudharabah Financing has a negative and significant effect on Return On Assets, Murabaha financing has a positive and significant effect on Return On Assets and Mudharabah Savings has a positive and significant effect on Return On Assets at Indonesian Islamic People's Financing Bank for the 2015 period. -2020 and simultaneously Mudharabah Financing, Murabahah Financing and Mudharabah Savings have a significant effect on the Return On Assets (ROA) of Indonesian Sharia Rural Banks for the 2015-2020 period. It is expected that the Indonesian Islamic People's Financing Bank will further improve its performance by minimizing financing risk and increasing the amount of third party funds so that its profitability growth is maximized.

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