scholarly journals Pengaruh Antara Rasio Kecukupan Modal (CAR), Loan To Deposit Ratio (LDR), dan Rasio Biaya Operasional Pendapatan Operasional (BOPO) terhadap Kinerja Profitabilitas Industri Perbankan

2018 ◽  
Vol 6 (2) ◽  
pp. 740-748
Author(s):  
Budi Zulfahri
Keyword(s):  
Economic Growth ◽  
Sampling Method ◽  
Banking Industry ◽  
Operating Cost ◽  
The Other ◽  
Financial Ratio ◽  
Operating Income ◽  
Know How ◽  
Normality Test ◽  
Income Ratio

The influence between Capital Adequancy Radio (CAR), Loan to Deposit Ratio (LDR), Operating Cost To Operating Income Ratio on Profitability Performance of Banking Industry. Contribution of banking is very important to encourage economic development especially to increase industry. The important of contribution of bank to economic growth make many parties more concern about profitability performance of banking. Because of that objectives of the research are to know how the influence some of financial ratio which is represented by Capital Adequancy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Cost To Oprating Income Ratio on Profitability Performance that proxy by WA. The banking population in this research using all of general banking in Indonesia in 2008 amont 123 banking. This research using purposive sampling method to choose “My sample and based on the criteria, has known that 65 banks in Indonesia have a good financial ratio. The research used multiple regression analysis that have been access in normality test and assumption classic test. Based on the results of data hypothesis shoes that LDR has significantly and positively relation on ROA but BOPO has significantly and negatively relation on ROA. Whereas CAR has no significantly on ROA. The contribution of CAR, LDR, and, BOPO influenceses are 69,6% and the remained is influenced by the other factors which is no described.

scholarly journals Analisis Faktor-faktor Profitabilitas Bank

2021 ◽  
Vol 10 (2) ◽  
pp. 278
Author(s):  
Khaerunisa Harsono
Keyword(s):  
Sampling Method ◽  
Banking Industry ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
The Other ◽  
Operating Costs ◽  
Company Size ◽  
Operating Income ◽  
Minimum Capital ◽  
Capital Adequacy Ratio

<em>The purpose of this research is to examine the effect of the minimum capital adequacy ratio, the ratio of non-performing loans, operating costs and operating income, and company size on profitability. This research was conducted in the banking industry listed on the Indonesia Stock Exchange from 2015 to 2019. This research was conducted in the banking industry listed on the Indonesia Stock Exchange (BEI). This study used a purposive sampling method in determining the research sample. The results of this study found that the capital adequacy ratio, operating expenses and operating income (BOPO) of the bank, and Non-performing loan ratio had a significant effect on profitability. On the other hand, company size has no significant effect on the profitability of banks listed on the Indonesia Stock Exchange for the period 2015-2019.</em>

Enhancing Innovation Adoption to Boost SMEs Performance

2020 ◽  
Vol 11 (1) ◽  
pp. 1-20 ◽  
Author(s):  
Neeta Baporikar ◽  
Sigried Shikokola
Keyword(s):  
Economic Growth ◽  
Sampling Method ◽  
Innovation Adoption ◽  
Qualitative Approach ◽  
The Other ◽  
Primary Data ◽  
Major Influence ◽  
Positive Performance ◽  
Strategic Measures ◽  
The Government

SMEs contribute to economic growth, employment and thereby reduce poverty. Hence, they are considered as an engine of growth, especially in the developing countries like Namibia. The other reason is they aid promotion of entrepreneurship, innovative activities enhance competition, productivity and economic growth. Adopting a qualitative approach, this study investigated the influence of innovation on SME performance and how enhancing innovation adoption will boost SMEs performance in the Khomas Region, Namibia. Primary data was collected through open and closed-ended questionnaire, distributed to 20 SME owners by means of purposive sampling method and content analysis done. Findings reflect that innovation is an important element of every organization as it had major influence on performance. Besides, innovative enterprises showed better growth. The recommendations include that the Government of Namibia consider strong financial and mentor-ship support through strategic measures, like business incubators so as to augment and sustain SMEs positive performance.

scholarly journals Analysis of Financial Ratio That Affecting Total Financing of Bank Umum Syariah In Indonesia

2020 ◽  
Vol 4 (2) ◽  
pp. 79
Author(s):  
Zerlinda Tharifah Ulfa ◽  
Purwanto Purwanto
Keyword(s):  
Banking System ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Financial Reports ◽  
Banking Services ◽  
Financial Ratio ◽  
Operating Income ◽  
The People ◽  
Income Ratio

<p><em>This study aimed to analyze the factors that influence the Total Financing of Bank Umum Syariah (BUS) in Indonesia. Islamic banking system in Indonesia was developed within the framework of the dual banking system to give alternatives for more complete banking services to the people of Indonesia. Islamic banking in Indonesia has grown rapidly every year, but it can not be denied the role of Islamic banking in the economy is still relatively small compared with conventional banking. The amount of total financing is only about 5,56% of the banking total credit. It can be seen also in the proportion of assets Islamic banking to national banking assets that only 4.8% and 18.75% of the total national banking accounts. The research data is taken from the financial reports of 10 of Islamic banks in Indonesia. The method used is a quantitative method and </em><em>multiple regression analysis, </em><em>proceed using </em><em>SPSS to </em><em>test normality, </em><em>multicollinearity, </em><em>heteroscedasticity</em><em> and </em><em>autocorrelation</em><em>. </em><em>The result of this research showed that the Capital Adequacy </em><em>r</em><em>atio(CAR), Non-Performing Financing (NPF), and Operating Expense Operating Income ratio (OEOI) had a significant effect on total financing. Meanwhile, Return on Asset (ROA) and Financing to Deposit Ratio (FDR) had no significant effect on the total financing of Bank Umum Syariah.</em><em> Adjusted R Square value is 0.239 or 23,9%. This value shows that the percentage of the contribution of independent variables on total financing is 23.9 %.  The remaining percentages are due to other variables excluded in this model.</em></p>

scholarly journals Analisis Pengaruh Rasio Keuangan Terhadap Kinerja Bank Umum di Indonesia

2017 ◽  
Vol 4 (2) ◽  
pp. 192 ◽  
Author(s):  
Rebecca Stephani ◽  
Moh. Adenan ◽  
Anifatul Hanim
Keyword(s):  
Financial Performance ◽  
Significant Influence ◽  
Service Provider ◽  
Bank Performance ◽  
Return On Assets ◽  
Financial Ratio ◽  
Operating Income ◽  
Net Interest Margin ◽  
Income Ratio ◽  
Quantitative Analyses

Banks is an institution, which has mainly activity is fund deposit from people then credit it for them in generating income. The business is a kind service provider from and into people so it needs public trust. Profitability is one of indicator appropriate to measure the bank performance. Return on Assets (ROA) is measure ability of the bank's management in benefits through total assets owned. The greater the ROA shows the better financial performance due to the greater profit. The purpose of this research is to prove the effect of Operating Expenses and Operating Income Ratio, Net Interest Margin (NIM), Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on bank performance measured by Return On Asset (ROA). The study focused on descriptive quantitative analyses using Ordinary Last Square method (OLS). The result of the research showed that partially NPL and NIM had positive and not significant influence on ROA, but LDR and BOPO had negative and significant influence on ROA. Keywords: financial ratio, and bank performance.

scholarly journals Research on Life Objective Structures of Managers and Entrepreneurs in Serbia

Organizacija ◽  
2009 ◽  
Vol 42 (2) ◽  
pp. 44-58
Author(s):  
Zvonko Sajfert ◽  
Milan Nikolić ◽  
Dejan Djordjević ◽  
Predrag Atanasković
Keyword(s):  
Economic Growth ◽  
Random Sampling ◽  
Sampling Method ◽  
Knowledge Workers ◽  
The Other ◽  
Control Group ◽  
Private Capital ◽  
Public Enterprises ◽  
Great Sense ◽  
Objective Structures

Research on Life Objective Structures of Managers and Entrepreneurs in SerbiaThe purpose of the paper herein is to investigate the different life objective structures of managers and specialists in public enterprises. Owners of private enterprises - entrepreneurs were analyzed as control group. Considering the data obtained by using the random sampling method, one may come to conclusions concerning the characteristics of the observed population. The research revealed that successful private owners-entrepreneurs, being the capital holders, have different structure of life objectives comparing to both managers and specialists in public organizations. The basic idea is that this can be considered as inseparable part of economic growth in any organization which also reflects on the management as well. Since the entrepreneurs invested the private capital to realize their ideas, it is logical that they want to increase their capital. On the other hand, managers and specialists in public enterprises do not have such a great sense for capital increment. They rather share the capital preferring to be sociable (clubs sponsors, great humanitarians). The reason of such acting can be found in a fact that Serbia was influenced by socialism which further resulted in poor education of managers and specialists to change their way of thinking. Managers as well as specialists should become knowledge workers who shall exchange the knowledge.

scholarly journals The Relationship Between Net Interest Margin and Return on Asset: Empirical Study of Conventional Banking in Indonesia

2021 ◽  
Vol 10 (3) ◽  
pp. 362
Author(s):  
Elen Puspitasari ◽  
Bambang Sudiyatno ◽  
Nur Aini ◽  
Gladis Anindiansyah
Keyword(s):  
Stock Exchange ◽  
Operating Cost ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Income Ratio ◽  
Negative Effect ◽  
The Relationship ◽  
Interest Margin

Purpose of this study is to examine the relationship between net interest margin and return on assets by placing the net interest margin as the mediating variables. This study uses a sample of banks listed on the Indonesia Stock Exchange for the period 2015 to 2018. Data used is panel data, with data analysis using path analysis. Results showed that the capital adequacy ratio and non-performing loan do not have effect with NIM. We find a statistically significant negative effect between operating cost/operating income ratio and loan to deposit ratio for the NIM. NPL do not have effect with ROA, while CAR, BOPO, and LDR have a negative effect with ROA. However, NIM is positively related to ROA. The important things from this paper that from sobel test results shown that the NIM mediates the relationship between BOPO and LDR to ROA.   Received: 21 January 2021 / Accepted: 10 March 2021 / Published: 10 May 2021

scholarly journals THE INFLUENCE OF INTEREST RATE, MONEY CIRCULATION, INFLATION, AND CPI AGAINST EXPORT AND IMPORT IN INDONESIA 2012-2018

2020 ◽  
Vol 17 (2) ◽  
pp. 108
Author(s):  
Fazhar Sumantri ◽  
Umi Latifah
Keyword(s):  
Economic Growth ◽  
Price Index ◽  
Consumer Price Index ◽  
Secondary Data ◽  
Global Market ◽  
The Other ◽  
Macroeconomic Variables ◽  
Normality Test ◽  
Dependent Variables ◽  
Import And Export

Indonesia’s economic growth can no longer depends on internal trade only but needs to depend on the export and import with the global market, thus macroeconomic influence towards export and import needs further research.Thus, this research focuses on the effect of multiple macroeconomic variables which are the rate of loans, money supply, inflation and consumer price index towards export and import in Indonesia. The data used in this research are secondary data acquired from BPS, BI and the Ministry of Trade during the periode of 2012-2018, which are analyzed using the classic assumption tests (normality test, autocorrelation test, heteroscedasticity test, and multicollinearity test) followed by the multiple regression analysis. Based on the F test we concluded that all the dependent variables are simultaneously effecting both import and export, while the T test shows that only the Consumer Price Index does not have any effect towards both import and export  while the other variables effect both import and export, this signifies that Consumer Price Index does not need to be considered in analyzing and forecasting of both import and export.

Association of Age, Birth order and Family Income with Psycho-social problems in Rural Adolescents

JMS SKIMS ◽  
2017 ◽  
Vol 20 (2) ◽  
pp. 90-95
Author(s):  
Noorul Amin
Keyword(s):  
Birth Order ◽  
Rural Areas ◽  
Sampling Method ◽  
Family Income ◽  
Psychosocial Problems ◽  
The Other ◽  
Self Report ◽  
Rural Adolescents ◽  
Youth Self Report ◽  
Urban And Rural Areas

Background: The present age is the age of stress. Everybody is disturbed due to one or the other reason irrespective of their age. However, adolescents are more prone to psychological and sociological disturbances.Objectives:To assess the psychosocial problems in adolescents.Methods: The study was conducted in selected schools of urban and rural areas taking 100 participants each for boys and girls using convenient sampling method. The tool used was youth self report. The data collected was analyzed using appropriate statistical methods.Results: The study revealed that 48.5% adolescents were well adjusted; 47% were having mild psychosocial problems; 4% had moderate psychosocial problems and 0.5% had severe psychosocial problems.Conclusion: Adolescents irrespective of their living places had varying degrees of psychosocial problems. JMS 2017; 20 (2):90-95

Rancang Bangun Sistem Informasi Zakat Infaq Shodaqoh Menggunakan Metodologi Extreme Programming

2018 ◽  
Vol 9 (1) ◽  
pp. 31-42
Author(s):  
Rysa Sahrial
Keyword(s):  
Information System ◽  
The Other ◽  
Extreme Programming ◽  
Limited Time ◽  
Limited Information ◽  
Research Information ◽  
Development Method ◽  
Know How ◽  
Five Factors ◽  
Research Information System

Poverty is one continuing social issue which is hard to solve. Dealing with this problem, Islam has already had the alternative solution that is tithe (Zakat). Zakat is implemented to decrease economy imbalanced appeared in the society. While in fact, not all the Moslem pay Zakat. There are five factors as the reason why Moslem didn’t do that. First, some Muzakki wants to deliver his zakat directly.Seconde, not all Muzakki know how much Zakat must be paid. The other factors are Limited information about Mustahik home, limited time that Muzakki have to deliver his Zakat directly and the easiness to report Mustahik data. Dealing with those factors, it is required to have an information system which can make Muzakki meets Mustahik. In this research, information system application used Extreme Programming (XP) development method. XP method is required to program a system which will be made by accomodating the users’ needs and expectations.

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