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 Effect of Loan to Deposit Ratio (LDR) and BOPO on Profitability on PT BPR Bali Ambassador for the Year 2014-2018

2020 ◽  
Vol 1 (2) ◽  
pp. 84-93
Author(s):  
Ni Made Rusmini ◽  
Ade Maharini Adiandari
Keyword(s):  
Regression Analysis ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Significance Test ◽  
Operating Costs ◽  
Significant Positive Effect ◽  
Operational Costs ◽  
Main Target ◽  
Positive Effect ◽  
Analysis Determination

Profitability is the ability or ability of the bank to obtain profits or profits. The problem of profitability is very important because the bank's income is the main target that must be achieved by the bank because the main purpose of the bank is to achieve profit or profit. The higher the bank's profitability, the better the bank's performance. The formulation of the problem in this study is: whether the Loan to Deposit Ratio (LDR) and Operational Income Operating Costs (BOPO) simultaneously or partially affect the profitability of PT. BPR. Duta Bali for the period 2014-2018? This study aims to determine the effect simultaneously or partially between the Loan to Deposit Ratio (LDR) and Operational Income Operating Costs (BOPO) to Profitability at PT. BPR. Duta Bali for the period 2014-2018. The technique of taking samples in this study uses judgmental sampling. Data were analyzed using classical assumption test, multiple linear regression analysis, Determination analysis, simultaneous significance test (F-test) and partial significance test (t-test). The results of the study indicate that the Loan to Deposit Ratio has a positive and insignificant effect on Profitabiltas. Operational Costs Operational Income has a significant positive effect on profitability. Loan to Deposit Ratio and Operational Costs Operational Income has a significant effect on profitability at PT. BPR. Duta Bali for the period 2014-2018.   

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 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 What Determines Murabahah Margin Income? Evidence from Islamic Commercial Banks in Indonesia

2021 ◽  
Vol 7 (1) ◽  
pp. 22
Author(s):  
Ananda Puteri Wahyuni ◽  
Ratna Mulyany ◽  
Zata Hulwani Zuhri
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Central Bank ◽  
Multiple Linear Regression ◽  
Commercial Banks ◽  
Sampling Method ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Operating Income ◽  
Independent Variables

This study aims to examine factors that influence Murabahah margin income. Spefically it investigates the effect of the Central Bank of Indonesia Rate (BI Rate), Operating Expenses to Operating Income (OEOI), Non-Performing Financing (NPF), and wadiah savings on Murabahah margin income at Islamic Commercial Banks in Indonesia. The method used in this study is quantitative by using the multiple linear regression analysis to test the variables. 12 Islamic Commercial Banks were selected as the sample using a purposive sampling method. With 60 data observations for 5 years, the findings indicate that all the independent variables simultaneously affect the dependent variable. Partially, BI Rate does not affect Murabahah margin income, while in contrast, Operating Expenses to Operating Income (OEOI), Non-Performing Financing (NPF), and wadiah savings affect the Murabahah margin income.

scholarly journals Pengaruh Kualitas Pelayanan, Fasilitas Fisik, Dan Kepercayaan Terhadap Kepuasan Konsumen Pada Taman Surgawi Resort dan Spa Di Kabupaten Karangasem

2021 ◽  
Vol 5 (1) ◽  
pp. 376-387
Author(s):  
Ni Putu Putri Ayu Wijayanthi ◽  
I Gusti Putu Agung Widyagoca ◽  
I Komang Sumerta ◽  
Ni Putu Lia Utami
Keyword(s):  
Quality Of Service ◽  
Regression Analysis ◽  
Customer Satisfaction ◽  
Consumer Satisfaction ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Significance Test ◽  
Test Results ◽  
Analysis Determination

Quality of service, physical facilities and trust are things that affect customer satisfaction. This study aimed to find out how the quality of physical facilities services, and trust can have an influence on consumer satisfaction at Taman Langitwi Resort & Spa in Karangasem district. This study also aims to determine the quality of service, physical facilities, trust and customer satisfaction at Taman Langitwi Resort & Spa in Karangasem district. Data analysis using the classic assumption test, multiple linear regression analysis, analysis, determination analysis, partial significance test (t-test) and simultaneous significance test (F-test) results of the study showed that there was a positive and significant effect between service quality, physical facilities and simultaneous trust in customer satisfaction at Taman Langitwi Resort & Spa in Karangasem Regency.

scholarly journals PENGARUH PENATAAN PRODUK DAN SUASANA TOKO TERHADAP PEMBELIAN TIDAK TERENCANA PADA RIP CURL STORE SEMINYAK KUTA BADUNG

2021 ◽  
pp. 118
Author(s):  
I Komang Sumerta ◽  
I Made Baji Pranawa ◽  
Desak Nyoman Tri Indahyani ◽  
Ni Komang Redianingsih
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Random Sampling ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Significance Test ◽  
Impulse Buying ◽  
Analysis Determination

The formulation of the problem in this study is how the simultaneous or partial influence between display product and store atmosphere on impulse buying at Rip Curl Store Seminyak Kuta Badung? The purpose of this study was to determine the effect of simultaneous and partial display product and store atmosphere on impulse buying at Rip Curl Store Seminyak Kuta Badung. The number of samples is determined by purposive random sampling technique, as many as 100 consumers at Rip Curl Store Seminyak Kuta Badung. Data were analyzed by classical assumption test, multiple linear regression analysis, determination analysis, simultaneous significance test (F-test) and partial significance test (t-test). The results showed that there was a positive and significant effect both partially and simultaneously between display product and store atmosphere on impulse buying at Rip Curl Store Seminyak Kuta Badung.

scholarly journals Pengaruh Giro Wajib Minimum Dan Loan To Deposit Ratio Terhadap Return On Asset

2021 ◽  
Vol 9 (3) ◽  
pp. 211-220
Author(s):  
Shadam Azzahra Ross ◽  
Nusa Muktiadji ◽  
Heri Sastra
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Qualitative Method ◽  
Linear Regression Analysis ◽  
Financial Statements ◽  
Multiple Linear Regression Analysis ◽  
Significance Test ◽  
Return On Assets ◽  
Analysis Determination ◽  
Descriptive Qualitative

This study aims to determine the effect of the Giro Wajib Minimum and Loan to Deposit Ratio on Return On Assets in banking companies included in Book IV for the period 2014-2019.   The method was used a descriptive qualitative method with data obtained secondary from the financial statements of each bank. Data were analyzed using descriptive qualitative analysis methods with multiple linear regression analysis, determination analysis, simultaneous significance test (F test) and partial significance test (t test).   The results of this study indicate that: 1) Statutory Reserves have no effect on ROA, 2) Loan to Deposit Ratio has a negative and significant effect on ROA 3) The Statutory Reserves and Loan to Deposit Ratio have a significant effect on Return On Assets.   Keywords: Statutory Reserves, Loan to Deposit Ratio, dan Return On Assets

scholarly journals Influence Of Supportive And Directive Leadership Styles On Employee Job Satisfaction In Commercial Banks In Kenya

2019 ◽  
Vol 2 (3) ◽  
Author(s):  
DAVIDSON MGHANGA MWAISAKA
Keyword(s):  
Job Satisfaction ◽  
Regression Analysis ◽  
Linear Regression ◽  
Leadership Styles ◽  
Leadership Style ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Supportive Leadership ◽  
Employee Job Satisfaction

The purpose of the study was to investigate the influence of supportive and directive leadership style on employee job satisfaction in commercial banks in Kenya. The study adopted positivism research philosophy to guide the study and limited itself to descriptive correlational research design to analyze and provide responses to the research questions. The research design was preferred because it allows description and comparison of characteristics of populations based on data collected from samples through questionnaires. The target population of the study was 15,030 employees in all the 43 commercial banks licensed to operate in Kenya as of June 2018. Using stratified sampling technique, the study drew a sample size of 386 employees reporting to middle level managers. Data was collected by means of a questionnaire and analyzed using descriptive and inferential statistics, which included factor analysis, correlational analysis, chi-square, one-way analysis of variance (ANOVA), and regression analysis using Statistical Package for Social Sciences (SPSS) version 20 and Windows’ Microsoft excel programs.From the findings of multiple linear regression analysis, it was established that directive leadership style had a positive and significant relationship with employee job satisfaction, R2 = .228, F(1, 362) = 53.396, p < .05; β = .454, p < .05. The results from multiple linear regression analysis also showed that supportive leadership style positively and significantly predicted employee job satisfaction, R2 = .603, F(1, 366) = 278.269, p < .05; β = .716, p < .05. In addition, the study tested the moderating influence of environmental contingency factors and was confirmed that environmental contingency factors significantly moderated the relationship between path-goal leadership style and employee job satisfaction, R2=0.090, F(5,364) = 35.04, p < .05; β= 0.229, p<.05.The study makes a contribution to the literature of the influence of directive and supportive leadership styles from Kenyan commercial banks’ perspective and adds an impetus to employees, management and policymakers to address issues that are impeding employee job satisfaction. The future researchers should include all bank employees in their study to determine the influence of directive leadership style and supportive leadership style on employee job satisfaction.

scholarly journals Analisis Pengaruh Brand Awareness, Brand Loyalty dan Harga terhadap Kepuasan Pelanggan PT. Jico Agung Jakarta

2019 ◽  
Vol 16 (02) ◽  
pp. 194-207
Author(s):  
Estu Mahanani ◽  
Bida Sari
Keyword(s):  
Regression Analysis ◽  
Customer Satisfaction ◽  
Brand Loyalty ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Brand Awareness ◽  
F Test ◽  
Research Population ◽  
Analysis Determination

This study aims to determine the effect of brand awareness (X1), brand loyalty (X2) and price (X3) on Customer Satisfaction (Y). The method used is the interactive-associative research. This research population is all of the PT. Jico Agung’s customer in East Jakarta. The sampling technique is done by purposive sampling with certain criteria. The sample of the research are 30 respondents (PT. Jico Agung’s customer who live in RT.013 and 014, RW.07, North Utan Kayu, East Jakarta. Data collection is using observation, interviews and questionnaires. Analysis of the data used is quantitative analysis, including correlation analysis, determination analysis and multiple linear regression analysis (simultaneously), and hypothesis testing using t-test and F-test. The results of data processing performed with SPSS 25.0 for windows. The value of correlation coefficient (R) is 0,848. The value of determination coefficient (R2) is 0,687. It means that 68,7% variation of dependent variable (Customer Satisfaction) could be predicted from the combination of variables (brand awareness, brand loyalty and price) and the remaining 31,3% is influenced by other factors. The regression equation was obtained Ŷ = 0,26 + 0,360 X1+ 0,397X2 + 0,234X3. For the F test obtained F value is calculated at 22.266, greater than F-table (2,98) with α = 5%, so the conclusion: reject Ho and Ha is accepted. It means there is significant influence of brand awareness (X1), brand loyalty (X2) and price (X3) together on Customer Satisfaction (Y).

scholarly journals Measurement of the Effectiveness of Training Programs of Private Commercial Banks in Bangladesh

2020 ◽  
Vol 2 (1-2) ◽  
pp. 68-77
Author(s):  
Sheikh Abdur Rahim ◽  
Md. Kamrul Hossain
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Commercial Banks ◽  
Growth And Development ◽  
Training Programs ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Effectiveness Of Training ◽  
Structured Questionnaire

Training is essential to enhance the performance of employees in every organization, but it is essential to increase the performance of employees in private commercial banks in Bangladesh as they need to satisfy customers to conduct business activities successfully. The management of private commercial banks have provided various training to their employees to enhance their skills, knowledge, competency and so on. They have spent a substantial amount of budget in every year to conduct their training programs. They are continually trying to make their training program effective so that the employees can contribute more to the growth and development of their banks. Therefore, the main purpose of the study is to assess the effectiveness of the training programs of private commercial banks in Bangladesh. Structured questionnaire was used to collect the data/information from 97 bank officials randomly. Frequency distribution, correlation and multiple linear regression analysis were done to interpret the data and information in this study. The study findings show that there are some problems with the effectiveness of training programs of the private commercial banks in Bangladesh. Thus, the authors have conducted this study and provided some suggestions to the management of the banks to overcome these problems and make the training programs effective.

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