Garuda - Garba Rujukan Digital

Sofyan Marwansyah

ASM BSI JAKARTA

Author-ID : 2552857

Economics, Econometrics & Finance Social Sciences

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ANALISIS BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSETS PADA PT BANK TABUNGAN NEGARA (PERSERO) TBK Sofyan Marwansyah
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 2, No 2 (2015): OKTOBER 2015
Publisher : Universitas Bina Sarana Informatika

Earnings or profitability of the business and is used to measure the level of business efficiency and profitability achieved by bank.Untuk maintain a decent level of profitability, the bank must earn to cover the costs and the bank must strive constantly maintain a certain level of income by taking into account risk factors dihadapi.metode research used in the preparation of this thesis is the observation method is to do a street vendor in the State Savings Bank (Persero) Tbk, study the documentation that is by collecting several topics related to the study of books, internet sites, as well as collect data annual basis through the period 2003-2013 financial statements of the bank in the form of balance sheet and profit / loss have been published and simple linear regression analysis method through IBM SPSS Statistics software 21.Tujuan of this research was to determine the relationship, influence, and the regression equation formed from Operating Expenses and Operating Income (ROA) on Return On Assets (ROA) .From the results of analysis showed that the ROA has a weak relationship and not the direction of the ROA amounted to -0.039, and ROA have a significant effect on ROA of 47.7% while the remaining 52.3% is influenced by other factors. The regression equation that can be formed is y = 4,793-0,039x. Keywords: Operating Costs and Operating Income (BOPO), Return on Assets (ROA)

ANALISIS NON PERFORMING LOAN TERHADAP RETURN ON ASSET PADA BANK MANDIRI PERIODE 2007-2012 Sofyan Marwansyah; Rani Kurniasari
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 1, No 1 (2014): APRIL 2014
Publisher : Universitas Bina Sarana Informatika

The banking industry is an important sector in the national development that serves as a financial intermediary between parties who have surplus funds to those who need funds. Factors that affect the profitability of the bank can be sourced from a variety of performance indicators indicated profitability . Important profitability ratio for banks is Return On Assets (ROA). ROA is important for banks because ROA is used to measure the company's effectiveness in generating profits by exploiting its assets. ROA is the ratio of profit before tax to total assets. The larger the ROA shows the better performance of the company, because the level of return the greater. In this study the authors wanted to see whether there is a relationship between the NPL on ROA and whether there is influence between NPL on ROA at Bank Mandiri period from 2006 to 2012, the discussion of the results obtained that the variable NPL (Non Performing Loan) has a relationship to the ROA of -0.906, this shows that the NPL has strong relationships and the opposite direction on ROA, ROA variables significantly influenced by variables NPL (Non Performing Loan) of 82.05 % , while the remaining 17.95 % is influenced by other factors and views of the regression equation obtained for Y = 3.48 to 0.95 X , this shows that if there is no value then the value of ROA will NPLs amounted to 348 , if the value of NPLs increase by 1 unit , then it will reduce the value of ROA of 0.95 units Keyword: Analysis of Non-performing loan, ROA

ANALISIS PERBANDINGAN RASIO RETURN ON ASSETS PADA BANK BJB DAN BANK BUKOPIN Sofyan Marwansyah
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 3, No 1 (2016): April 2016
Publisher : Universitas Bina Sarana Informatika

The bank's financial statements show the financial condition of banks overall. Based on the report can be calculated a number of financial ratios which is commonly used as the basis of assessment the health of banks and assessment of bank performance. Financial ratios that can be used as the analysis is profitability ratio. methods of data collection are observation, interviews and documentation. The data used is secondary data from the consolidated balance sheet, consolidated statements and reports asset quality of BJB bank and Bukopin Bank. The purpose of the research are to determine homogeneity of variance and analyze differences in profitability ratio of BJB bank and Bukopin bank period 2010 to 2014 by using ratio analysis ROA, BOPO and NIM and data analysis techniques used homogeneity of variance test and independent samples t-test. The results showed that variance of ROA BJB bank and Bukopin bank have equal variances with calculated F value of 1,274 and P-value of 0,289 and thereis differences mean of the ROA significant with t value of 4,614> 2,306 Keywords : Financial ratio, Profitability ratio, ROA

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