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PENGARUH BOPO DAN ROA TERHADAP CAR PADA PT BRI Tbk PERIODE 2007-2019 Karyadi; R. Deden Adhianto
EKBIS (Ekonomi & Bisnis) Vol 8 No 1 (2020)
Publisher : POLITEKNIK PIKSI GANESHA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (265.802 KB)

Abstract

Abstract The purpose of this research was to determine the effect of Operational Cost of Operating Income (BOPO), and Return On Asset (ROA) on Capital Adequacy Ratio (CAR), at PT Bank Rakyat Indonesia Tbk for the 2007 to 2019 period. Sampling was based on purposive sampling, and tested with Classical Assumption Test, F Test, T Test, Regression Coefficient and Multiple Linear Regression. The research uses new data on the variables studied until 2019. Preliminary research generally uses a sample of the banking industry sector, while this research is specific to one company, namely PT Bank Rakyat Indonesia Tbk. The results of the study explain that simultaneously the BOPO variable and the ROA variable have a significant (negative) effect on the CAR variable based on the results of F count 21.165> 4.10 or F table / Sig 0.00 <0.05. While partially the BOPO variable affects significantly (negatively) based on the results of T count -5.559> 2.228 T table or Sig 0.00 <0.05), and the ROA variable affects significantly (negatively) the variable CAR with the result of T count -6.243 > 2,228 T table or Sig 0.00 <0.05. Keywords: BOPO, Return on Assets (ROA), Capital Adequacy Ratio (CAR).
The PENGARUH PEMBIAYAAN INVESTASI DAN BOPO TERHADAP ROA PADA LEMBAGA PEMBIAYAAN DI INDONESIA TAHUN 2021 R. Deden Adhianto
EKBIS (Ekonomi & Bisnis) Vol 10 No 1 (2022): Juni 2022
Publisher : POLITEKNIK PIKSI GANESHA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (168.07 KB) | DOI: 10.56689/ekbis.v10i1.549

Abstract

Financing Institutions have an important role in supporting business and economic activities. In addition, it can encourage the creation of prosperity. Therefore, this study was conducted to determine the effect of Investment Financing and Operational Costs and Operating Income (BOPO) on the profitability of the Financing Institution. Profitability chosen is Return On Assets which is a parameter that is in accordance with the prevalence of profitability measurement and the rules of the Financial Services Authority for Financing Institutions. The sample data taken is purposive sampling data in 2021 which was taken from the OJK website. In this descriptive quantitative study, multiple regression analysis was applied to test the effect (F-Test and T-Test), by testing the classical assumptions before, in order to ensure the reliability of the data. The data processing software used is SPSS version 23. From the results of data processing, it can be concluded that: a) Together, the Investment Financing Variable and the BOPO variable have a significant positive effect on the ROA variable; b) Individually, the Investment Financing Variable does not have a significant effect on the ROA variable; c) Individually, the BOPO variable has a significant effect on the ROA variable
DAMPAK NOM, APYD, NPF PADA ROA UNIT USAHA SYARIAH PERBANKAN MASA PANDEMIK COVID-19 2020-2021 R. Deden Adhianto
EKBIS (Ekonomi & Bisnis) Vol 10 No 2 (2022): Desember 2022
Publisher : POLITEKNIK PIKSI GANESHA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (286.766 KB) | DOI: 10.56689/ekbis.v10i2.629

Abstract

Abstract Even during the Covid-19 pandemic, sharia banking business units still need to increase their business capital. This must be done in order to fulfill the requirements to become a sharia commercial bank in 2023. One of the capital additions comes from income, and the ROA ratio is used as a measuring tool. The higher the ROA value obtained, the better. The purpose of this study relates to whether the variables NOM, APYD and NPF have an impact on the ROA variable either simultaneously or partially. For data collection research variables, used purposive sampling method. The data comes from the achievement of the financial performance of the national sharia banking business unit for the period March 2020 - May 2021 which was compiled by the Financial Services Authority. The research was conducted using multiple linear regression and processed by SPSS software. The results of the research conducted showed that the variables NOM, APYD and NPF simultaneously had a significant effect on the ROA variable. While partially the NOM variable has a significant influence on the ROA variable. However, each of the APYD and NPF variables partially does not have a significant effect on the ROA variable. Keywords : NOM, APYD, NPF, ROA
UJI BEDA RATA-RATA DAYA TAHAN TERHADAP RISIKO KRISIS PERBANKAN SEMBILAN BANK UMUM TERBESAR DI INDONESIA PERIODE 2021-2022 R. Deden Adhianto
EKBIS (Ekonomi & Bisnis) Vol 11 No 1 (2023): Juni 2023
Publisher : POLITEKNIK PIKSI GANESHA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56689/ekbis.v11i1.997

Abstract

This study aims to determine whether there are differences in the resilience of the nine largest banks in Indonesia to the risk of a banking crisis. The sample used is based on purposive sampling of CAR, TPF, Credit, LDR and NPL (Net) performance data for 2021 and 2022 from the nine largest banks in Indonesia. To find out the results, a mean difference test was carried out with the Paired Sample Test or with the Wilcoxon test on the data. The results of the study show that in 2021 and 2022 there is no significant difference in KPMM performance and the value is relatively higher than the BI standard. In the TPF performance test, there were significant differences and the numbers increased. The test results on credit performance show significant differences and the numbers have increased. As for LDR performance, there is no significant difference and is at a ratio level in accordance with BI regulations. In NPL (Net) performance, there is a significant difference with very healthy conditions where the NPL (Net) level is decreasing. Keywords : CAR, DPK, Credit, LDR and NPL (Net)