BOPO Ratio Research Articles

Analisis Kesehatan Laporan Keuangan Pada PT BPR Syariah Buana Mitra Perwira Dengan Menggunakan Metode Camel Tahun 2016 – 2020

Background - Financial Health of the People's Credit Bank There is an assessment to reflect the role of economic policy, to determine the target and assess the financial health of a bank in a certain period, so that it can be used to analyze and as an evaluation to be able to know the performance of banking management. Purpose - In the Aspect of Camel Assessment have quantification of financial ratio calculations that are useful for assessing the level of financial health of the bank, the higher the capital of the bank that is expected to be the better the performance of its operations and the greater the scale of the operation, the bank is measured by total assets. Design / Methodology / Approach - This research researchers used quantitative research methods. To be able to achieve the objectives need to present an important indicator to determine the financial condition of PT BPR Syariah Buana Mitra Officers. Results and Discussion - The results of the study show that the health level at PT BPR Syariah Buana Mitra Officers in 2016-2020 can be declared very healthy. This means that at this time PT BPR Syariah Buana Perwira is able to guarantee customers for every deposit provided by the Customer and can pay all its obligations in the form of savings deposits, demand deposits, deposits when billed and can fulfill all credit applications that are approved. Conclusion - Car Ratio Analysis, PDN ratio, R0E RATIO, BOPO, NI and NPF ratio analysis at PT BPR Syariah Buana Mitra Officers in 2016- 2020 categorized are very healthy. While the analysis of Rentability using RAA ratio at PT BPR Syariah Buana Mitra Officers in 2016-2020 is categorized as healthy. While the FDR ratio analysis is categorized enough healthy. Research implications - this study can be used as a basis for the financial level of financial levels for the people's credit banks which are currently popping up. With this analysis, it will make BPR managers to be able to predict how the health level of BPR finance is adjusted to the conditions at this time.

SINARMAS BANK HEALTH LEVEL ANALYSIS YEAR 2016-2020 USING THE RGEC METHOD

In general, it is said to be healthy with banks in carrying out some of their functions well by carrying out various policies, especially monetary policy. The level of banking soundness shows the guarantee of the security of the customer's budget stored in the bank. When banking regulations have to assess the Banking Soundness Level using the securities approach (Risk based Banking Rating) as stated in Article 2 paragraph (3), regarding the scope of value on several elements with a risk profile, Good Corporate Governance (GCG) , Earnings (Profitability), Capital (Budget). The observation method used is descriptive analysis. This observation aims to see the level of banking soundness at Bank Sinarmas. Observations by taking secondary data obtained from the financial statements of Bank Sinarmas for 2016-2020 which are available on the website https://www.perbankansinarmas.com/id/. Sinarmas has to make efficiency in terms of spending on business operating costs seen from the high BOPO ratio. Even Bank Sinarmas has to follow up on the settlement of non-performing loans, seen from the fluctuations in the value of the NPL which has been unstable for several years.

Analisis Pengaruh Operating Expenses to Operating Income (Rasio Bopo), Cost Efficiency Ratio dan Non Performing Loan Terhadap Net Profit Margin Pada Perbankan di Bursa Efek Indonesia Periode Tahun 2015-2019

The aims of this research are: 1). Analyzing the effect of operating expenses to operating income (BOPO ratio) on the net profit margin, 2). Analyzing the effect of the cost efficiency ratio on the net profit margin, 3). Analyzing the effect of non-performing loans on the net profit margin, 4). Analyzing the effect of operating expenses to operating income (BOPO ratio), cost efficiency ratio and non-performing loans simultaneously on the net profit margin. The research method used in this research is descriptive and associative or relationship research. While the data analysis method used is descriptive statistics and inferential statistics. Based on the results of this study prove that 1). The results of the calculation of simple regression analysis obtained the probability value of the sig value of 0.000. Because the sig value of 0.000 <0.05, it can be interpreted that there is a significant effect of operating expenses to operating income (BOPO ratio) on the net profit margin. 2). The results of the calculation of simple regression analysis obtained the probability value of the sig value of 0.023. Because the value of sig 0.023 <0.05, it can be interpreted that there is a significant effect of the cost efficiency ratio on the net profit margin. 3). the results of the calculation of simple regression analysis obtained the probability value of the sig value of 0.023. Because the value of sig 0.000 <0.05, it can be interpreted that there is a significant influence of non-performing loans on the net profit margin, 4). the results of the calculation of multiple regression analysis obtained the probability value of the sig value of 0.000. Because the sig value of 0.000 <0.05, it can be interpreted that there is a significant effect of operating expenses to operating income (BOPO ratio), cost efficiency ratio and non-performing loan simultaneously on the net profit margin.

Analisis Determinan Kinerja Keuangan BPR di Kota dan Kabupaten Tegal Tahun 2016-2020

The aims of this research are 1). to find out and obtain empirical evidence of the effect of BOPO on financial performance. 2). To find out and get empirical evidence of the effect of LDR on financial performance. 3). To find out and get empirical evidence of the effect of NPL on financial performance. 4). To find out and get empirical evidence of the effect of CAR on financial performance. 5). To find out and get empirical evidence of the effect of cash ratio on financial performance. 6). To find out and obtain empirical evidence of the effect of BOPO, LDR, NPL, CAR, and cash ratio together on financial performance. The research method used in this study is a descriptive method using a quantitative approach. The data collection technique that the author uses in this research is documentation. While the data analysis method used is descriptive statistical analysis, classical assumption test, multiple linear regression analysis, partial hypothesis testing, simultaneous hypothesis testing, and coefficient of determination. The results of this study are 1) There is an effect of BOPO on the financial performance of BPRs in the City and Regency of Tegal in 2016-2020. 2). There is no influence of LDR on the financial performance of BPR in the City and Regency of Tegal in 2016-2020. 3). There is no effect of NPL on the financial performance of BPR in the City and Regency of Tegal in 2016-2020. 4). There is an effect of CAR on the financial performance of BPR in the City and Regency of Tegal in 2016-2020. 5). There is no effect of the cash ratio on the financial performance of BPRs in the City and Regency of Tegal in 2016-2020. 6). There is a joint effect of BOPO, LDR, NPL, CAR, and cash ratio on the financial performance of BPRs in the City and Regency of Tegal in 2016-2020.

Pengaruh Rasio NPL, LDR, NIM, BOPO, dan CAR Terhadap Profitabilitas Bank BUMN di Indonesia

Abstract: This study intends to examine the effect of the ratio of NPL, LDR, NIM, BOPO and CAR on Profitability (ROA) in Indonesian State-Owned Banks. The sample taken in this study is a saturated sample, that is, all of the population of these banks are sampled, namely Bank Mandiri, Bank Rakyat Indonesia, Bank Tabungan Negara, and Bank Negara Indonesia with a period of 2016-2020 quarters I to IV. The analysis technique used is panel data regression using Eviews 10 software. The results state that simultaneously NPL, LDR, NIM, BOPO, and CAR have an effect on ROA with an effect of 99.2%. While partially the NPL and NIM variables affect ROA in a positive direction, the BOPO variable affects ROA in a negative direction, the LDR and CAR variables do not affect ROA at state-owned banks in Indonesia.
 Keywords: NPL, LDR, NIM, BOPO, CAR, ROA

The Performance of Competitiveness of Sharia Banking (Indonesia-Pakistan) Using Porter's Diamond Theory

This article provides an overview of the condition of the competitiveness of Islamic banking performance in Indonesia and Pakistan using the porter's diamond theory descriptive analysis method, namely (i) resource variables with indicators of Institutional Performance and Financial Performance, (ii) Demand Variables with Market share and financing indicators (iii) Industry variables related to indicators of the number of sharia business units, (iv) Strategy variables with the roadmap for the development of sharia banking. The conclusions in this study are: 1) The competitive advantages of Islamic banking in Indonesia in 2016-2020 namely Institutional Performance of Islamic commercial banks, average profit growth and average growth of third party funds, compared with the same indicators on Islamic banking in Pakistan. 2) Competitiveness of Islamic banking in Pakistan in 2016-2020, namely the Financial Ratio of NPF, FDR and BOPO which ranked first in terms of bank health level, and the average market share growth andfinancing growth compared to the same indicators in Islamic banking in Indonesia.Keywords: Islamic Banking Performance, Competitiveness, Diamond Porter theory.

KINERJA LEMBAGA PERKREDITAN DESA (LPD) BERBASIS BALANCED SCORECARD DI KECAMATAN KERAMBITAN-TABANAN

The purpose of this study was to determine the performance of LPD in Kerambitan District from a financial perspective, a customer perspective, an internal business process perspective and a growth and learning perspective. This research is a descriptive quantitative research in which it provides an explanation related to the performance measurement of the Village Credit Institution (LPD) of Kerambitan District by using the Balanced Scorecard performance measurement approach. The results of this study are the average ROA ratio of LPDs in Kerambitan District for 3 (three) years, namely 2017, 2018, 2019 is 2.60% and is categorized as healthy. The average BOPO ratio is 81.38% and is categorized as healthy. The average LDR ratio is 77.37% and is categorized as healthy. It can be seen that the LPD in Kerambitan District has good management capabilities in generating profits from the total assets owned, can perform cost efficiency from the income generated and show increased liquidity capabilities. From the customer perspective, LPD performance in Kerambitan District is assessed based on customer assessments with five indicators, namely the completeness of LPD facilities, LPD employee service, LPD employee alertness, security assurance, and care. sophisticated equipment, forms are not provided and customers still have difficulty in filling out forms, long waiting times in service, and there is no special place for customer complaints. The performance of LPD in Kerambitan District, Tabanan from the customer perspective is of good quality, which is 90.4 percent because the proportion of positive statements is higher than 60 percent. From an internal business perspective, an assessment of the LPD product innovation process is carried out in the District of Kerambitan Tabanan. Of the 12 LPDs in Kerambitan District, there are 7 LPDs that have not innovated their products and 5 LPDs that have innovated their products in the 2017-2019 period. The performance of LPDs in Kerambitan District is still not said to be good, this is because LPDs have not innovated or developed with their products in the last 3 year period, namely 2017- 2019. From the perspective of growth and learning, LPD performance in Kerambitan District is assessed based on the assessment of its employees with four indicators, namely awards given, employee commitment, relationships with colleagues and facilities provided by LPD are of good quality, which is 90.96 percent because the proportion of statements positive is higher than 60 percent. LPD employees in Kerambitan Sub-district, Tabanan were satisfied in all the items measured. These results indicate that the LPDs in Kerambitan Sub-district have managed and developed employees well which are able to improve their work abilities.

PENDUGAAN PARAMETER MODEl DISTRIBUTED LAG POLA POLINOMIAL MENGGUNAKAN METODE ALMON

The distributed lag model is a regression model that describes the relationship between the dependent variable of a given period and the independent variables of a certain or previous periods. The model can be used to determine the impact of the independent variable to dependent variables over time and forecast time series data for the next periods. There are two forms of distributed lag model that have been widely proposed in the estimation of distributed lag regression model. The first form is proposed by Koyck and the second form by Almon. This paper aims to apply the Almon model to examine the effect of the ratio of BOPO (Operating Cost and Operating Income) to the ROA (Return on Asset) of a government bank based on quarterly data, to estimate its parameters, to examine the feasibility of the model, and to predict the next quarter. Results shows that distributed lag model is = 10.110 - 0.078 + 0.015 + 0.026 – 0.045 with Yt is ROA, and Xt is the ratio BOPO on the 1st quarter until the previous 3 quarters. The model is quite good according to the determination coefficient that is 0.75, no autocorrelation in the model, t test and F test are also significant. Based on the model, the value of ROA ratio next quarter predicted 4.63%. The decrease in profitability ROA ratio is due to an increase in interest expense while interest income can not compensate

The Moderating Role of Information Technology in The Performance of Baitut Tamwil Muhammadiyah in Central Java Indonesia

This study aimed to analyze the moderating role of Information Technology in the performance of Baitut Tamwil Muhammadiyah (BTM) in Central Java, Indonesia. The target population was members of this Islamic Microfinance Institution. Data from 2015 to 2018 in the Central Java Sharia Office was used to obtain a sample size of 14 from 21 BTMs. Multiple Regression Analysis was then applied to analyze this data and explain the relationship between variables. The results showed that independent variables, including CAR, NPF, and BOPO ratios are positively correlated with ROA (Return on Assets) of BTM, except FDR. Information technology system moderation variables including FDR_SYSTEM and BOPO_SYSTEM significantly and positively affect ROA, while CAR_SYSTEM and NPF_SYSTEM are negatively correlated with the returns on total assets of the institution. In general, BTM should use I.T. for excellent performance and join academics and other stakeholders to increase awareness of the benefits of these computer-based systems in Islamic Microfinance institutions.

Risk Based Banking Financial Performance Impact on PSAK 71 Implementation (Study at Bank Mega Tbk.)

This study to examine the effect of PSAK 71 to banking performance based on Bank Mega Tbk. Banking performance component is risk profile, good corporate governance, earnings, and capital. The research data used secondary collected through the documentation method. The data collection used library research.
 The results of this study showed that risk profile with NPL ratio and LDR ratio had an impact decrease in the percentage ratio after PSAK 71. Good corporate governance have not an impact after PSAK 71. Earnings with ROA ratio and ROE ratio have not an impact after PSAK 71, but BOPO ratio and NIM ratio had an impact decrease in the percentage ratio after PSAK 71. Capital has not an impact after PSAK 71.

ANALISIS PERBANDINGAN KINERJA KEUANGAN BUS DAN UUS ANTARA SEBELUM DAN SELAMA PANDEMI COVID-19

This study aims to analyze the financial performance of Islamic commercial banks and Islamic business units between before and during the pandemic. This study uses an analysis of the soundness of banks known as CAMEL, which is proxied into the ratio of CAR, NPF, ROA, BOPO and FDR. This study uses a quantitative method by using a comparative approach that compares the similarities or differences of two or more properties and objects studied in a certain frame of mind. This study uses monthly financial reports in 2019-2020. The population of this research is Islamic commercial banks and Islamic business units that issue monthly financial reports. The statistical method used is the descriptive statistical test and Wilcoxon signed-rank test. The results show significant differences in the CAR ratio of Islamic commercial banks, NPF of Islamic commercial banks and Islamic business units, BOPO of Islamic business units, and FDR of Islamic commercial banks. Meanwhile, there was no significant difference between before and during the pandemic for the ROA of Islamic commercial banks and Islamic business units, BOPO of Islamic commercial banks, and FDR of Islamic business units.

Analisis Perbandingan Kinerja Keuangan PT Bank Syariah Mandiri Dengan Menggunakan Pendekatan Laba Rugi Dan Nilai Tambah Periode Tahun 2016-2020

The analysis of the financial performance of Islamic banks so far has been carried out only based on the balance sheet and income statements, not using the value added report as recommended by Baydoun and Willet (2000), an expert in Islamic accounting. The purpose of this research is to review the financial performance of Islamic banking by comparing the results of financial performance using the profit and loss approach and those using added value. To obtain accurate evidence regarding differences in the financial performance of Islamic banking when calculated using the profit and loss approach and added value, it is seen from the ratio of ROA, ROE, LBAP, NPM and BOPO. This study took a sample on the financial statements of PT. Bank Syariah Mandiri 2016 to 2020.
 
 
 Keywords: Financial Performance, Income Statement, Value Added Report

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

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)

Analisis Kinerja Keuangan Bank Syariah dan Peran Kebijakan Ekonomi Islam pada Masa Pandemi Covid-19

Abstract: The covid-19 pandemic is an epidemic of dangerous diseases that have attacked the world, including Indonesia, resulting in death. Covid-19 has a significant impact on the development of the world economy. The current pandemic has resulted in all sectors of human life, without exception. The Islamic banking financial system is being affected by the pandemic. This research aims to analyze the financial performance of Islamic banks and the role of Islamic economic policies. This research uses quantitative analysis. This research type is based on using statistical procedures. The results show that the bank's financial performance is still healthy to face the risk of loss events during the Covid-19 pandemic. The average value of the ROA ratio is 0.88%, which means it is pretty healthy. While the average value of the ROE ratio is 5.35%, which means it is pretty healthy. Meanwhile, the average NPF ratio of 3.89% means healthy, and the average value of the BOPO ratio is 90.37%, which means it is very healthy. The solutions offered include distribution of exclusive cash donations based on zakat, infak, alms, and endowments, then through donations of superior venture capital for the business sector or Micro, Small, and Medium Enterprises, as well as through the development of Islamic financial technology.

Kecukupan Modal, Risiko Kredit, Rasio BOPO, dan Likuiditas pada Profitabilitas Bank

Profitability is the ability of a bank to make a profit through the use of its assets. The health and stability of a bank is very important for the country's economy as well as for the business sector and for its customers. Banking financial ratios can be used to assess a bank's soundness. The purpose of this research is to gather empirical evidence about the impact of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Operational Cost of Operating Income (BOPO), and Loan to Deposit Ratio (LDR) on the profitability of conventional banks listed on the Indonesia Stock Exchange from 2017 to 2019. The research was carried out by examining the annual financial reports available on the IDX website. Purposive sampling was used as the sampling method. This study's sample consisted of 40 banking institutions. Multiple linear regression is used in the data analysis technique. Better capital adequacy and liquidity increased banking companies' ability to generate profits, according to the findings. Meanwhile, higher credit risk and BOPO ratios can limit a bank's ability to generate profits.
 Keywords: Capital Adequacy; Credit Risk; BOPO; Liquidity; Profitability.

IMPACT COVID-19 TERHADAP RENTABILITAS BANK PERKREDITAN RAKYAT KONVENSIONAL DI KABUPATEN SUKOHARJO

The purpose of this study was to determine the effect of the Covid-19 pandemic as measured using the ratio of NPL (Non Performing Loan), BOPO, LDR (Loan Deposit Ratio), and NIM (Net Interest Margin) as independent variables on rentability measured using the ROA (Return) ratio. on Assets) as the dependent variable on conventional rural banks in Sukoharjo district. The study population was 16 BPR registered with the Financial Services Authority. From this population, 12 samples were taken that met the criteria of the purposive sampling technique. The object of research is the BPR quarterly financial reports for 2019-2020, which consist of 4 quarters in 2019 and 3 quarters in 2020. Data collection techniques use indirect observation, which is to collect financial report data through the official website www.ojk.go.id. Quantitative methods with secondary data are the methods used in research. Data analysis used multiple linear regression with SPSS 19 application. This study resulted that the NPL, LDR, and NIM variables partially did not have a significant effect on ROA, while BOPO partially had a significant effect on ROA. However, if simultaneously the four independent variables have a significant effect on ROA.

Analisis Kesehatan Laporan Keuangan pada PT Bank Muamalat Indonesia Tbk dengan Menggunakan Metode Camel Tahun 2015–2019

The purpose of this study is to determine the level of health at PT Bank Muamalat Indonesia Tbk using the CAMEL method (Capital, Asset Quality, Management, Earning, and Liquidity) for the 2015-2019 period. The results of research on the health of PT Bank Muamalat Indonesia Tbk in 2015-2019 show that the ratio of CAR, NPF, and NI is considered good, while the ratio of PDN and FDR is considered quite good. However, the ROA, ROE, and BOPO ratios are considered less good because all the results of the ratios are included in the unhealthy category.

ANALYSIS OF BANK OPERATIONAL PERFORMANCE EFFICIENCY USING OPERATIONAL COST RATIO ON OPERATIONAL INCOME AT PT. BPR CENTRAL SEJAHTERA TANJUNGPINANG

The purpose of this study was to determine the efficiency of operational performance at PT. BPR Central Sejahtera Tanjungpinang by using the BOPO ratio. BOPO is the ratio used to measure the efficiency of the Bank's Operations.The results of this research can be seen that the BOPO ratio at PT.BPR Central Sejahtera tends to increase from 2015 to 2019 in a row 85.16% in 2015, which means that every Rp1 income earned by the bank is Rp. expenses that must be borne by the bank, in 2016 amounted to 81.75%, in 2017 amounted to 83.96%, in 2018 amounted to 84.28% and in 2019 amounted to 85.75% . Based on research results, the operational performance efficiency of PT BPR Central Sejahtera for the period 2015-2019 tends to decline during the 2015-2019 period. Although experiencing an increase in the OEOI ratio, it is still in the Healthy category because the maximum limit of BOPO percentage is above 89%. The increase in BOPO was due to a decrease in Contractual Interest Income.

Analisis Kondisi Financial Distress pada Perusahaan Perbankan di Bursa Efek Indonesia

This study aims to analyze financial ratios in predicting financial distress in banking companies listed on the IDX using the CAR, NPL, BOPO, ROA, ROE, and LDR ratios. The sampling technique is purposive sampling with the criteria of companies that have the potential to experience financial distress, characterized by companies that experience negative net income for at least two consecutive years and those that do not. The method of analysis is logistic regression with data pooling. The results show that NPL can predict the financial distress condition of a banking company, while CAR, BOPO, ROA, ROE, LDR cannot predict the financial distress condition of a banking company.
 Keywords: Financial Distress, Financial Ratios, Banking, Logistic Regression

Rasio Keuangan Dalam Menilai Kinerja Lembaga Perkreditan Desa Di Buleleng

This study aims to analyze the value of BOPO, CAR, and NPL on the value of ROA. The type of data used is quantitative data sourced from the financial statements of the Penglatan Traditional Village LPD from 2016 to 2020. In analyzing the data, the data analysis technique used is Multiple Linear Regression Analysis, which is intended to determine the strength of the relationship, determine the effect simultaneously and finally to find out the partial relationship between the independent variable and the dependent variable. Where the BOPO, CAR, and NPL ratios are used as independent variables and the ROA ratio is used as the dependent variable. Based on the analysis that has been done, the result that: first test the model through the analysis of the coefficient of determination (R2) obtained the strength of the relationship Adjusted R Square of 0.387 or 38.7% ROA LPD Penglatan Village People affected by the variation of the three independent variables used. Second, from the F test (simultaneous test), the results show that BOPO, CAR, and NPL together have a significant positive effect on ROA. Third, through the T test, the results show that BOPO has a negative and insignificant effect on ROA, CAR has a negative and insignificant effect on ROA, and NPL has a negative and insignificant effect on ROA.