BOPO Variables Research Articles

ANALISIS PENGARUH RISIKO BANK TERHADAP PROFITABILITAS BANK SYARIAH PERIODE 2020-2023

This study aims to analyze the effect of Bank risk on the profitability of Islamic Banks for the period 2020-2023. This research method uses a quantitative approach. The data collection method in this study uses the documentation method. The population used is all Islamic banks listed on the Indonesia Stock Exchange (IDX) in the 2020-2023 period with a total of 33 companies. The sampling technique in this study used probability sampling. The data used in this study are secondary data. The data source used is through the analysis of the financial statements of all companies that are the research sample with a period range of 2020-2023. The data analysis technique in this study used panel data regression analysis. The results of this study are that simultaneously all NPF, CAR, and BOPO variables can have a significant effect on ROA at Islamic banks in 2020-2023. Partially, the NPF and CAR variables do not have a significant effect on ROA growth at Islamic Banks in 2020-2023. Partially, the BOPO variable can have a significant negative effect on ROA growth at Islamic Banks in 2020-2023.

PENGARUH FAKTOR INTERNAL TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2018-2022 DENGAN FAKTOR EKSTERNAL SEBAGAI VARIABEL KONTROL

Although Islamic Banking has shown its performance as a solution-oriented bank, the Islamic banking sector still has difficulties in maintaining the stability of its profitability. In fact, to carry out its operations, banks must have high profits and when the Islamic banking sector is strong, it is very important for financial inclusion and stability of the domestic banking system. Having profitability above the minimum limit set by Bank Indonesia is the key to achieving positive banking performance. This study aims to investigate the determinants of profitability in the Islamic banking industry in Indonesia, using panel data from Sharia Commercial Banks in the period 2018 to 2022. The authors used panel data regression analysis to test the influence of CAR, NPF, FDR, and BOPO on Profitability represented by Return on Assets (ROA). Interestingly, of the four hypotheses formed, only the BOPO variable has a significant effect on profitability (ROA). This result is useful to help banking stakeholders in knowing the factors to maximize their profitability, then it is also used for government stakeholders such as the Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) in evaluating the financial performance of Islamic banking.

Kinerja Keuangan Bank Umum Syariah di Indonesia Pasca Pandemi COVID-19

The aim of this research is to analyze the financial performance of sharia commercial banks (BUS) after the COVID-19 pandemic through the CAR, NPF, FDR and BOPO variables on the ROA of BUS registered with the OJK 2019-2024. The method used is quantitative with a research sample of 6 BUS determined through a purposive sampling technique. The secondary data analyzed was obtained through the official OJK website. The data is then analyzed through descriptive statistics, classical assumption tests, and hypothesis testing. The empirical findings show that all CAR, FDR and BOPO variables partially have no influence on ROA from BUS, except that NPF is proven to partially have a positive influence on ROA. Simultaneously, all independent variables have an influence on BUS ROA.

Comparative Analysis Of Financial Performance Of Conventional Banking In Asean

ASEAN is a combination of 10 countries in Southeast Asia. Each ASEAN member country has a different banking system, but all are dominated by conventional banks which have an important role in the region's economic growth. This research aims to identify the influence of the NPL, CAR, and BOPO variables partially and simultaneously on ROA on the financial performance of conventional banking in ASEAN. Apart from that, this research also aims to compare differences in regulatory structures to identify the strengths and weaknesses of banks that show strong financial performance in facing challenges and to assist in evaluating systematic risks that may arise from the banking sector in ASEAN countries. The method used in the research is a quantitative method with a comparative or comparing approach, and the data was analyzed through a panel test using Eviews 12 software. The results of the hypothesis test showed that simultaneously, the three variables (NPL, CAR, and BOPO) significantly influence banking profitability in ASEAN (Indonesia, Malaysia, Singapore, and Vietnam).

Determinan Profitabilitas pada Bank Konvensional di Indonesia

Increased economic growth in Indonesia is not always accompanied by increased profitability in the banking sector in Indonesia, this can be caused by various factors. This survey aims to provide the effect of non-performing financing, liquidity, and BOPO on profitability. The sample of this study is 204 data points from 72 conventional banks listed on the IDX and official banking websites during the period 2020 - 2022, through the purposive sampling method. Descriptive with a quantitative approach is the type of method used. Multiple linear regression analysis using the test tool, SPSS 18, is a technique that is applied in analysis. This study’s findings suggest that partially the LDR variable shows a positive as well as significant effect on profitability in conventional banks in Indonesia. Meanwhile, partially the NPL and BOPO variables shows a negative as well as significant effect for profitability in conventional banks in Indonesia. The effect of independent variables, according to the coefficient of determination of 82.8% can affect ROA, while the other 17.2% is influenced variables outside the research model.

Pengaruh ROA dan BOPO terhadap Financial Sustainability Ratio (FSR) di PT BPR Bank Sleman (Perseroda)

The growing banking sector has made banks an important part of the country's economy today. PT BPR Bank Sleman (Perseroda) is one of the BUMDs in Sleman Regency which was established to improve the welfare of the community through the financial sector. So that financial sustainability is an important thing related to the sustainability of PT BPR Bank Sleman (Perseroda) in its financial aspects. This study uses independent variables, namely Return on Asset (ROA), Operating Costs of Operating Income (BOPO) with the dependent variable Financial Sustainability. The purpose of this study is to see the effect of Return on Asset (ROA), Operating Cost of Operating Income (BOPO) on Financial Sustainability. This study uses the research object PT BPR Bank Sleman (Perseroda) which has a mission to realize community welfare in the financial sector. Based on the results of the t test on the ROA variable, it has a t count of 0.072. Indicates that the ROA variable has a negative and insignificant effect on the Financial Sustainability Ratio (FSR). While the BOPO variable has a t value of 0.072. indicates that the BOPO variable has a negative and insignificant effect on the Financial Sustainability Ratio (FSR). The results obtained from the F test were calculated at 0.006. This shows that there is a joint influence between Return On Asset (ROA) and BOPO on the Financial Sustainability Ratio (FSR) at PT BPR Bank Sleman (Persero).

The Influence of CAR, FDR, and BOPO

One metric used to assess how well a business is performing is profitability. An organization's capacity to turn a profit can be used to measure performance. A high profitability level indicates excellent success for the organization. Return On Assets (ROA) is the ratio used to determine the degree of profitability. At the same time, the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses and Operating Income (BOPO) ratios are known to have an impact on the degree of profitability. This research aims to examine how CAR, FDR, and BOPO affect profitability. This quantitative study utilizes information gathered from Bank Muamalat Indonesia's quarterly financial reports issued between 2013 and 2021. This study employed multiple linear regression with the e-views Nine program as the research method. According to the research's findings, the degree of profitability is significantly impacted by the FDR and BOPO variables but not by the CAR variable. Furthermore, the study's findings indicate that the CAR, FDR, and BOPO variables significantly affect the profitability level simultaneously. The findings of the coefficient of determination (R2) analysis, which indicate that CAR, FDR, and BOPO have an impact on the profitability level, which is 98.60% and 1.40% with the influence of other factors from outside the analysis model, support this.

ANALYSIS OF THE FACTORS CAUSING BAD CREDIT AT SHARIA COMMERCIAL BANKS IN INDONESIA

This purpose of this study was to analyze the factors that cause bad debts at Islamic commercial banks in Indonesia. The population in this study is Islamic Commercial Banks registered with the Financial Services Authority (OJK). Samples were taken through saturated sampling techniques totaling 13 Islamic Commercial Bank data in Indonesia. Factors causing bad debts at Islamic Commercial Banks in Indonesia are shown through reports and data that have been registered with the Financial Services Authority (OJK). The factors that cause bad credit are very important to study because the magnitude of the problems that occur within the internal company is caused by bad credit. The results of this study indicate that based on the t test the BOPO variable (Operating Costs of Operating Income) has a significant effect on NPF (Non Perfotming Financing), Likewise the FDR variable (Financing to Deposit Ratio) has a significant effect on NPF (Non Perfoming Financing). Then in the F test it is known that the BOPO and FDR variables have a significant effect on NPF. The conclusion shows that both partially and simultaneously the BOPO and FDR variables affect NPF

Analysis financial ratio on financial performance of banks with problem finance as intervening variables

The purpose of this study was to analyze the effect of CAR, BOPO and FDR on ROA with Non-performing Financing as an Intervening Variable in Islamic Commercial Banks for the 2016-2020 period. Where this research uses quantitative research using regression analysis as data analysis. This study uses secondary data in the form of panels using the annual data of each Islamic commercial bank selected as the research sample in the 2016-2020 period. The data obtained were then analyzed using the Eviews 10 application tool. The results of this study indicate that the CAR, BOPO, FDR and NPF variables have a partial effect on ROA. The CAR, FDR and NPF variables have no significant negative effect on ROA, while the BOPO variable has a significant negative effect on ROA. And the NPF variable cannot mediate the effect of CAR, BOPO and FDR on ROA. And the results of the research on the ROA of Islamic Commercial Banks before the pandemic (2019) and during the pandemic (2020) using the Wilcoxon Signed Rank Test showed that there were significant differences.

The Moderating Role BOPO of CAR, NPL, NIM and LDR on Banking Stock Returns on the Indonesian Stock Exchange

This research aims to determine and prove the partial and simultaneous influence of Capital Adequency Ratio (CAR), Non Performing Loans (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Operating Costs Operating Income (BOPO) on Stock returns. The second objective is to prove whether BOPO moderates the relationship between Capital Adequency Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Operating Costs and Operating Income (BOPO) on stock returns. This research uses an associative quantitative approach model, namely research to test the influence of the independent variable on the dependent variable. The population used in this research was 43 banks that were included and registered on the IDX for the 2018-2022 period. The sampling technique used uses the Purposive Sampling technique, namely that samples are taken based on certain criteria so that 20 banks are obtained with an observation period of 5 years so that 100 observation data are obtained. The data analysis technique uses Moderating regression where data analysis will use residual testing. Hypothesis testing uses the t test, F test and residual test. The results of this research prove that CAR, NIM, LDR partially have no effect on stock returns. The NPL and BOPO variables partially influence stock returns. Based on the simultaneous test, it can be concluded that the variables CAR, NPL, NIM, LDR and BOPO simultaneously have a significant effect on stock returns. The residual test results show that BOPO does not moderate the relationship between CAR, LDR, NIM and NPL on the Return variable.

Analisis Perbandingan Kinerja Keuangan pada PT Bank Central Asia Tbk Sebelum dan Sesudah Akuisisi PT Bank Interim Indonesia (PT Bank Rabobank International Indonesia)

This research was conducted to investigate whether there are differences in financial performance before and after the acquisition of PT Bank Central Asia Tbk by PT Bank Interim Indonesia (PT Bank Rabobank International Indonesia). The financial ratios used are CAR, ROA, ROE, NIM, BOPO, and LDR. This is a quantitative research with a comparative research design. The data used are secondary data from the quarterly financial reports of PT Bank Central Asia Tbk for a period of 5 years (2018-2022). The data analysis method used is the paired sample t-test and wilcoxon test with the help of SPSS software. The results of the paired sample t-test show that the CAR and LDR variables show significant differences, while the ROA and ROE variables do not show significant differences between the period before and after the acquisition. The wilcoxon test for NIM and BOPO variables shows that the NIM variable shows significant differences, while the BOPO variable does not show significant differences between the period before and after the acquisition.

Pengaruh NPF dan BOPO Terhadap Profitabilitas pada Bank BJB Syariah Periode 2014-2021

This research was motivated by the acquisition of an unstable level of profitability of Bank bjb Syariah, which even experienced losses with a minus profitability. This study aims to analyze whether Non Performing Financing (NPF) and Operating Costs to Operating Income (BOPO) simultaneously affect the Profitability (ROA) of Bank bjb Syariah (2014-2021),was well was to analyze whether Non Performing Financing (NPF) and Operating Costs to Operating Income (BOPO) partially affect the profitability (ROA) of Bank bjb Syariah (2014-2021), and to analyze which factor has the most effect on profitability (ROA). This study uses a quantitative method with the sample in this study, namely the financial statements of bank bjb syariah (2014-2021), sampling using the Purposive Sampling method. The research instrument uses secondary data processed from bank bjb syariah. The results of the research that have been conducted show that the simultaneous test shows that independent variable NPF and BOPO which has a significant effect on the ROA of Bank bjb Syariah (2014-2021 period). The partial test results on the NPF variable have a significant effect on ROA, while the BOPO variable has no significant effect on ROA.

PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP KINERJA KEUANGAN BANK MANDIRI

This research aims to determine the influence of internal (CAR, BOPO and NPL) and external factors (Inflation, Interest Rates and Economic Growth) on Bank Mandiri financial performance. In this research, financial performance is measured by ROA. The method used in this research is the multiple linear regression method. The data used is secondary data in the form of a time series with a time period from 2012 Q1 – 2021 Q4. The results of this research show that the BOPO and Interest Rate variables have a significant effect on Bank Mandiri financial performance. Meanwhile, the CAR, NPL, Inflation and Economic Growth variables do not have a significant effect on Bank Mandiri financial performance.

DAMPAK PERTUMBUHAN EKONOMI SEKTOR PERTANIAN TERHADAP PROFITABILITAS BANK PERKREDITAN RAKYAT DI WILAYAH SULAWESI

Indonesia, which is known as an agricultural country, needs special attention in the agricultural sector. This is due to the warning of the threat of a global Food Crisis by FAO. In addition, there are capital problems for some actors in the agricultural sector. With one of the financial institutions that has an important role in advancing SMEs is BPR. Therefore, the purpose of this study is to examine the impact of economic growth in the agricultural sector on the profitability of rural banks in the Sulawesi Region. The research used quantitative methods conducted at rural banks in Sulawesi that have been registered with OJK. This study used as many as 14 BPR as samples. Data collection using the purposive sampling method has been registered with OJK and has complete financial statements from 2013-2022. This research uses Panel Data analysis techniques processed through STATA 14. The result of this study is that the GDP of the Agricultural Sector, DPK and CAR does not have a significant and positive effect on the ROA of BPR. NPL has a significant and negative effect on ROA. BOPO has a significant and positive effect on ROA. LDR has no effect and negative effect on ROA Then based on simultaneous tests of PDRB, DPK, CAR, NPL, BOPO and LDR variables have a significant effect on ROA.

The Effect of Bank Health Level and GCG Self Assessment on Banking Performance

Bank Bukopin's liquidity difficulties in 2020 were triggered by internal problems which resulted in disruptions to payment traffic, money withdrawals and financing distribution, this had an impact on decreasing public trust and causing harm to the banking world. The research aims to prove the effect of banking soundness level and GCG Self-Assessment on the financial performance of Indonesian banks. The research design is quantitative associatif and the unit of analysis is the company's annual report. Samples were taken from a population of banking entities listed on the IDX for the 2017-2021 period through a purposive-sampling technique and data analysis using panel data regression with the E-Views 10 program. The research results prove that simultaneously financial performance (ROA) is influenced by CAR, BOPO, NPL, LDR and SA-GCG. Partially the CAR, BOPO, and NPL variables affect financial performance (ROA). while LDR and SA-GCG do not affect financial performance (ROA). The research findings indicate that the LDR owned by banks is still in a safe condition and the Self-Assessment-GCG made by the bank does not provide a guarantee that it will increase banking performance.

Kecukupan Modal dan Profitabilitas Pengaruhnya Terhadap Nilai Perusahaan

This study aims to determine how the influence of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return On Assets (ROA), Operating Expenses to Operating Income (BOPO), Financing Deposits To Ratio (FDR) ) on company value with case studies of Islamic banks listed on the IDX for the 2018-2020 period. This type of research is quantitative with an explanatory research approach. The dependent variable (Y) in this study is firm value and the independent variable (X) includes Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return On Assets (ROA), Operating Expenses to Operating Income (BOPO), and Financing Deposit To Ratio (FDR). The type of data used in this study is secondary data derived from quarterly financial reports published by each Islamic bank listed on the IDX for the 2018-2020 period. The amount of data is 42 data obtained from 3 Islamic banks in a 3-year period. This study uses the data analysis method of multiple linear regression tests with the help of IBM Statistics SPSS 26.The research results show that the variables CAR, NPF, ROA BOPO, and FDR simultaneously have a significant effect on firm value (PBV). Partially, the CAR and FDR variables have a significant negative effect on firm value (PBV). While the NPF, ROA, and BOPO variables have no significant effect on firm value (PBV).

Likuiditas Memediasi Pengaruh Ukuran Perusahaan Dan Risiko Bisnis Terhadap Profitabilitas Perusahaan Perbankan Yang Terdaftar Di BEI

This research was conducted to determine the role of liquidity in mediating the influence of company size and business risk on the profitability of banking companies listed on the Indonesia Stock Exchange (BEI). The population in this study was 57 companies in the banking sub-sector listed on the Indonesian Stock Exchange. Based on the predetermined criteria, 32 banking companies were obtained, so that the research sample studied amounted to 96 sample data. In this research, the data analysis technique used is the path analysis technique with the help of the Smart-PLS 4 application. The research results show that partially the variable Size, NPL, and LDR do not have a significant effect on ROA, while the BOPO variable has a significant effect on ROA. Size does not have a significant effect on ROA through LDR as a mediating variable. NPL does not have a significant effect on ROA through LDR as a mediating variable. BOPO does not have a significant effect on ROA through LDR as a mediating varia.

Pengaruh NPL, LDR Dan BOPO Terhadap ROA Pada Bank Perkreditan Rakyat Di Kota Batam

This study aims to examine the effect of NPL, LDR and BOPO variables on ROA at Rural Banks in Batam city registered with the OJK. The data used is secondary data, namely financial reports that have been published on the OJK official website. The purposive sampling technique is a technique used to determine the sample in this study. The population used in this study were 28 BPRs in Batam City with a total population of 140 and a sample of 110 obtained from 22 Rural Bank companies in Batam City registered with the Financial Services Authority for the period 2017 to 2021 in accordance with predetermined criteria that have been determined. This study uses classical assumption test analysis, multiple linear regression, t test, F test and coefficient of determination and SPSS version 25 software as a medium for hypothesis testing. Based on the results of the study, it shows that non-performing loans have a negative and significant effect on ROA, partially LDR has no significant effect on ROA and BOPO partially has a negative and significant effect on ROA. Based on the F test, it shows that NPL, LDR and BOPO simultaneously affect ROA.

Analisis Pengaruh Rasio Keuangan Terhadap Profitabilitas Pada Bank Devisa Yang Terdaftar Di BEI Periode 2017-2022

The purpose of this study is to determine the effect of Net Interest Margin (NIM), Operating Costs on Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Non Performing Loan (NPL) on Profitability as proxied by Return on Assets (ROA). This research uses data sourced from foreign exchange bank companies listed on the Indonesia Stock Exchange (IDX) starting from 2017-2022 and financial ratio reports obtained from the Financial Services Authority (OJK). The total number of foreign exchange bank companies listed on the IDX is 32 companies and those that enter the test criteria are 12 companies. The total panel data of 288 comes from 6 years of quarterly data for 12 Foreign Exchange Banks. The results of panel data regression analysis with the help of E-Views software show that the best estimation choice is Fixed Effect Model (FEM). Based on FEM output, it was found that the NIM variable had a positive and significant effect on Profitability (ROA). BOPO variables have a negative and significant effect on Profitability (ROA). And NPL has a negative and significant effect on Profitability (ROA). The LDR variable has no effect on Profitability (ROA). The coefficient of determination of this FEM model is 95%.
 Keywords: NIM, BOPO, LDR, NPL, Profitability, FEM

Capital, Efficiency, Management Risk on Islamic Bank Stability During Covid-19 PandemiC

The performance of the banking sector in one period is one of the indicators in encouraging financial stability in a country. Banking stability is reflected by healthy conditions and a well-run intermediation function. The purpose of this study is to see the impact of the Covid-19 pandemic shock in the short and long term which affects capital, efficiency, and management risk on the stability of Islamic banking in Indonesia. Analysis of this study using quantitative methods based on the Vector Error Correction Model (VECM). Empirically, the results of this study show that the CAR, BOPO, and FDR variables are significantly positively correlated to the stability of Islamic banks in the long term. Meanwhile, the NOM and NPF variables in length are negatively correlated with the stability of Islamic banks during the Covid-19 pandemic. In the short term the significant influential variables are NOM and FDR while the other variables have no effect. This shows that the Covid-19 pandemic shows an impact on bank stability in the future. This research proves that during the Covid-19 Pandemic, Islamic banks have succeeded in taking several policies in the form of financing restructuring which have proven effective in maintaining islamic banking stability.