Operating Income Research Articles

Pemetaan Penelitian Rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) pada Perbankan Syariah dan Konvensional: Studi Bibliometrik VOSviewer dan Literature Review

This study aims to determine the research mapping regarding the Operating Income to Operating Costs (OIOC) ratio in Islamic and Conventional Banking using a mix-method approach, namely the VOSviewer bibliometric study and literature review. Data analysis techniques include: (1) mapping the distribution of journal publications around the OIOC ratio; (2) mapping the results of the VOSviewer bibliometric visualization around the OIOC ratio based on the number of clusters and their items; and (3) mapping research topics around the OIOC ratio using a literature review study. The results showed that: (1) based on the distribution of journal publications, there were 736 journal publications regarding the OIOC ratio; (2) based on the mapping of the VOSviewer bibliometric study, the network visualization results around the OIOC ratio are divided into 4 clusters and 163 topic items; (3) based on the mapping of literature review studies, there are 49 topics around the influence of the OIOC ratio and 14 topics about the determinants of the OIOC ratio. The implications and contributions of this research are to map research topics around OIOC ratios in Islamic and Conventional Banking which are often or rarely researched by researchers so that they can be a reference for subsequent researchers.
 Keywords: Operating Income to Operating Costs (OIOC); Bibliometrics; VOSviewer; Literature Review; Islamic and Conventional Banking

ROLE OF WADIAH DEMAND DEPOSITS AND OPERATING INCOME ON THE NET INCOME PERFORMANCE OF SHARIA CENTRAL ASIA BANK (BCA)

This study looks at how operational revenue and wadiah demand deposits affect Bank Central Asia's (BCA) Syariah's net profit between 2016 and 2021. A total of 72 data points from monthly financial data reports from this time period make up the sample. The analysis uses the data analysis method known as Structural Equation Modeling-Partial Least Squares (SEM-PLS). Examining the connections between wadiah demand deposits, operating income, and net profit at BCA Syariah was the goal of this study. Customers who use wadiah demand deposits entrust their money to the bank for safekeeping as a particular kind of Islamic banking deposit. On the other side, operating income indicates the revenue from BCA Syariah's primary operational activities. The study offers important insights into the relationship between these variables by using SEM-PLS analysis. The findings show that wadiah demand deposits do not considerably affect net profit, proving that changes in these deposits do not significantly affect the profitability of the bank as a whole. But the study shows a statistically significant link between operational income and net profit. This result implies that variations in BCA Syariah's operating income have a direct impact on the company's net profit.

Pengaruh Risiko Bank adn Fundamental Makroekonomi terhadap Nilai Perusahaan dengan Variabel Moderasi Profitabilitas pada Perusahaan Perbankan di Indonesia

This study aims to determine the effect of bank risk by using indicators of Non Peforming Loan (NPL), “Operating Expenses Operating Income (BOPO), and Loan to Deposit Ratio (LDR) as well as the effect of macroeconomic fundamentals by using indicators Exchange Rates (XCH), Interest Rate (IR), dan Gross Domestic Bruto (GDP) on firm value with indicator Price Earning Ratio (PER) with variable moderating profitability by using indicator Net Interest Margin (NIM). The number of samples used in study are 27 banking companies listed on Indonesia Stock Exchange in 2012-2021. The type of data is secondary data in the form of financial reports and analyzed by multiple linear analysis. The result show that in bank risk variables, BOPO and LDR had a negative and significant effect, while NPL had no effect on firm value. In Macroeconomic fundamentals variables, IR and GDP had negative and significant effect while XCH had positive and significant effect on firm value. NPL, LDR, IR, and GDP are moderated by NIM had no effect while BOPO and XCH had negative and significant effect on firm value.

JOINT VENTURE AND STRATEGIC ALLIANCE

This study aims to analyze the effect of Capital Adequacy Ratio, Non Performing Financing, Financing To Deposit Ratio and Operating Expenses and Operating Income on profitability at PT. Sharia Aceh Bank. Where in this study profitability is seen from the return on assets (ROA). This study uses a quantitative method using the Autoregressive Distributed Lag (ARDL) approach. This study uses time series data or time series data where this research was conducted during the period 2012 to 2021. The results of this study indicate that the Capital Adequacy Ratio partially has no effect, Non Performing Financing partially has a positive and significant effect, Financing To Deposit Ratio partially has an effect negative and significant,

THE INFLUENCE OF CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO, OPERATIONAL COSTS OF OPERATIONAL REVENUE AND CREDIT DISTRIBUTION ON RETURN ON ASSET WITH NET INTEREST MARGIN AS AN INTERVENING VARIABLE IN CONVENTIONAL RURAL BANKS

This study aims to determine the effect of Capital Adequacy Ratio, Non-Performing Loans, Loan to Deposit Ratio, Operational Costs, Operating Income and Credit Disbursement on Return on Assets with Net Interest Margin as an Intervening Variable at Conventional Rural Banks in Medan City for the 2017-2021 period. In this study using secondary data collection in the form of financial reports that have been collected and published relating to the object of research. The data analysis method used to solve the problems in this research is descriptive statistical method, classic assumption test, panel data regression analysis method and expanded with sobel test analysis to test mediating (intervening) variables. The results showed that the Capital Adequacy Ratio had a positive and significant effect on Net Interest Margin at Conventional Rural Banks in Medan City, Non-Performing Loans had no significant effect on Net Interest Margin at Conventional Rural Banks in Medan City, Loan to Deposit Ratio had a positive effect and significant to Net Interest Margin at Conventional Rural Banks in Medan City, Operating Costs Operating Income has a negative and significant effect on Net Interest Margin at Conventional Rural Banks in Medan City. Credit Distribution has a positive and significant effect on Net Interest Margin at Conventional Rural Banks in Medan City.

Factors Affecting The Measurement of Intermediation Margin in Islamic Banks in Indonesia

Main Purpose - The purpose of this study is to empirically assess the main factors that affect the bank margin of Islamic operations in Indonesia.Method - Hypothesis testing and data analysis used the Structural Equation Model - Partial Least Square (SEM-PLS. The research sample was conducted on 10 Islamic banks that have a dual banking system in Indonesia.Main Findings - The results of the study proved that the Capital Adequacy Ratio (CAR) had a positive and significant effect on the Net Intermediation Margin (NIM) and the size of the bank had a positive and significant effect on the Net Intermediation Margin (NIM). Meanwhile, Non-Performing Financing (NPF) and Operating Expenses of Operating Income (BOPO) had no effect on the net intermediation margin (NIM) in Islamic Banks.Theory and Practical Implications - The significant impact of the CAR and the size of the bank showed that there was an analysis of capital policy and product diversification on the bank. The high level of margin in Islamic banks can be an obstacle for Islamic banks to pursue the development process, therefore, there is a need for improvement in terms of liability, asset side, and operational side of the Bank in order to reduce NIM in Sharia Banks. Novelty - This research used BI rate and inflation as control variables in contrast to other studies that included BI Rate and inflation as independent variables.

The Influence Of NPF, Bopo, Current Ratio and Gearing Ratio On Financing Company Performance (Comparation Study Of Financing Companies In Indonesia Before and During The Covid-19 Period)

This research aims to compare the effect of Non Performing Financing (NPF), Operating Expense to Operating Income (BOPO), Current Ratio, and Gearing Ratio of financing companies in Indonesia on profitability performance as represented by the variable Return on Assets (ROA) in pre-COVID-19 and during COVID-19 times. This type of research is quantitative research using time series data with the period before the spread of COVID-19 was for the period September 2018 to February 2020 and the period during the spread of COVID-19 was March 2020 to August 2021. The data source used is based on monthly reports submitted by financing company in Indonesia to the Financial Services Authority.
 The analysis used in this research is multiple linear regression and the Chow test. The classical assumption test on the data used has been carried out including the normality test, multicollinearity test, autocorrelation test, and heteroscedasticity test before carrying out the multiple linear regression test.
 The research results obtained were that before the COVID-19 pandemic NPF had no effect on ROA, BOPO had a negative and significant effect on ROA, Current Ratio had no effect on ROA, and Gearing Ratio had no effect on ROA. While during the COVID-19 pandemic it was known that NPF had no effect on ROA, BOPO had no effect on ROA, Current Ratio had no effect on ROA, and Gearing Ratio had a positive and significant effect on ROA. The results of the Chow test showed that there were differences in the effect of NPF, BOPO, Current Ratio, and Gearing Ratio on the ROA of financing companies in Indonesia before COVID-19 and during the COVID-19 period.

Research on subsidy standards for public welfare forests based on a dynamic game model—Analysis of a case in Jiangxi, China

To understand the behavior of the main participants in public welfare forest projects, this article constructs a “forest farmers–local government–central government” dynamic game model by setting the game scope and game principles. The game payment matrix and game equilibrium solutions show that (1) expanding the value of ecological products in the forest to improve operating income will increase the participation of forest farmers; (2) the local government's enthusiasm for leading public welfare forest projects is mainly influenced by the positive effects of planting and management costs, which provides the theoretical basis for central government to intervene in regional ecological governance; (3) when the central government leads public welfare forest projects, the enthusiasm of the local government for afforestation is positively influenced by the central government's subsidies. Finally, based on the game equilibrium solution, the expected results of forest farmers' operational income are calculated using the case of Jiangxi, which confirms the importance of increasing forest farmers' operational income.

The Influence of Productive Asset Quality, Loan to Deposit Ratio, Non Performing Loan, and Operating Expenses to Operating Income on Profit with Capital Adequacy Ratio as Moderating Variable in Indonesian Banking

Banking has an important role in the economy and has a function as an agent of trust, agent of development, and agent of services. In creating a healthy banking system, Bank Indonesia issued a program to strengthen national banking to strengthen capital in order to improve the ability of banks to manage business and risk. The purpose of this study was to analyze the effect of earning asset quality, loan to deposit ratio, non-performing loans, and operating expenses on operating profit with the capital adequacy ratio as a moderating variable in Indonesian banking. The sample selection was carried out by purposive sampling method, namely the 10 largest banks in Indonesia. The model estimation analysis method is done by panel data regression analysis. The results showed that the CAR variable as an intervention variable succeeded in increasing the effect of earning asset quality, loan to deposit ratio, non-performing loans, and expenses to operating income on return on assets

Analysis of the Influence of Temporary Syirkah, FDR, and BOPO Funds on Financing Risk and Their Implications on SRB Profitability in Indonesia (2016-2020)

This study aims to analyze the effect of Temporary Syirkah Funds (DST), Financing to Deposit Ratio (FDR), and Operational Income Operating Costs (BOPO) on Financing Risk which are calculated directly, and to analyze the effect of DST, FDR, BOPO and Financing Risk on ROA Sharia People's Financing Banks in Indonesia directly and indirectly. The dependent variable in this study is ROA which is a proxy for profitability and financing risk (RP). While the independent variables are DST, FDR, and BOPO. The analytical method used is Path Analysis or path analysis with the help of SPSS version 22. The data used in this research is monthly time series data from January 2016 – 2020. The object of research is Islamic People's Financing Banks in Indonesia. Based on the calculation, the direct effect of DST on ROA is 14.36%. And the direct effect of DST on Financing Risk is 54%.

Rasio Keuangan Terhadap Profitabilitas dengan Nom dan Gwm Sebagai Pemoderasi Rasio Keuangan Perbankan

The Profitability Ratio is the primary ratio in measuring the achievement of banking performance. Several other ratios, such as CAR, FDR, BOPO, and NPF, influence the profitability ratio. This study examines and analyzes the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), and Non-Performing Financing (NPF) on the profitability of PT. Bank NTB Syariah with NOM (Net Operating Margin) and Reserve Requirement (Minimum Statutory Reserve) as moderating. This quantitative research wants to reveal the effect of financial ratios on profitability. The data is from the PT Bank NTB Syariah publication report from 2019 to 2021. The data analysis technique in this study used Partial Least Square (PLS). The results showed that CAR, BOPO, and NPF did not have a significant and negative effect on ROA, shown by P-Value Values of 0.212, 0.505, and 0.360, respectively. In contrast, FDR had a significant and positive effect on ROA, indicated by P-Value Values of 0.000. For moderator variables, GWM and NOM have no significant effect in moderating FDR and BOPO variables, indicated by P-Value Values of 0.988 and 0.589, respectively.

Cooperative membership and new technology adoption of family farms: Evidence from China

AbstractVarious policies have been implemented to encourage the development of family farms and cooperatives in the past decade in China. New technology adoption is a crucial part in promoting the performance of family farms. However, empirical evidence on whether and how cooperatives would facilitate family farms to adopt new technologies remains unclear. To address the gap, this paper examines the impact of family farms’ cooperative membership on new technology adoption (i.e., new varieties, new machinery, new fertilizers, new pesticides, new pest control techniques, new production methods and new management methods). Using novel survey data from 848 family farms in China, and employing both propensity score matching approach and endogenous switching probit model, we find that for family farms, cooperative membership has positive and significant impacts on new technology adoption. When looking into different types of technology, we find that the impacts are larger on the adoption of new methods than new techniques. Moreover, the impacts are larger for family farms with lower operation income and smaller size. The findings provide important insights for policymakers tasked with promoting agricultural technology adoption.

Financial And Macroeconomic Performance Effect On Net Interest Margins At Conventional Commercial Banks In Indonesia

Banking is an intermediary institution that serves as the driving force of development in Indonesia. Sustainability this institutions depends on the profit derived from Net Interest Margin. However, in its development, bank is influenced by internal performance and macroeconomic conditions. Aims of this study is to determine influence of financial and macroeconomic performance on Net Interest Margin in conventional banking in Indonesia. Net Interest Margin used as dependent variable and Operating Expenses and Operating Income, Loan to Deposit Ratio, interest rates, exchange rates as independent variable. Used regression method, and monthly time series data form financial services authority in 2017-2020. Loan to Deposit Ratio and interest rate have a positive and significant effect on Net Interest Margin while the exchange rate has a negative and significant effect to Net Interest Margin. However, Operating Expenses and Operating Income have not been shown to affect Net Interest Margin. If Banking performance improves, stable macroeconomic conditions, and regulations that support the banking sector, the Net Interest Margin conditions can be conducive

Pengaruh BOPO, ROA, dan LDR Terhadap Agresivitas Pajak pada Perusahaan Sub Sektor Perbankan yang terdaftar di BEI Sebelum dan Saat Covid-19

This study aimed to examine the effect of Operating Expenses on Operating Income (BOPO), Return On Assets (ROA), and Loan To Deposit Ratio (LDR) on tax aggressiveness in banking sub-sector companies listed on the IDX before and during Covid-19. The sample selection using the purposive sampling method was obtained as many as 25 with the 2018-2021 observation period (before and during Covid-19). The analysis technique used in this research is multiple linear regression analysis. The analysis uses SPSS version 22. The results of this study indicate that BOPO has an effect on tax aggressiveness, and ROA and LDR have no effect on tax aggressiveness.

Pengaruh Likuiditas, Kualitas Aset, Sensitifitas dan Efisiensi Terhadap Profitabilitas Pada Bank Pembangunan Daerah Devisa

The purpose of this study was to analyze Loan to Deposit Ratio (LDR), Investing Policy Ratio (IPR), Non Performing Loans (NPL), Non Performing Earning Assets (APB), Interest Rate Ratio (IRR), Net Open Position (NOP), Operating Costs to Operating Income (BOPO) and Fee Based Income Ratio (FBIR) to Return On Assets (ROA) at Foreign Exchange Regional Development Banks registered with OJK. PT BPD Riau Kepri, PT BPD South Sumatra and Bangka Belitung, PT BPD East Kalimantan and North Kalimantan and PT BPD South Sulawesi and West Sulawesi; are the samples of this study using purposive sampling method. This study uses secondary data from financial reports for the period quarter I, 2018 to quarter II, 2022. The data analysis technique is descriptive analysis and uses multiple linear regression analysis. The results of this study reveal that simultaneously LDR, IPR, NPL, APB, IRR, PDN, BOPO and FBIR have a significant effect on ROA. Partially, LDR, IPR, APB, IRR BOPO and FBIR have an insignificant effect on ROA, while NPL has a significant negative effect on ROA.

Analisis Faktor-Faktor Keuangan Yang Mempengaruhi Market Share Perbankan Syariah Di Indonesia

This research aims to analyze the Effect of Operational Fee (BOPO), Return On Assets (ROA) and Financing to Deposit Ratio (FDR) against Market Share Syariah Bank in Indonesia. This type of research is quantitative. Total population of 11 Sharia General Banks. The technique of sampling used is a total sampling, where the number of samples is equal to the population, namely 11 General Bank Syariah, the number of samples is 33 samples obtained from 11 Common Bank Syariah during the period of 3 years, 2018 until 2020. The analysis technique used in this research is a double linear regression analysis using program assistance of SPSS versions 23. The pharmacy in the test by using the t test. The results of this study indicate that the variable Operating Cost of Operational Income (BOPO) and Return On Assets (ROA) has a significant effect on market share, while Financing to Deposit Ratio (FDR) does not significantly affect the dependent variables namely Market Share

THE INFLUENCE OF RLAH ON THE BUSINESS OF TELECOM OPERATORS ON THE MARKET OF BOSNIA AND HERZEGOVINA

In the era of general globalization and transition, the accession of Bosnia and Herzegovina to the European Union is considered as a strategic priority. The integration of Bosnia and Herzegovina (hereinafter BiH) into the European Union (hereinafter EU) is a very significant process that requires fundamental changes in society, and therefore the inclusion and full engagement of all social and especially economic subjects in BiH is necessary.Bosnia and Herzegovina has always belonged to the European political, cultural, and economic area. The process of European integration requires a comprehensive adjustment of policies, institutional framework and legal system with the aim of reaching European standards in all areas. The process of legal harmonization and acceptance of European standards implies extensive internal reforms, general consolidation of the system, stronger economic development and more intensive foreign policy activities in areas that affect the dynamics of relations between BiH and the EU. The prospect of membership in the EU is an extremely strong incentive for the continuation of already started reforms in BiH and the initiator of the process that should enable the creation of an economic, legal, organizational and social structure capable of operating in accordance with EU rules. Ensuring non-discriminatory access to telecommunications services and their high quality at affordable prices form one of the bases of the policy of developing BiH society and protecting the interests of BiH citizens. Global measures for the implementation of such a policy are: liberalization of the telecommunications market, encouragement of the development of the telecommunications sector and ensuring effective control measures with the aim of protecting users’ rights and reducing barriers to the entry of new operators.The subject of the research in this paper is the assessment of the impact of the current EU Roaming Regulation on the telecommunications market of BiH, that is, the business income of telecom operators from mobile telephony services, as well as the user experience related to the use of services in roaming. The basic question that arises is: How do companies operating in the field of telecommunications adapt their prices and business conditions to the EU requirements? What are the experiences of applying these provisions in EU countries? Can some measures be taken in the context of maintaining business and how to communicate with the users who are directly affected by the mentioned changes, in a positive context? The aim of the research is to assess the effect of the implementation of the Decision of the Regulatory Agency for Communications of BiH (hereinafter referred to as the Agency) on the prices of roaming services in public mobile communication networks, which stipulates the obligation to determine the maximum prices for roaming services and the termination of regulated roaming calls in public mobile communication networks.

Factors Influencing Non-Performing Financing (NPF) In Sharia Banking

The risk of financing is the risk caused by the failure of the custom[1]ers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive mea[1]sure and a risks controller of business activities. This research an[1]alyzes the factors influencing NPF at sharia banking (BUS) using a quarterly datafrom first quarter of 2012 until third quarter 2016. Method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and sig[1]nificantly are ratio of revenue sharing financing (RR), Return on ssets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank[1]size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.

The Effect of Loan Performance on Profit Growth WITH Operational Costs and Operating Income (OCOI) as Intervening Variables at Commercial Banks in Indonesia

This study aims to analyze and determine the effect of loan performance on profit growth with operational costs and operating income (OCOI) as intervening variables in commercial banks in Indonesia. The data analysis technique in this study uses Partial Least Square (PLS) using Smart PLS software. This data analysis technique is used to facilitate researchers in data processing and analysis. The results show that the loan performance coefficient positively and significantly affects profit growth. The results of testing loan performance on profit growth show a path coefficient of 0.372 with a t-statistic value of 3.504. The t-statistic value is smaller than the t-table value (1.96). The coefficient of operating costs and operating income shows a negative and significant impact on profit growth. The results of the OCOI test on profit growth show a path coefficient of -0.638 with a t-statistic value of 6.324. The t-statistic value is greater than the t-table value (1.96). The loan performance coefficient through operational costs and operating income is negative and not significant to profit growth. The results of testing the performance of loans through OCOI on profit growth show a path coefficient of -0.174 with a t-statistic value of 1.756. The t-statistic value is smaller than the t-table value (1.96).

Analysis of the Effect of Capital Adequacy Ratio (Car), Non-Performing Loan (Npl), and Operating Cost Operating Income (Bopo), Net Interest Margin (Nim) to Loan to Deposit Ratio (Ldr) of State-Owned Banks in Indonesia

A bank is an institution with a financial intermediation function that has the authority to raise public funds and also distribute money in the form of loans and other financial services. The purpose of this study is to analyze the effect of Capital Adequacy Ratio (CAR) on Loan to Deposit Ratio (LDR) at State-Owned Banks in Indonesia, 2015 – 2019 and to analyze the effect of Non-Performing Loans (NPL) on Loan to Deposit Ratio (LDR) at State-Owned Banks in Indonesia, 2015 – 2019. This study is a quantitative study. This study uses a hypothesis testing design which is a design aimed at testing the influence between variables where in this case the variables tested are factors that affect bank financial performance. Capital Adequacy Ratio (CAR) has a positive but not significant influence on the Loan to Deposit Ratio (LFR) at state-owned banks in Indonesia in the 2015-2019 period. Non-Performing Loans (NPL) have a negative and significant influence on the Loan to Deposit Ratio (LFR) at state-owned banks in Indonesia in the 2015-2019 period. Operating Costs to Operating Income (BOPO) have a positive and significant influence on the Loan to Deposit Ratio (LFR) of state-owned banks in Indonesia in the 2015-2019 period.