Penelitian dibuat untuk melihat pengaruh inflasi dan Non-performing Loan (NPL) terhadap profitabilitas BPR Indonesia secara nasional dengan pemilihan Return On Equity (ROE) sebagai indikator profitabilitas. Data diambil melalui website resmi BPS, dan dari statistik perbankan Indonesia pada website resmi OJK tahun 2019 - 2021. Metode yang digunakan pada penelitian ini adalah metode analisis statistik deskriptif kuantitatif dengan ordinary least square (OLS), dan pada data terlebih dahulu dilakukan uji asumsi klasik untuk memastikan bahwa data layak dan valid untuk dianalisa. Dari hasil analisa uji-t didapatkan nilai signifikansi inflasi secara parsial dengan nilai sig.t 0.227 > 0.05 dan NPL secara parsial dengan nilai sig.t 0.932 > 0.05. Hasil tersebut menunjukkan bahwa kedua variabel secara parsial tidak berpengaruh secara signifikan terhadap ROE.
Bank health must be maintained and/or improved so that public trust in banks is always maintained. The size of the bank's assessment has been determined by Bank Indonesia, so that the bank is required to make regular or periodical reports on all of its activities. This research is a descriptive study with quantitative data types that aim to determine the level of soundness of the Bank using the RGEC approach (Risk Profile, Good Corporate Governance, Earnings, Capital). The indicators used to measure the soundness of banks in this study are: NPL, LDR, GCG, ROA, ROE, BOPO and NIM. This indicator refers to Bank Indonesia Circular No. 6/23/DPNP of 2004 and Bank Indonesia Circular No. 15/15/DPNP of 2013. The results showed that several indicator ratio values that had been accumulated became composite rating values (PK), there was an increase in composite values from 62.9% PK(3) in 2019, to 80% (PK 2 ) in 2020 and 82.85% (PK 2) in 2021. So that Bank BTN in 2019 in the "Healthy Enough" category will become a bank in the "healthy" category in 2020 and 2021.
Incentives are needed to improve the motivation and performance of employees to always work optimally, so that the vision and mission of the organization / company can be achieved. This research aims to explain: 1) The Effect of Incentives on Employee Work Motivation; 2) Influence of Employee Performance Incentives; 3) The Effect of Work Motivation on Employee Performance, 4) The Significance of Work Motivation as an intervening between incentives and employee performance. This Explanatory Research conducted with a quantitative approach, using Regression-path analysis and Sobel analysis. The data used are primary data, obtained through online questionnaires (google form) as many as 30 samples which is the total population of outsourced employees of PT. Ganda Mady Indotama in the Pondok Labu AL-Izhar school area numbered 30 people. Variabels studied include Incentives, Work Motivation and Employee Performance. The results of the path analysis showed that the Incentive variabel (X) had a significant effect on Work Motivation (Y1) with a beta value of 0.677, the Incentive variabel (X) significantly affected Employee Performance (Y2) with a beta value of 0.279, the Work Motivation variabel (Y1) significantly affected Employee Performance (Y2) with a beta value of 0,650. Work motivation is proven to be variabel intervening in the relationship between the influence of incentive variabels on employee performance. The total effect of Incentives on Employee Performance through Work Motivation increased to 0.719. But its influence as an intervening is not significant because the p-value of the Sobel test of 0.071 is greater than 0.05. Keyword: path analysis, incentives, work motivation, employee performance, intervening variabels
Efficiency is one measure of bank performance. The efficiency of a bank is influenced by the way management manages risk. Financial services authority regulation number 18 /pojk.03/2016 issued by Bank Indonesia which requires every bank in Indonesia to form a risk management team. Risk management problems in the banking world are related to the losses they experience, and Regional Development Banks are expected to be able to detect maximum losses that may arise in the future. This team is obliged to control various aspects of risk management in each bank and observe the impact of risk management implementation. This study aims to determine the efficiency level of conventional banking at PT Bank Pembangunan Daerah Jawa Tengah and the effect of financing risk, operational risk and liquidity risk on the efficiency level. Efficiency is measured by the method of Operating Expenses from Operating Income. The data used as the object of this research is Bank DKI Jakarta for the 2015-2020 period. The level of influence of the variables X1, X2, X3 on Y on the determinant coefficient (R2) shows the Adjusted R Square number of 0.359 or 35.9% which means that the variation in efficiency level can be explained by financing risk, operational risk and liquidity risk, the remaining 64.1% can be explained from other variables outside, for previous related studies there is no similarity in the influence of independent (x) and dependent (Y) values, because of differences in values ??generated from SPSS processing data. Based on the results of statistical tests and discussion analysis, it is known that financing risk, operational risk, liquidity risk simultaneously have no effect on the level of efficiency and only financing risk has a significant positive effect on the level of efficiency at PT Bank DKI Jakarta.
This paper analyzes how significant the internal company factors affecting the profit of the sharia banking industry. There are so many variables that can affecting profit, and profit is an important part of shariah banking for its business sustainability, so in this research, profit was selected as the dependent variable, its data was taken from monthly reports of sharia banking profit/Loss, the independent variables that were selected are the cost of education and training, the number of sharia banking offices, and the amount of the sharia banking labor. This research using 25 data starting from January 2018 to January 2020 with the results of the regression analysis indicates the difference of significance, the cost of training and education significantly affecting the profit of sharia banking, while the results of regression for the number of the office and the amount of labor indicates that both variables were not significantly affecting the profit of sharia banking.
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