PurposeThis study aims to examine the effect of financial innovation, financial ratios, cost efficiency and good corporate governance on the financial performance of banks in Indonesia.Design/methodology/approachThe data in this study are in the form of annual financial statements of conventional banks in Indonesia. The effect of cost efficiency, innovation and financial performance of banks in Indonesia is expected to be evident in 2009–2018. The research method used is the panel regression method.FindingsThe results show that financial innovation affects the financial performance of banks. Cost efficiency has a negative effect on the financial performance of banks. Financial ratio, which is proxied by the capital adequacy ratio (CAR) and loan to deposit ratio, has a positive effect on return on asset and net interest margin. Financial ratio, which is proxied by nonperforming loan and equity to total assets, has a negative effect on return on asset and return on equity. Good corporate governance (GCG), which is proxied by the proportion of managerial ownership (PMO), does not affect the financial performance of banks, whereas GCG, which is proxied by the proportion of independent board of directors, has a negative and significant effect on the financial performance of banks in Indonesia.Practical implicationsThese results are a warning to bankers and the government to be cautious when formulating a strategy for the financial performance of banking.Originality/valueCost efficiency and financial innovation are important for the financial performance of banking. However, the possible impact of cost efficiency and financial innovation in Indonesia does not have a significant impact. The study uses static panel estimation techniques to analyze the data.

Inefficiency is one of the factors that can decrease the bank's health. Efficiency was very important for banking. Efficient banking will increase total assets and profitability. This study examined the cost efficiency of sharia banks and their effects on total assets and profitability. This study aimed to analyze the effect of cost efficiency and other financial ratios on total assets and profitability. By using a stochastic frontier approach, it was found that the average cost efficiency level in sharia bank was 85.18 percent. Furthermore, by using a panel regression method in 12 sharia banks, it was found that cost efficiency had a negative effect on total assets but did not affect the profitability of sharia banks. In addition to cost efficiency, CAR also had negative effects on total assets. FDR and NPF had a negative effect on profitability which proxied by ROA while profitability proxied by ROE negatively affected by NPF. Sharia banking should pay attention to the level of cost efficiency, capital adequacy, and financing quality in order to increase total assets and profitability.

This study aims to examine the relationship between the level of cost efficiency and financial innovation in conventional banks in Indonesia. The data used is panel data from conventional banks during the period 2009-2017. The research method used is the multinomial logit regression method. The dependent variable used is financial innovation consisting of a dummy application of ATMs, internet banking, and mobile banking. The explanatory variables used include cost efficiency, bank size, number of branches, bank age, and ownership. The research results show that cost efficiency, bank size, number of branches, and bank age have a significant effect on financial innovation. An efficient bank, a large bank size, a small number of branches, and a young bank age have an influence on financial innovation in conventional banks by providing ATMs, internet, and mobile banking. Bank ownership has no significant effect on financial innovation in conventional banks.

<pre> </pre><p><strong>Abstract</strong>. One of the problems in Islamic microfinance institutions is the availability of human resources who understand and are qualified in Islamic banking operations. The development of professionalism of lecturers in the field of teaching regarding Islamic bank operation laboratories has been related to the problem of lack<br />of understanding of human resources in BMT. The purpose of this activity is to provide training on Islamic banking operations. This training was attended by 5 employees of KSPPS BMT Peniti Kahuripan Muliya. The training participants came from three BMT branch offices, namely the Surabaya branch, the Boyolali<br />branch, and the Bandung branch. The methods used are 1) providing theoretical and practical knowledge about Islamic banking operations 2) assistance in the roleplay of Islamic banking operations. The results of this activity are: First, all participants of this training activity are very enthusiastic and highly motivated to participate in the implementation of Islamic banking operational training activities. Second, the participants who attended the training as a whole were 60% of all training participants.<br /><br /></p><p><strong><br /></strong></p><p><strong>Abstrak</strong>. Salah satu masalah dalam lembaga keuangan mikro syariah adalah ketersediaan SDM yang memahami dan mumpuni dalam operasional perbankan syariah. Pengembangan profesionalisme dosen pada bidang pengajaran tentang laboratorium operasi bank syariah selama ini terkait dengan persoalan kurangnya pemahaman SDM di BMT. Tujuan kegiatan ini adalah untuk memberikan pelatihan tentang operasional perbankan syariah. Pelatihan ini diikuti oleh para karyawan KSPPS BMT Peniti kahuripan Muliya sebanyak 5 orang. Peserta pelatihan berasal dari tiga kantor cabang BMT yaitu cabang Surabaya, cabang Boyolali, dan Cabang Bandung. Metode yang digunakan adalah 1) pemberian pengetahuan teoretis dan praktis tentang operasional perbankan syariah 2) pendampingan dalam <em>roleplay</em> operasional perbankan syariah. Hasil kegiatan ini adalah : Pertama, semua peserta kegiatan pelatihan ini sangat antusias, bersemangat, dan mempunyai motivasi yang tinggi mengikuti pelaksanaan kegiatan pelatihan operasional perbankan syariah. Kedua, peserta kegiatan yang mengikuti pelatihan secara keseluruhan adalah 60% dari semua peserta pelatihan.</p><p> </p><p><strong><em><br /></em></strong></p><div id="gtx-trans" style="position: absolute; left: -73px; top: 416px;"> </div>

The purpose of this study is to analyze the effect of financial ratios in predicting financial distress in manufacturing companies. The sampling technique used in this study is purposive sampling. The research sample is 87 manufacturing companies listed on the Indonesia Stock Exchange (BEI) for the 2016-2020 period. The data analysis technique is logistic regression. The results show that profitability and activity ratio have a negative and significant effect on predicting financial distress. In addition, the liquidity and leverage ratio have no significant effect on predicting Financial Distress. The implication of this study is manufacturing companies have to increase profitability and activity in order to avoid financial distress.