Camel Dan Tingkat Kesehatan Perbankan

Haryanto, Melinda; Wijaya, Hanna

doi:10.24912/ja.v18i3.270

Cited by 3 publications

(4 citation statements)

References 2 publications

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“…The maximum BOPO value is 88.84%, and the minimum BOPO value is 77.86%. The smaller the BOPO value, the more efficient the banking system operates, shows that the average monthly BOPO of Conventional Banks in this study has a good level of efficiency in controlling operating costs to operating income (Haryanto & Hanna, 2014)…”

Section: Resultsmentioning

confidence: 67%

“…Banks have an important part in the financial system (Allen & Carletti, 2010) in (Sukarman, 2014) claimed that they have played a vital role in Indonesia since independence till now. (Rosenberg, 1982) in (Haryanto & Hanna, 2014) defines a bank as follows: "Bank is an organization, normally a corporation, chartered by the state or federal government, the principal functions of which are: (a) to receive demand and time deposits, honor instruments drawn against them and pay interest on them as permitted by law, (b) to securities, (c) to collect checks, drafts, notes, etc., (d) to issues drafts and cashier's checks, (e) to certify depositor's checks and (f) when authorized by a chartering government, to act in a fiduciary capacity. An indicator in assessing financial performance is comparing operating costs and operating Income (Agnes Cheng et al, 1993) in (Merve & Karacaer, 2017) Economic and Financial Theory's Fundamental Theory One of the most important indicators of a company's profitability is its Return on Assets.…”

Section: Introductionmentioning

confidence: 99%

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Performance of Conventional Banking, Impact of Indonesia's National Economic Recovery Program Due to the Covid 19 Pandemic

Elliyana

2022

bus. and entrepreneurial rev.

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The goal of this study is to look at how traditional banking has performed over the previous three years, specifically the impact of LDR(X1), CAR(X2), BOPO(X3), and NIM(X4) on ROA(Y), where stimulus measures have been used to keep the economy moving forward after the COVID-19 epidemic. Research methodology: Financial services authorities provide time-series analysis of traditional banking performance reports from 2018 to 2021, processing with Stata 16 and the multiple linear regression techniques. Results: The average ROA is 2.23 percent, with a standard deviation of 0.32 percent, and swings in all independent variables may explain 80 percent of changes in bank profitability. The LDR Loan to Deposits Ratio significantly impacts bank profitability in terms of return on assets. The greater the CAR ratio, the higher the bank's profitability concerning its ROA. Assume that the BOPO grows while all other variables remain constant. In such an instance, a rise of 0.013 NIM will occur, positively impacting bank profitability on ROA. Limitations: The limitation of this research is the post-pandemic banking relaxation data. Contribution: To policymakers, to see the impact of final actions, whether they were correct or not.

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Section: Resultsmentioning

confidence: 67%

Section: Introductionmentioning

confidence: 99%

Performance of Conventional Banking, Impact of Indonesia's National Economic Recovery Program Due to the Covid 19 Pandemic

Elliyana

2022

bus. and entrepreneurial rev.

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“…6/23/DPNP of 2004, a bank can be classified as healthy if it has a BOPO ratio between 94-96%. If the BOPO ratio exceeds that, the bank is said to be inefficient in managing its operational costs [39].…”

Section: Comparison Of Bopo Before and After Implementation Of Fintechmentioning

confidence: 99%

Comparative Analysis of Banking Financial Performance Before and After Implementation of Financial Technology (FinTech)

Fatmawati,

Lestari

2023

Advances in Economics, Business and Management Research

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The aim to be achieved by holding this research is to determine the comparison of financial performance after the implementation of Fintech in BUMN banking for the period 2012-2021. The data used in this research is secondary data. The sampling technique used was the purposive sampling method. The analysis of this study used the normality test and the average comparative test. The variables used to measure financial performance in this study are LDR, NPL, ROA, and BOPO. In the comparative test before and after the implementation of fintech for Bank BRI the variables of NPL, ROA, and BOPO showed the results of sig value < 0.05 so there was a significant difference, but in the variable of LDR the sig value > 0.05 so there was no significant difference. For Bank BNI, the variable of ROA show sig values < 0.05 so there was a significant difference, but the variables of LDR, NPL, and BOPO shows a sig value > 0.05 so there was no significant difference. For Bank Mandiri, all variables show a sig value > 0.05 so there was no significant difference. For Bank BTN, the variables of ROA and BOPO show a sig value < 0.05 so there was a significant difference, while the variables of LDR and NPL show a sig value > 0.05 so there was no significant difference. This study reaffirms the importance of applying Fintech. BUMN banking is expected to maximize the use of fintech services in transaction activities because fintech can improve the image of banking names with ease and sophistication. That way the banking financial performance will run smoothly, to increase profitability.

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“…Kemampuan manajemen dalam upaya pengendalian biaya operasional terhadap pendapatan operasional merupakan implementasi dari Beban Operasional terhadap Pendapatan Operasional atau BOPO (Haryanto & Hanna, 2017). Bedasarkan riset yang dilakukan oleh Kurnia dan Filianti (2021) dan Nanda et al, (2019), BOPO berpengaruh signifikan positif terhadap kinerja bank karena berkurangnya laba sebelum pajak.…”

Section: Beban Operasional Terhadap Pendapatan Operasional (Bopo) Dan...unclassified

Analisis peran modal intelektual dan BOPO sebagai determinan kinerja perbankan

Serly

Yaputri

2022

MBR

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Studi ini bertujuan untuk menganalisis pengaruh efisiensi modal intelektual dan BOPO terhadap kinerja perusahaan perbankan. Penelitian ini mengangkat profitabilitas sebagai variabel terikat serta melibatkan 41 perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI) yang telah merilis laporan tahunan pada periode 2017-2021. Metode yang digunakan yaitu metode analisis deskriptif kuantitatif dengan pemilihan data secara purposive sampling. Hasil penelitian memaparkan bahwa semua komponen dari efisiensi modal intelektual berpengaruh signifikan kecuali capital employed efficiency yang merupakan indikasi efisiensi bank dalam menggunakan modal fisik dan keuangannya dalam mendukung bank untuk bertahan di pangsa pasar. Selain itu, BOPO menunjukan pengaruh negatif terhadap kinerja bank karena pengaruhnya berbanding terbalik dengan konsep pengukuran kinerja bank.

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Camel Dan Tingkat Kesehatan Perbankan

Cited by 3 publications

References 2 publications

Performance of Conventional Banking, Impact of Indonesia's National Economic Recovery Program Due to the Covid 19 Pandemic

Performance of Conventional Banking, Impact of Indonesia's National Economic Recovery Program Due to the Covid 19 Pandemic

Comparative Analysis of Banking Financial Performance Before and After Implementation of Financial Technology (FinTech)

Analisis peran modal intelektual dan BOPO sebagai determinan kinerja perbankan

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