Pengaruh Capital Adequacy Ratio (CAR) Dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Return On Asset (ROA) Pada PT. Bank Syariah Mandiri TBK Periode 2011 – 2019
Abstract:Penelitian ini bertujuan untuk mengetahui Pengaruh Capital Adequacy Ratio (CAR) dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Profitabilitas Return On Asset (ROA) PT Bank Syariah Mandiri Tbk. data yang diperoleh bersumber dari laporan keuangan melalui Annual Report PT. Bank Syariah Mandiri (BSM) yang terdaftar pada Bursa Efek Indonesia periode tahun 2011–2019. Analisa data dilakukan dengan metode statistik deskriptif kuantitatif, Dari penelitian ini, dapat disimpulkan hasil Uji Simultan menunju… Show more
“…Considering that in principle the main banking activity is as an intermediary institution, the burden and income from banking operations are dominantly derived from interest costs and interest yields. Changes in the BOPO ratio are very important for the banking sector because it is a benchmark for determining the soundness of a bank (Tarmidji & Widodo, 2021). The high BOPO ratio indicates that the company bears high operational expenses and has an impact on losses, thereby affecting financial performance.…”
Section: Effect Of Bopo On Financial Performance (Roa)mentioning
confidence: 99%
“…BOPO is a ratio that compares how much operational expenses incurred can generate bank income in a certain period Tarmidji & Widodo (2021) . The greater the BOPO ratio, indicating an imbalance between operational expenses incurred and income generated, this of course makes the operational expenses borne by banks very high, the implication of this will make banking financial performance decrease, so that the profitability ratio (ROA) will be generated by banks will tend to fall and result in poor banking performance (Gustiana, Soleh, & Ferina, 2021) .…”
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.
“…Considering that in principle the main banking activity is as an intermediary institution, the burden and income from banking operations are dominantly derived from interest costs and interest yields. Changes in the BOPO ratio are very important for the banking sector because it is a benchmark for determining the soundness of a bank (Tarmidji & Widodo, 2021). The high BOPO ratio indicates that the company bears high operational expenses and has an impact on losses, thereby affecting financial performance.…”
Section: Effect Of Bopo On Financial Performance (Roa)mentioning
confidence: 99%
“…BOPO is a ratio that compares how much operational expenses incurred can generate bank income in a certain period Tarmidji & Widodo (2021) . The greater the BOPO ratio, indicating an imbalance between operational expenses incurred and income generated, this of course makes the operational expenses borne by banks very high, the implication of this will make banking financial performance decrease, so that the profitability ratio (ROA) will be generated by banks will tend to fall and result in poor banking performance (Gustiana, Soleh, & Ferina, 2021) .…”
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.
“…Menurut Moorey et al, (2020) BOPO digunakan untuk mengukur tingkat efisiensi dan kemampuan bank dalam melakukan kegiatan operasinya. Nilai rasio BOPO yang tinggi menunjukkan bahwa kegiatan operasional tidak efisien, tingginya nilai rasio BOPO berarti besarnya jumlah biaya operasional yang harus dikeluarkan untuk memperoleh pendapatan operasional (Tarmidi & Widodo, 2021).…”
The study aims to analyze the financial performance of sharia commercial bank during 2018-2021 using return on assets (ROA) approach. Measuring by capital adequacy ratio, financing deposit ratio, non-performing financing and operational efficiency ratio. Data analysis used quantitative descriptive method. Purposive sampling selected for this study were that the total sample of 7 (seven) Islamic banks and considered related to data, period, registered on the Financial Service Authority (OJK). The data obtained from annual report through the Islamic Bank official website. From the study results CAR, FDR, and NPF have no significant effect on profitability (ROA). BOPO has a significant effect on profitability (ROA).
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