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PENGARUH NET PROFIT MARGIN (NPM) PADA BANK RAKYAT INDONESIA (BRI) CABANG PALANGKA RAYA Sunarmie, Sunarmie; Pamungkur, Pamungkur
Dinamika Ekonomi: Jurnal Ekonomi dan Bisnis Vol 18 No 1 (2025): DINAMIKA EKONOMI Jurnal Ekonomi dan Bisnis Vol.18 No.1 Maret 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Nasional (STIENAS) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53651/jdeb.v18i1.573

Abstract

This study aimed to identify the effect of operational efficiency ratio and cost efficiency ratio on net profit margin of Bank Rakyat Indonesia (BRI) parcial and simultaneously during the period of 2017-2024. This is a descriptive qualitative study. It was done in such a way by collecting data which is supporting factors of the effect between relevant variables to be analyzed later. The results suggested that (a) operational efficiency ratio (BOPO ratio) partially brings an adverse effect, while cost efficiency ratio (CER) in fact brings a positive effect. In case of Bank BRI, this is a result of the development of total non-interest expense, as an indicator of CER, in fact it can boost total sales which is an indicator of NPM, particularly in 2019, where the total sales increased when the bank suffered a loss, and (b) variable X1, operational efficiency ratio (BOPO ratio) partially affecting binding variables, brings an effect on net profit margin (NPM).
ANALISIS PENGARUH KEPUASAN PELAYANAN PELANGGAN TERHADAP KINERJA BANK PADA PT BANK DAGANG NEGARA (BNI) CABANG PALANGKA RAYA Pamungkur, Pamungkur; Sunarmie, Sunarmie
Dinamika Ekonomi: Jurnal Ekonomi dan Bisnis Vol 17 No 1 (2024): DINAMIKA EKONOMI Jurnal Ekonomi dan Bisnis Vol.17 No.1 Maret 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Nasional (STIENAS) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53651/jdeb.v17i1.487

Abstract

Abstract, This study aimed (a) to analyze the conformity between interest level of service components according to customers with the performance done by Bank Negara Indonesia (BNI) and (b) to analyze customers satisfaction on services provided so as to contribute the performance of Bank Negara Indonesia (BNI) to achieve good quality improvement by the stipulation of main priority. Qualitative data by scoring in calculation scale. A statement or question requiring alternative response, such as: very satisfied, satisfied, less satisfied, not satisfied at all, respectively with figures given 4 (four), 3 (three), 2 (two), and 1 (one). Study results suggested that factors becoming main priority or at Quadrant IV on cartesius diagram that should be performed as customers expectation among others: Teller attention to customers, all employees’ integrity in terms of servicing customers, waiting time in ATM queue, the presence of ATM machine, Interest Rate given by bank currently.