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Journal : Banking

Analysis of Non Performing Financing (NPF) and Operational Efficiency Ratio (BOPO) on Return on Asset (ROA) Supriyanto, Dodi
Banking & Management Review Vol. 8 No. 2: Banking & Management Review
Publisher : STIE Ekuitas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52250/bmr.v8i2.176

Abstract

Bank Syariah functions as a financial intermediary institution, carrying out its operational activities by collecting funds from the public and then channeling them back in the form of financing and conducting service activities. This study aims to determine the development of Non Performing Financing (NPF), Operational Effeciency Ratio (BOPO) and Return On Assets (ROA) at BNI Syariah 2013-2017. The method used is descriptive verification method. The data used are secondary data from 2013-2017 financial statements for the quarterly with data collection techniques in a study to the library. The design of hypothesis testing uses classical assumption test, simple linear regression analysis, correlation coefficient analysis, coefficient of determination analysis, and hypothesis testing using t test. From the test results it can be concluded that both NPF partially influences ROA but not significantly. As for the BOPO also partially influences but not significantly on ROA. Simultaneously it can be seen that the calculated f value of 2.727 with a significant level of 0.094. Where the significance level is greater than 0.05, while the calculated f value of 2.727 is greater than 3.59, it can be concluded that there is a significant but not significant relationship between the NPF (X1) and BOPO (X2) variables simultaneously against (ROA) (Y). Keywords: Non Performing Financing, Operational Efficiency Ratio, Return on Assets.
PROSPEK DAN TANTANGAN BANK SYARIAH PASCA MERGER (BANK SYARIAH BNI, BRI DAN MANDIRI) Supriyanto, Dodi; Aulia, Syafitri Nur
Banking & Management Review Vol. 10 No. 1: Banking & Management Review
Publisher : STIE Ekuitas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52250/bmr.v10i1.388

Abstract

One of the government's policies to strengthen domestic Islamic financial institutions is by implementing a merger of three Islamic commercial banks, which are state-owned subsidiaries, namely Bank Syariah Mandiri, BRI Syariah, and BNI Syariah, where BRI Syariah will be the surviving entity or entity that receives this merger. However, this policy could create new problems or challenges for merged banks, such as in the areas of human resources, capital, and market share. This study aims to determine the prospects and challenges of post-merger Islamic banking. The descriptive research approach was utilized. The documentation study data collecting approach was employed in this investigation. From 2013 to 2017, the data was derived from the quarterly financial reports of Bank BNI Syariah, PT. Bank BRI Syariah, Tbk, and Bank Mandiri Syariah. This study's findings include market share, Third-party Funds, Capital Adequacy Ratio (CAR), other ratios, and the number of employees.