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Journal : Multidiscience: Journal of Multidisciplinary Science

Analysis Analysis of the Effect of BOPO, CAR, DPK, LDR, and NPL on the Financial Performance of Banking Companies on the IDX 2021-2023 Rakadewa, Vinsensius Agus; Ambarwati, Sri Dwi Ari; Hikmah, Khoirul
Multidiscience : Journal of Multidisciplinary Science Vol. 2 No. 1 (2025): January
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/multidiscience.v2i1.274

Abstract

This study examines the impact of financial ratios—Operating Expenses to Operating Income (BOPO), Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Loan to Deposit Ratio (LDR), and Non-Performing Loans (NPL)—on the financial performance of banking companies listed on the Indonesian Stock Exchange (IDX) during the post-COVID-19 recovery period (2021–2023). The research adopts a quantitative descriptive approach, utilizing multiple linear regression analysis on data collected from banks meeting specific criteria within the study period. The findings reveal that BOPO significantly and negatively affects Return on Assets (ROA), highlighting operational inefficiencies that erode profitability. CAR also exhibits a negative impact, suggesting that the emphasis on regulatory compliance and capital adequacy post-pandemic may hinder credit expansion and productive investment. Conversely, DPK and NPL show no significant influence on ROA, attributed to idle funds and effective credit risk mitigation measures. While indicative of efficient fund distribution, LDR negatively affects ROA due to heightened credit risk and operational costs during the economic recovery. This study contributes to the understanding of banking sector dynamics in Indonesia during a critical recovery phase, providing insights into optimizing financial performance through improved operational efficiency and strategic fund allocation. The results highlight the importance of balancing regulatory compliance, risk management, and profitability in the evolving economic landscape.
The Influence of Role Stressor on Negative Affect with Proactive Personality as a Moderating Variable in Civil Servants after Bureaucratic Simplification in Regional Government “X” Setyawan, Agung; Wahyuni, Purbudi; Ambarwati, Sri Dwi Ari
Multidiscience : Journal of Multidisciplinary Science Vol. 2 No. 1 (2025): January
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/multidiscience.v2i1.324

Abstract

This study investigated the effects of role stressors consisting of role conflict, role ambiguity, and role overload on negative affect among civil servants in Local Government “X” after bureaucratic simplification and role equalization. The study further explored the moderating role of proactive personality in this relationship. A survey of 70 civil servants, selected using proportional stratified random sampling, provided the primary data, which were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results revealed that all three role stressors significantly contributed to negative affect. Proactive personality showed a significant positive moderating effect on the relationship between role overload and negative affect (β = 0.122, p < 0.05), indicating that proactive individuals may experience increased negative emotions when faced with excessive workload. However, proactive personality did not moderate the effects of role conflict and role ambiguity on negative affect. These findings underscore the need for targeted interventions to address workload-related stress in bureaucratic transformation.