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All Journal Jurnal RESTI (Rekayasa Sistem dan Teknologi Informasi) Jurnal Cahaya Mandalika Al-Ubudiyah: Jurnal Pendidikan dan Studi Islam Prosiding Seminar Nasional Sisfotek (Sistem Informasi dan Teknologi Informasi) Scientium Management Review Journal of Business Issues Innovative: Journal Of Social Science Research SAGA: Journal of Technology and Information Systems Economos : Jurnal Ekonomi dan Bisnis MULTIPLE: Journal of Global and Multidisciplinary BANDWIDTH: Journal of Informatics and Computer Engineering Jurnal Ekonomi dan Bisnis INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Jurnal Pendidikan, Bahasa dan Budaya Jurnal Pengabdian Masyarakat Cendikia Jenius Journal of Studies in Academic, Humanities, Research, and Innovation Jurnal Pendidikan dan Sosial Humaniora
Syamsu Alam
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Religion Humanities Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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Journal : Scientium Management Review

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THE EFFECT OF FINANCIAL RATIO DETERMINANTS ON MARKET SHARE OF BANK MUAMALAT INDONESIA Nuratmi Eka Septiyanti; Syamsu Alam; Andi Ratna Sari Dewi
Scientium Management Review Vol. 2 No. 1 (2023): Scientium Management Review
Publisher : Scientia Integritas Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56282/smr.v2i1.361

Abstract

This study aims to examine the determinant effect of financial ratios on the market share of Bank Muamalat Indonesia. Financial ratios are approached by the financing to deposit ratio (FDR), operating expenses and operating income (OEOR), non performing financing (NPF), and capital adequacy ratio (CAR). The observation period in this study is 20 years, from 2003 to 2022. This research uses financial report data issued by Bank Muamalat Indonesia and the publication of the Financial Services Authority (OJK). The data analysis method is multiple linear regression. Before using this method, the data was first tested with the classical assumption tests, namely the normality, heteroscedasticity, multicollinearity, and autocorrelation tests. The results showed that FDR and OEOR had a positive effect on Muamalat Indonesia's market share, while NPF and CAR had no effect. 42.7% of the dependent variables in this study can be explained by independent variables, while the rest are influenced by other factors.
ANALYSIS OF CAPITAL ADEQUACY RATIO, FINANCING TO DEPOSIT RATIO, OPERATIONAL COSTS OPERATIONAL REVENUE, AND NON PERFOMING LOAN ON PROFITABILITY OF BANK RAKYAT INDONESIA MAKASSAR BRANCH Stephanie Aurea Mettha Puspita; Syamsu Alam; Erlina pakki
Scientium Management Review Vol. 2 No. 1 (2023): Scientium Management Review
Publisher : Scientia Integritas Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56282/smr.v2i1.385

Abstract

This study aims to examine and find out how the effect of Capital Adequacy Ratio (CAR), Financing to Deposit (FDR), Operating Income Operational Costs (BOPO), and Non-Performing Loans (NPL) on Return On Assets (ROA) at Bank BRI Makassar Branch. . This research is a quantitative research by analyzing ratios and using multiple linear regression analysis. The results show that the CAR variable has no significant and negative effect on ROA, this is because high CAR used to cover the risk of loss or assets that contain risks can reduce the bank's ability to expand its business. FDR has a positive and significant effect on ROA, which means that increased FDR absorption can cause ROA to increase and the increase in the number of loans given by banks will increase the level of public confidence. BOPO has a significant and negative effect on ROA, which means a low BOPO ratio so that banks can minimize operational risks derived from the large value of operating income. NPL has a significant and negative effect on ROA, this shows that the increasing number of non-performing loans makes banks not dare to increase lending, especially since the total third party funds received by banks are not optimal, causing bank liquidity to be disrupted. However, CAR, FDR, BOPO and NPL show that simultaneously or simultaneously have an effect on ROA with a determinant value of 0.82%.
Co-Authors A. Rifdah Dzakiyyah Tenri Sa’na Abdul Latief Arda Abdul Rahim Akramunnisa, Akramunnisa - Andi Putri Ramadhani Musa Anselmus Kabuhung Asmayanti Asriady Bakri Dewi, Andi Ratna Sari Diky Wahyudi B Erlina Pakki hardiana Helah Hesegem Jasman Jumarniati Katiandagho, Dismo Laekkeng, Mursalim Leny Yuliana M. Khusnul Mubarak Matalangi Mokoginta Jusran Muh. Abdul Rahman Laba Muh. Alfikri Muh. Rezky Naim Muhammad Syafii Basalamah Najib, Marhawati Nungki Prawita Sari Nur Aulia Cahyani Nur Halim Nuratmi Eka Septiyanti Ridwan Sayuthi, Dwi Putri Ramadhani Semuel Layuk Sri Astuty Stephanie Aurea Mettha Puspita Steven J. Soenjono Taufiq Ulil Azmi Asmin Wahda William Limoa