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Journal : KENDALI: Economics and Social Humanities

Determinants of Return on Equity in Regional Banks: An Empirical Study from the Special Region of Yogyakarta Agus Tri Basuki
KENDALI: Economics and Social Humanities Vol. 3 No. 3 (2025): KENDALI: Economics and Social Sciences Humanities.
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v3i3.648

Abstract

This study aims to examine the influence of BOPO (Operational Expenses to Operational Income), NIM (Net Interest Margin), LDR (Loan to Deposit Ratio), GWM (Statutory Reserves), and KPMM (Capital Adequacy Ratio) on ROE (Return on Equity) at the Regional Development Bank of the Special Region of Yogyakarta. The research utilizes quarterly data obtained from the Financial Services Authority (OJK) spanning from March 2017 to December 2024. A multiple linear regression approach is employed to analyze the relationship among the variables. The results indicate that BOPO, GWM, and KPMM have a statistically significant negative effect on ROE. In contrast, NIM exerts a significant positive effect on ROE, while LDR shows no significant influence. Based on these findings, bank managers are advised to implement strategic policies aimed at improving efficiency by reducing operational costs (BOPO), optimizing reserve fund allocations (GWM), and maintaining a balanced capital structure (KPMM). Additionally, increasing NIM through better interest rate management can enhance profitability. Monitoring and controlling these financial ratios effectively will support sustainable financial performance and maximize shareholder value.
Analisis Faktor Penentu Loyalitas Pelanggan Melalui Kepuasan Sutrisno Wibowo; Agus Tri Basuki; Indah Rayhana Haryanti
KENDALI: Economics and Social Humanities Vol. 3 No. 3 (2025): KENDALI: Economics and Social Sciences Humanities.
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v3i3.659

Abstract

Penelitian ini bertujuan untuk menganalisis Pengaruh Brand Image, Persepsi Kualitas Layanan dan Store Atmosphere Terhadap Loyalitas Pelanggan melalui Kepuasan Pelanggan. Subjek dalam penelitian ini adalah Mahasiswa yang pernah melakukan pembelian di coffee shop Cold’N Brew Demangan. Pengambilan sampel menggunakan teknik nonprobability sampling dengan metode purposive sampling. Dalam penelitian ini sampel berjumlah 180 responden. Alat analisis yang digunakan adalah Smart PLS versi 3.0. Berdasarkan analisis yang telah dilakukan diperoleh hasil bahwa brand image berpengaruh positif dan signifikan terhadap kepuasan pelanggan, store atmosphere berpengaruh positif dan signifikan terhadap kepuasan pelanggan, persepsi kualitas layanan berpengaruh positif dan signifikan terhadap kepuasan pelanggan, kepuasan pelanggan berpengaruh positif dan signifikan terhadap loyalitas pelanggan , brand image berpengaruh positif dan signifikan terhadap loyalitas pelanggan , store atmosphere berpengaruh positif dan tidak signifikan terhadap loyalitas pelanggan, persepsi kualitas layanan berpengaruh positif dan signifikan terhadap loyalitas pelanggan, brand image berpengaruh positif dan signifikan terhadap loyalitas pelanggan melalui kepuasan pelanggan, store atmosphere berpengaruh positif dan signifikan terhadap loyalitas pelanggan melalui kepuasan pelanggan, persepsi kualitas pelayanan berpengaruh positif dan signifikan terhadap loyalitas pelanggan melalui kepuasan pelanggan.