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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Balance : Jurnal Akuntansi dan Manajemen Indonesian Journal of Innovation Multidisipliner Research IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Indonesian Journal of Innovation Multidisipliner Research
Lestari, Suryani Sri
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Pengaruh Diversifikasi Pendapatan, BOPO, NPL, LDR Terhadap Profitabilitas Perbankan selama Meningkatnya Gelombang PHK Indonesia 2023 Afrizan, Faza Ladita; Lestari, Suryani Sri; Kusuma, Septian Yudha
Indonesian Journal of Innovation Multidisipliner Research Vol. 2 No. 3 (2024): September
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v2i3.178

Abstract

PHK (Pemutus Hubungan Kerja) tahun 2023 membuat perekonomian terganggu dan berdampak pada sistem perbankan. Penelitian ini dilakukan untuk mengetahui pengaruh Diversifikasi Pendapatan, BOPO (Beban Operasional Pendapatan Operasional), NPL (Non Performing Loan), dan LDR (Loan to Deposit Ratio) terhadap profitabilitas yang ditunjukkan dengan ROA (Return On Asset) pada sektor perbankan selama terjadinya gelombang PHK pada tahun 2023 di Indonesia. Metode Analisis Data yang digunakan adalah Statistik Deskriptif, dengan Pendekatan Kuantitatif. Model Analisis data adalah Model Analisis Linier Berganda. Sampel pada penelitian ini adalah 121 laporan keuangan 28 bank umum konvensional yang memiliki total asset >Rp50 Triliun. hasil penelitian dengan menggunakan Uji F dan Uji t menunjukkan bahwa secara parsial Diversifikasi Pendapatan berpengaruh positif terhadap ROA (Return On Asset), BOPO (Beban Operasional Pendapatan Operasional) berpengaruh negatif signifikan terhadap ROA (Return On Asset), NPL (Non Performing Loan) berpengaruh negatif secara signifikan terjadap ROA (Return On Asset), dan LDR (Loan to Deposit Ratio) tidak berpengaruh terhadap ROA (Loan to Deposit Ratio).
Financial Sustainability: Analisis Faktor Internal pada Bank Syariah Widodo, Saniman; Lestari, Suryani Sri; Widowati , Mustika; Hasanah , Siti; Sari, Mella Katrina
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 1 (2025): April 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i1.988

Abstract

Penelitian ini bertujuan untuk mengkaji faktor-faktor yang mempengaruhi keberlanjutan keuangan (Financial Sustainability) pada bank syariah di Indonesia selama periode 2018-2023. Financial Sustainability Ratio (FSR) digunakan sebagai variabel dependen, dan Financial to Deposite Ratio (FDR), Capital Adequacy Ratio (CAR), Return on Assets (ROA), Beban Operasional per perndapatn Operasional (BOPO) dan Non Performing Financing (NPF) merupakan variabel independent. Penelitian ini menggunakan Teknik Purposive Sampling yang diambil dari laporan keuangan triwulanan 10 bank syariah yang tersedia untuk periode 2018-2023 yang menghasilkan 240 data observasi yang valid dan dapat dianalisis. Sumber data berasal dari Laporan Keuangan. Metode analisis yang digunakan menggunakan regresi linerar berganda dengan pengolahan data menggunakan perangkat lunak SPSS 26. Dan hasil penelitian menunjukkan bahwa Financial to Deposit Ratio (FDR) berpengaruh positif dan signifikan terhadap FSR, Capital Adequacy Ratio (CAR) dan Return On Assets tidak berpengaruh signifikan, Beban Operasional per perndapatan operasional memiliki pengaruh negative dan signifikan terhadap FSR Bank Syariah di Indonesia.
ISLAMIC BANKING PERFORMANCE BASED ON BANK HEALTH BEFORE AND DURING THE COVID-19 Lestari, Suryani Sri; Hasanah, Siti; Widodo, Saniman; Widowati, Mustika; Katrinasari, Mella
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 2 (2024): IJEBAR, VOL. 08 ISSUE 02, JUNE 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i2.12801

Abstract

The research entitled "Sharia Banking Performance Based on Bank Health Before and During the Covid-19 Pandemic" was based on the Covid-19 pandemic that hit Indonesia, which had an impact on bank health but also hampered Indonesia's economic growth. One of the sectors that the government has focused on in dealing with economic problems is banking, which is predicted to be affected by the pandemic. The purpose of this study is to analyze the impact of the Covid-19 pandemic on the performance of Islamic banking using the health ratio variables of Islamic banks, namely: Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return on Assets (ROA), Operational Income Operational Costs (BOPO), and Capital Adequacy Ratio (CAR). This study uses secondary data, namely quarterly financial reports for the two years before (2018-2019) and the two years during the Covid-19 pandemic (2020-2021). The sample used in this study is Islamic Commercial Banks that fall into the BUKU 2 category (Business Commercial Banks), namely Banks with Core Capital of at least IDR 1,000,000,000,000.00 (one trillion rupiah) to less than IDR 5,000,000. 000,000.00 (five trillion rupiah), including Bank Muamalat Indonesia, BCA Syariah Bank, Bank Panin Dubai Syariah, Bank Mega Syariah, and Bank Aceh Syariah. Data testing method using descriptive statistics, normality test, and hypothesis testing. For the normality test use the Shapiro-Wilk test due to the small number of samples. Hypothesis testing used the Paired Sample T-Test for normally distributed data and the Wilcoxon Signed Rank Test for abnormally distributed data through the SPSS 25 program with a significance level of
Parametric Stochastic Frontier Approach To Measure Efficiency Pre-And-Post-Merger Bank Syariah Indonesia Sari, Mella Katrina; Widodo, Saniman; Lestari, Suryani Sri; Widowati, Mustika; Hasanah, Siti
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 13 No 1 (2024): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v13i1.1840

Abstract

This research analyses the efficiency of pre-and-post-merger Bank Syariah Indonesia (BSI). This research used a descriptive quantitative analysis method. The population in this research is Islamic banks, which were merged into BSI. The sampling technique was carried out using saturated samples, resulting in the merged of three Islamic Banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia Syariah (BNIS), Bank Rakyat Indonesia Syariah (BRIS), to become BSI. The data used is secondary data in the form of quarterly financial reports for 2019-2022. The research focused on input variables such as total fixed assets, third-party funds, operating costs, and financing. The data analysis techniques used to measure the efficiency of Islamic banks are the Econometric Model (Single Equation Model), Stochastic Frontier Analysis (SFA), and Independent Sample t-test. The result showed that pre-merger, the total fixed asset, total third-party funds, and operating cost as the input variables of the three Islamic Banks were optimal for generating financing. Therefore, the total assets, total third-party funds, and operating costs produced a more optimal impact on the distribution of total financing. It is shown that BSI, both pre-and-post-merger, has generally been efficient in its operational activities. The results of this research complement the theory related to the efficiency level of Islamic banks in terms of the amount of financing as measured by fixed assets, total third-party funds, and operational costs. Practically, the results of this research can be a reference for banks, especially Islamic banks, that will carry out mergers to measure their efficiency level.
Pengaruh Diversifikasi Pendapatan, BOPO, NPL, LDR Terhadap Profitabilitas Perbankan selama Meningkatnya Gelombang PHK Indonesia 2023 Afrizan, Faza Ladita; Lestari, Suryani Sri; Kusuma, Septian Yudha
Indonesian Journal of Innovation Multidisipliner Research Vol. 2 No. 3 (2024): September
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v2i3.178

Abstract

PHK (Pemutus Hubungan Kerja) tahun 2023 membuat perekonomian terganggu dan berdampak pada sistem perbankan. Penelitian ini dilakukan untuk mengetahui pengaruh Diversifikasi Pendapatan, BOPO (Beban Operasional Pendapatan Operasional), NPL (Non Performing Loan), dan LDR (Loan to Deposit Ratio) terhadap profitabilitas yang ditunjukkan dengan ROA (Return On Asset) pada sektor perbankan selama terjadinya gelombang PHK pada tahun 2023 di Indonesia. Metode Analisis Data yang digunakan adalah Statistik Deskriptif, dengan Pendekatan Kuantitatif. Model Analisis data adalah Model Analisis Linier Berganda. Sampel pada penelitian ini adalah 121 laporan keuangan 28 bank umum konvensional yang memiliki total asset >Rp50 Triliun. hasil penelitian dengan menggunakan Uji F dan Uji t menunjukkan bahwa secara parsial Diversifikasi Pendapatan berpengaruh positif terhadap ROA (Return On Asset), BOPO (Beban Operasional Pendapatan Operasional) berpengaruh negatif signifikan terhadap ROA (Return On Asset), NPL (Non Performing Loan) berpengaruh negatif secara signifikan terjadap ROA (Return On Asset), dan LDR (Loan to Deposit Ratio) tidak berpengaruh terhadap ROA (Loan to Deposit Ratio).
Co-Authors Afrizan, Faza Ladita Hasanah , Siti Katrinasari, Mella Mustika Widowati, Mustika Sari, Mella Katrina Septian Yudha Kusuma Siti Hasanah Widodo, Saniman Widowati , Mustika