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Journal : Journal Publicuho

ANALISA DAMPAK RASIO KEUANGAN PERBANKAN TERHADAP PROFITABILITAS BANK BERDASARKAN MODAL INTI (KBMI) PADA KELOMPOK BANK DI INDONESIA Subrini; Masyhuri Hamidi; Fajri Adrianto
Journal Publicuho Vol. 7 No. 1 (2024): February - April - Journal Publicuho
Publisher : Halu Oleo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35817/publicuho.v7i1.364

Abstract

This research aims to investigate the analysis of the relationship between banking financial ratios and profitability using the purposive sampling technique in the form of panel data. The research sample was derived from 47 banking sectors listed on the BEI stock exchange from 2013 to 2022, with a total of 470 firm-year observations. The regression method employed was the Ordinary Least Squares (OLS) data panel, and it underwent tests for regression model selection, classical assumptions, robustness, and the Generalized Least Squares (GLS) method. The research findings indicate that CASA is a determining factor for banks in general to enhance Return on Assets (ROA), especially in the small bank group (KBMI 1 and 2). BOPO has been a hindering factor for banks in general to achieve profitability (ROA and ROE) over the past 10 years. In the pre and POST economic crisis of Covid-19, the Loan to Deposit Ratio (LDR) is a hindering factor for banks in general to achieving profitability. Interestingly, as long as the economic crisis, the opposite is true, LDR became a determining factor in increasing profitability, especially in the large bank group (KBMI 3 and 4).
ANALISIS STRATEGI E-CHANNEL PT. BANK RAKYAT INDONESIA DI REGIONAL OFFICE PADANG Olin Nofita; Syafrizal; Fajri Adrianto
Journal Publicuho Vol. 7 No. 2 (2024): May - July - Journal Publicuho
Publisher : Halu Oleo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35817/publicuho.v7i2.448

Abstract

The aim of this research is to analyze the e-channels strategy of Bank BRI Regional Padang. Analysis was carried out using the business model canvas (BMC) and SWOT analysis. In this research, 3 informants were taken from within the company. The research stages begin with the Business Model Canvas and SWOT, problem identification, data collection, data analysis, interpretation of results and conclusions. Through the analysis described above, the results obtained show that Bank BRI has implemented the Business Model Canvas. Based on the results of the SWOT matrix, 14 alternative strategies were obtained that Bank BRI Regional Office Padang could choose in an effort to improve e-channel. After carrying out the SWOT analysis, further development was carried out by adding additions to each element of the 9 BMC blocks to produce a new business model canvas on the BRI Bank e-channel. The limitations of this research are limited to only using the Business Model Canvas analysis method and SWOT analysis. It is recommended to use the analysis method using QSPM to get better results. The informants in this research only focused on informants who came from within the company. It is recommended that further research include informants from external parties such as the OJK.