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All Journal KEUNIS JSHP (Jurnal Sosial Humaniora dan Pendidikan)
Winarni Winarni
Politeknik Negeri Semarang
Economics, Econometrics & Finance Education Social Sciences

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ANALISIS PENGARUH BOPO, NPL, NIM, DAN LDR TERHADAP PROFITABILITAS PADA BANK UMUM DI INDONESIA PERIODE 2012-2017 Evi Rohmiati; Winarni Winarni; Nina Woelan Soebroto
KEUNIS Vol 7, No 1 (2019): JANUARI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (349.67 KB) | DOI: 10.32497/keunis.v7i1.1531

Abstract

This research is performed in order to test the influence of the Operation Expenses to Operations Income (BOPO), Non Performing Loan (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) toward Profitability of Commercial Banks in Indonesia Period 2012-2017.             The sample used is 7 Commercial Banks that entered into the list of Commercial Banks Business Activities 2012-2017. The independent variables in this research are BOPO, NPL, NIM, and LDR. While the dependent variable is Profitability which is represented by Return On Assets (ROA). The analysis model used in this research is Multiple Linear Regression, while the analysis technique in this research using F Statistic Test, t Statistic Test, and Determination Coefficient Test.             The results of this research show that BOPO and NIM have significant influence to Profitability, while NPL and LDR have not significant influence to Profitability. Based on result of regression analysis, it is obtained that Adjusted R2 is 0,906, meaning the contribution of independent variable in explaining the dependent variable is 90,6% and the rest that is 9,4% is influenced by other variable not examined in this research.
ANALISIS TINGKAT KESEHATAN PT. BPR WELERI MAKMUR DENGAN METODE CAMEL PADA PERIODE 2015-2018 Nabila Saskia Noer Rizky; Winarni Winarni
KEUNIS Vol 8, No 1 (2020): JANUARI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (323.48 KB) | DOI: 10.32497/keunis.v8i1.2134

Abstract

This study aims to assess and analyze the health level of PT. BPR Weleri Makmur if calculated using the CAMEL (Capital, Asset Quality, Management, Earning, and Liquidity) method in the 2015-2018 period based on Bank Indonesia Director's Decree No. 30/12 / KEP / DIR dated April 30, 1997. The component assessed is Capital (Capital) using CAR ratios, Asset Quality by using KAP ratios and PPAP ratios, Management using Management calculations using general management and risk management, earnings (earning) using the ROA ratio and the BOPO ratio, and Liquidity (Liquidity) using the Cash Ratio and LDR ratio.The results of the analysis and discussion showed that in the 2015-2018 period as a whole, the health level of PT. BPR Weleri Makmur is categorized in the healthy category, and the health level progress based on overall credit score at PT. BPR Weleri Makmur in the 2015-2016 period decreased.
Co-Authors Aditya Achmad Rakim Evi Rohmiati Hairul Anam Nabila Saskia Noer Rizky Nina Woelan Soebroto Saiful Ghozi, Saiful