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Journal : Diversity Logic Journal Multidisciplinary

COMPARATIVE ANALYSIS OF JAGO BANK AND ALLO BANK FINANCIAL PERFORMANCE FOR THE PERIOD 2019 - 2023 Sulistyawati, Sulistyawati; Kusmayasari, Dewi; Sundari, Ariefah; Hadi, Abdul; Feryani, Dwin
DIVERSITY Logic Journal Multidisciplinary Vol. 2 No. 3 (2024): December: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v2i3.103

Abstract

Background: A bank is a business entity that stores customer savings and distributes them back to the community through credit or other forms to enhance the standard of living. Research Purpose: This research aims to compare the financial performance of Jago Bank and Allo Bank during the 2019-2023 period. Research Method: This research is a comparative descriptive research. The data used is secondary data in the form of banking annual financial reports which are reported to the Financial Services Authority (OJK). Data analysis was carried out using CAMEL (capital, assets, management, earning, dan liquidity) analysis with the financial ratios used being CAR (Capital Adequacy Ratio), NPL (Non Performing Loan), NIM (Net Interest Margin), ROA (Return on Asset), BOPO (Operating Costs and Operating Income), and LDR (Loan to Deposit Ratio). The analysis technique used to compare the performance of Jago Bank and Allo Bank was the Independent Sample T-Test. Findings: Analysis showed the average NPL, ROA, BOPO, and LDR ratios. There is no significant difference between Jago Bank and Allo Bank, while the average CAR ratio is significantly different between Jago Bank and Allo Bank. Conclusion: Jago Bank Health Level: CAR, NIM are in a very healthy condition or criteria and ROA, BOPO, LDR, are in an unhealthy condition or criteria. Allo Bank Health Level: CAR, NPL, NIM, ROA, BOPO, are in a very healthy condition or criteria and LDR is in an unhealthy condition or criteria.
Co-Authors Abdul Hadi Abdul Tholib Achmad Yasin Mustamin Adelia Saharani Afina, Zahira Ahmad Samratul Aula Akhyar, Athiyah Safira Mohd. Al Hakim, Annisa Alhanani, Syahrul Akbar Aliansyah, Amir Fahmi Ananda, Anugrah Tri Andi Nikhlani Andrianty, Athika Ayu Andrias Feri Sumadi Angga Pandu Wijaya, Angga Pandu Anggraini, Vidya Aries Aqmarina, Nurma Ardiyanti, Muthia Arfiani Nur Khusna Arief Budiman Arief Ghozali, Fanani Arifah, Ayunda Nurul Arifin, A. Zainul Arifin, Ahmad Zainul Arinda, Shafira Aprilla Arisona, Dian Asep Rustiawan Asep Rustiawan Asti Mulasari, Surahma Aunurrahman Aunurrahman Az Zahra, Zharifatul Ulya Bambang Sudarsono Bambang Sudarsono Bambang Sudarsono Budhi Harjo Budi Aji Candra Puspitasari Daud, Attaillah De Leon, Jardene Marie Gensaya Desi Nurfita Desta Risky Kusuma Deta Amelia Hasri Deva Fajrisa Dian Maya Sari Dian Oktamulada Utami Dian Prasasti Djamil, Setia Nanda Nabila Dwi Utami Farkhati Dyah suryani E. Elsa Herdiana Murhandarwati Endriani, Lusiana Wiwid Fadillah, Ryan Fajar Fatmawati Fajar Hidayanto, Fajar Fanani Arief Ghazali Fanani Arief Ghozali Fanani Arief Ghozali Fanani Arief Ghozali Fanani Arif Ghozali Fardhiasih Dwi Astuti Fardhiasih Dwi Astuti Fatmawati, Fajar Fatwa Tentama Feryani, Dwin Fitri, Mellyana Fitriana, Nurul Fatwati Ghozali, Fanani Arief Hagishima, Aya Henny Pagoray, Henny Herman Yuliansyah Herman Yuliansyah Herman Yuliansyah Herman Yuliansyah Herman Yuliansyah Herman Yuliansyah Herman Yuliansyah Herman Yuliansyah Herman Yuliansyah, Herman Herminarto Sofyan Herry Sujaini Hidayat, Muhammad Syamsu Holyness Nurdin Singadimedja Ika Martiningsih, Ika Izzatun Nisa Keisya, Nurul Khoiriyah Isni Kumalasari, Riska Erlina Kuncara, Evrin Isna Nur Kurnia, Ghina Dwi Kusmayasari, Dewi Kusuma, Desta Rizki Kusumasari, Rizqiani Amalia Kusumawati, Renita Kuswati Kuswati Laila, Linda Liena Sofiana Listyaningrum, Prabandari Lu Lu Nafiati Lu'lu' Nafiati Lu'lu' Nafiati Lu'lu' Nafiati Lu'lu' Nafiati Lu'lu' Nafiati Luhur Wicaksono Lusiana Wiwid Endriani Lu’lu’ Nafiati Lu’Lu’ Nafiati Lu’lu’ Nafiati Lu’lu’ Nafiyati Madjid, Sekar Fatikhah Mahardika Agus Wijayanti Mahfud, Ridwan Isnaeni Mait, Tesya Oktavia Manalu, Dian Evalin Marbun, Yohanes Firman Padamean Maulana, Muchsin Miftah, Zulfa Rosyidah Miswaty, Miswaty Muchlis Muchlis Muchsin Maulana Muchsin Maulana, Muchsin Muhammad Nasihin Murtyas, Solli Dwi Mustanginah, Tri Muthia Ardiyanti Mutmainah, Nur Fitri Nafiati, Lu'lu' Nafiati, Lu'lu' Asti Nina Oktarina Ningrum, Dwi Cahya Nugraheni, Aulia Putri Nurfaidah Nurfaidah Nurkhasanah Mahfudh Nurramadhani, Nurramadhani NURUL ANNISA Nurul Irma Kusumawati Nurul Qomariyah nuryantiningsih, farida Padmawati, Ike Lukita Patricia Lubis, Patricia Permana, Dian Fithra Poniasih, Ami Prabandari Listyaningrum Prakosa, Rieska Dwi Pratama, Wegig Prayoga, Yogi Puratmaja, Yudha Purnamawati, Desita Purwono Purwono Putri A., Rezky Amelia Putri Arum Sholekhati R. Hafid Hardyanto, Settings Rahastri, Ajeng Rahayuningsih, Indri Rahmadani, Natasya Suci Rahmawati, Frida Rahmawati, Rahmawati Rejeki, Suprapti Resiana Larasati Retno Tri Purnamasari, Retno Tri Ria, Dana Asta Ricadone Nita Mardenta, Ricadone Nita Riris Diana Rachmayanti Rokhmayanti Rokhmayanti Rokhmayanti, Rokhmayanti Rosmawati, Elly Rosyidah Rosyidah, Rosyidah Ruri Trisasri Samawi, Oscar Raihan Santri, Ichtiarini Nurullita Sari, Hanif Tegar Muktiana Septian Emma Dwi Jatmika, Septian Emma Dwi Setiyaningrum, Annisa Siti Kurnia Widi Hastuti Sitti Nur Djannah Sitti Nur Djannah Sitti Rahmah Umniyati Siwi Pramatama Mars Wijayanti Siwi Pramatama Mars Wijayanti Siwi Pramatama Mars Wijayanti Solikhah Solikhah Solikhah Solikhah Sri Hariningsih Pratiwi, Sri Hariningsih Sri Wahyunita Mohamad Subardjo Subardjo Subardjo, Subardjo Sudarsono, Bambang Sudarto Edi Hartono Suhandano Suhandano Sulistyani, Dwi Ana Sumadi, Andrias Feri Sunarti Sunarti Sunarti Sundari, Ariefah Suprapti Rejeki Surahma Asri Mulasari Surahma Asti M Surahma Asti Mulasari Surahma Asti Mulasari Surahma Asti Mulasari Surahma Asti Mulasari Surahma Asti Mulasari Surahma Asti Mulasari Surahma Asti Mulasari Syaddad, VirzqiZulviqar Syafuannur, Alfin SYAIFUL BAHRI Tahir, Tahir Tentama, Fatwa Asti Tetrina Purtaria Tiara Lintang Sari Tri Ani Marwati Tri Baskoro Tunggul Satoto Tri Wahyuni Sukesi Tri Wahyuni Sukesi Trias Nirmalawati, Trias Trie Utari Dewi, Trie Utari Trisasri, Ruri Trismadani Erlina Putri Ulinnuha Yudiansa Putra Ummul Khair Ummul Khair urai salam Uswatun Hasanah Vera Yuli Erviana Wahid Wahid, Wahid Wahyuni Sukesi, Tri Wahyuning Nugraheni Warneri . Wattimena, Elna Wegig Pratama Widodo Hariyono Widya Ariani Wijayanti, Siwi Mars Pramatama Wijayanto, Taufik Wini Tarmini Yanasta Yudo Pratama Yohanes Bahari Yudha Puratmaja Yuliansyah, Herman Asti Yuniar Wardani