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All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences
Nur Aisyah F. Pulungan
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Religion Arts Humanities Economics, Econometrics & Finance Social Sciences

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The Effect of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Operational Costs and Operational Revenue (BOPO) On Return on Assets (ROA) in Bank IV Indonesia Muhammad Budi Rifansa; Nur Aisyah F. Pulungan
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.5484

Abstract

This study aims to analyze the effect of capital adequacy ratio (CAR), non-performing loan (NPL), net interest margin (NIM), loan to deposit ratio (LDR) and operating costs of operating income (BOPO) on return on assets (ROA) in book banks. IV in Indonesia. The population in this study is book IV bank listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period. Research data is secondary data with 5 years of observation. The method of determining the sample using purposive sampling, where from all book IV banks listed on the IDX, 10 book IV banks that reported their financial statements during the study period were taken. The data analysis method used is panel data regression Random Effect Model. The results of this study can be concluded that Return On Assets can be explained or influenced by the variables of capital adequacy ratio (CAR), non-performing loan (NPL), net interest margin (NIM), loan to deposit ratio (LDR), operating costs of operating income (BOPO). ) of 96.62%, while the remaining 3.38% is influenced by other variables outside the model. The results showed that the ratio of CAR, NPL and BOPO had no effect and the ratio of NIM and LDR had a positive and significant effect on Return On Assets (ROA).
Analysis of the Impact of Enterprise Risk Management Implementation on the Organizational Performance (Case Study of PT. Asuransi) Herniyati Rezeki; Nur Aisyah F. Pulungan
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.6214

Abstract

Organizational performance is an important indicator, not only for companies, but also for investors. Organizational performance assessment can be done by measuring the performance, organizational performance measurement can be done using a method or approach (Felisia, 2011). The measure used in performance evaluation is something important that needs to be considered because it will affect employee attitudes, such as perceptions of fairness, trust in superiors, and job satisfaction (Lau and Sholihin, 2005). still relatively new. Only the banking sector has its own rules regarding risk management because this sector has more risks than other sectors. Meanwhile, for other sectors, the practice of risk management itself is still combined with the practice of Good Corporate Governance (GCG) so that it is not yet effective. Then only in 2012, the National Committee on Governance Policy (KNKG) issued a Governance-Based Risk Management Guideline which is separate from the GCG Guidelines. But this rule is only limited to ethical encouragement or only as a recommendation and does not have a legal bond that requires companies to follow these rules. Risk management or Enterprise Risk Management (ERM) is a strategy used to evaluate and manage all risks in the company. This approach to managing organizational risk is often referred to as risk management. In the midst of an economic situation full of uncertainty in business competition and the complexity of business risks that companies must face, a risk management system is one of the main tools to reduce and handle any risks that may arise (Beasley et al., 2006 ;).” Based on the results of the analysis, it was found that there is a positive impact of risk identification, risk assessment, and risk mitigation on organization performance partially and simultaneously.
Co-Authors Herniyati Rezeki Muhammad Budi Rifansa