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All Journal Sebelas Maret Business Review Journal of Community Service and Engagement Jurnal Pendidikan Transformatif Edumaspul: Jurnal Pendidikan Indonesian Journal of Management and Economic Research Niswantara
Tias Pramono
Universitas Insan Pembangunan Indonesia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Optimizing profitability: The impact of operational efficiency and FDR from Muamalat Islamic bank Novia Sumarni; Francisca Sestri Goestjahjanti; Tias Pramono; Wahyu Murti
Sebelas Maret Business Review Vol 9, No 2 (2024): December 2024
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v9i2.95517

Abstract

This research examines the role of Bank Muamalat Indonesia’s (BMI) operational efficiency and Financing to Deposit Ratio (FDR) in affecting its profitability. This topic becomes more important considering the issue of the bank being hit by a drastic decline in profits. Collected data from quarterly financial reports published on the BMI's official website from 2013 to 2023, covering 44 observation periods. The data were analyzed using SPSS 27. The results indicate the negative effect of BOPO and the positive effect of FDR on ROA. Indicates that operational inefficiencies will suppress profitability. On the other hand, through increased funding distribution, banks will also benefit from the profit sharing obtained. So, if a bank wants to increase profitability, the two methods are operational efficiency and increasing FDR. This result suggested that Islamic banks must manage their operational income while controlling their operation costs to maintain operational efficiency. Also advised to maintain their bank’s performance by observing the financing options they offer for their customers. This finding is also expected, especially for policyholders at BMI, as an essential implication for getting out of the difficult situation.
Co-Authors Achmad Ardiansyah Adelia Hartika Adi Widodo Agus Purwanto Agus Purwanto Ajeng Casika Albertus Maria Setyastanto Bonar Bangun Jeppri Napitupulu Budi haryanto Danish Akbar Firdausy Asbari Desi Susanti Dewiana Novitasari Dewiana Novitasari Dhaniel Hutagalung Dwi Ferdiyatmoko Cahya Kumoro Ervana Chyrinne Firdaus Putra Francisca Sestri Goestjahjanti Gusli Chidir Hatoli Waruwu Ipang Sasono Jainuri Jodi Wahyudi Masduki Asbari Masduki Asbari Mepa Kurniasih Muhamad Agung Ali Muhamad Agung Ali Muhamad Rizky Wijaya Multi Nadeak Mutiara Fitridiani Nelson Silitonga Novia Sumarni Rachma Nadhila Sudiyono Safna Deviputry Suwandy Shofwatun Hasna Sukriyah Sukriyah Sukriyah Suroso Suroso Wahyu Murti Yosua Novembrianto Simorangkir Yuniar Rahman Zulfikar Muhammad