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All Journal Jurnal Akuntansi dan Pajak Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Liquidity: Jurnal Riset Akuntansi dan Manajemen CAPITAL: JURNAL EKONOMI DAN MANAJEMEN KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang Jurnal bintang manajemen
Ambardi Ambardi
Institut Teknologi Dan Bisnis Ahmad Dahlan Jakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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ANALISIS PERBANDINGAN RASIO PROFITABILITAS DAN LIKUIDITAS BANK DIGITAL (STUDI EMPIRIS PADA BANK JAGO DAN SEABANK) Ambardi; Gresita Resta S; Aam Aminah; Rizky Maulana Pribadi; Adi Rizfal Efriadi
CAPITAL: Jurnal Ekonomi dan Manajemen Vol. 8 No. 2 (2025)
Publisher : UNIVERSITAS PGRI MADIUN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25273/capital.v8i2.21418

Abstract

Teknologi yang semakin berkembang pesat menuntut industri perbankan untuk beradaptasi. Layanan Bank Digital dalam bentuk aplikasi sangat memudahkan masyarakat dalam bertransaksi karena dapat diakses kapan saja dan dimana saja. Penelitian ini bertujuan untuk menganalisis perbandingan 5 variabel yaitu rasio Return On Assets, Net Interest Margin, Non Performing Loans, Loan to Deposit Ratio, dan Operational Expenses Operational Income antara Bank Jago dan Seabank. Penelitian ini menggunakan penelitian kuantitatif dengan metode dokumentasi dan menggunakan uji Independent Sample t-test. Hasil penelitian menunjukkan bahwa berdasarkan analisis masing-masing rasio ditemukan 4 jenis rasio yaitu ROA, NIM, NPL dan BOPO, menerima hipotesis nol (H0) yaitu tidak terdapat perbedaan yang signifikan antara Bank Jago dengan Seabank dimana nilai rasio ROA sebesar 0,664, rasio NIM sebesar 0,339, rasio NPL sebesar 0,175 dan rasio BOPO sebesar 0,866 terhadap keempat rasio tersebut > 0,05 sedangkan LDR menolak hipotesis nol (H0) yaitu terdapat perbedaan yang signifikan antara Bank Jago dengan Seabank dimana nilai rasio LDR sebesar 0,000 < 0,05. Dapat disimpulkan bahwa antara Bank Jago dengan Seabank dari segi pengelolaan laba dan kegiatan operasional adalah sama atau tidak terdapat perbedaan, namun dari segi penyaluran kredit sumber likuiditasnya berbeda. Bank Jago dan Seabank yang merupakan dua bank digital dapat mempertahankan eksistensinya dan melakukan berbagai upaya inovatif untuk meningkatkan labanya.
ANALISIS PERBANDINGAN STABILITAS SISTEM KEUANGAN BANK PEMERINTAH DAN BANK SWASTA DI INDONESIA DENGAN PENDEKATAN MIKROPRUDENSIAL Ambardi Ambardi; Adi Rizfal Efriadi; Rizki Maulana Pribadi; Aam Aminah; Ahmad Eko Saputro
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3848

Abstract

Introduction: This study aims to assess the stability of the financial system across state-owned and national private banks using a microprudential approach. Several important microprudential indicators used in this study include the Capital Adequacy Ratio (CAR), which measures a bank's ability to bear the risk of loss. Asset quality measures the quality of bank assets, including the Non-Performing Loan (NPL) ratio. Liquidity measures the bank's ability to meet its short-term obligations. Profitability measures the bank's ability to generate profits. Net Interest Margin (NIM) to measure the bank's efficiency in interest management. Operating Costs and Operating Income (BOPO) to measure the efficiency of the bank's operational costs.Methods: This research is a quantitative descriptive study. The sample used in this study consists of banks with assets ranked among the 10 largest in Indonesia. All 10 samples were determined using a purposive sampling technique. financial performance summaries for the 2022-2024 period. The variables examined in this study include credit quality (NPL), bank liquidity (LDR), capital adequacy (CAR), profit-generating capacity (ROA and NIM), regulatory compliance (Reserve Requirement), and management efficiency (BOPO). The data analysis technique used was descriptive statistical analysis, as well as the Independent Sample t-test to compare the averages of two unrelated groups.Results: From the difference test, only the Capital Adequacy Ratio (CAR) indicator has a significant difference between the government bank group and the private bank group, while for other indicators such as Return on Assets (ROA), Net interest margin (NIM), Operating Costs Operating Income (BOPO), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Reserve Requirement (RR) there is no significant difference between the government bank group and the private bank group. Keywords: Comparison, Financial Stability, Government Banks, Microprudential, Private Banks
Co-Authors Aam Aminah Aam Aminah Aam Aminah Aam Aminah Aam Aminah Adi Rizfal Efriadi Adi Rizfal Efriadi Adi Rizfal Efriadi Ahmad Eko Saputro Ambardi Ambardi Damayanti Achmad Suroko Gresita Resta S Hani Nurhaniah Helmi Chaidir Helmi Helmi Helmi Helmi Husnayeti Husnayeti Mukhaer Pakkanna Mulia Alim Nur Aini Nurul Eka Putri Rizki Maulana Pribadi Rizky Maulana Pribadi