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All Journal Journal of Economic, Bussines and Accounting (COSTING) GUYUB: Journal of Community Engagement
Fahrul Riza
Universitas Ciputra Surabaya
Religion Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Mechanical Engineering Social Sciences Other

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IMPLIKASI CURRENT ACCOUNT SAVINGS ACCOUNT (CASA), BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) DAN NON-INTEREST INCOME TERHADAP PROFITABILITAS BANK UMUM Fajar Andrianto; Wiliam Santoso; Fahrul Riza; Haikal Andrean
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 6 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.12578

Abstract

Indonesia's banking sector has grown significantly and is considered one of the largest in Southeast Asia. This is demonstrated by the fact that three Indonesian banks are among the ten largest banks in Southeast Asia by market capitalization. The banking sector is currently facing increasing competition from national banks and foreign bank branches, as well as fintech. In assessing banking performance, profitability is very important. Variables such as Current Account Savings Account (CASA), Operating Expenses to Operating Income (BOPO), and Non-Interest Income affect bank profitability (ROA). This study investigates the effect of CASA, BOPO, and Non-Interest Income (NII) on the profitability of commercial banks in Indonesia. Using the purposive sampling method to select the data sample, this study concentrates on ten banks that belong to Bank Group based on Tier 1 Capital (KBMI) 3 and 4. This study aims to gain a deeper understanding of the variables that affect bank profitability in the context of the Indonesian financial market. This study uses multiple linear regression to analyze the independent variables CASA, BOPO, and non-interest income, and the dependent variable Return on Assets (ROA). The results show that the value of the CASA variable has no direct impact on the value of the ROA variable, the value of the BOPO variable has a negative impact on the value of the ROA variable, and the value of the NII variable has no direct impact on the value of the ROA variable. The results of this study are expected to provide a broader picture for banking management and investors about things that need to be considered related to the variables tested in this study. Keywords: Bank, profitability, CASA, BOPO, ROA
Strengthening Digital Marketing Capacity to Improve the Competitiveness of MSMEs Teofilus Teofilus; Fahrul Riza; Endi Sarwoko
GUYUB: Journal of Community Engagement Vol 7, No 1 (2026): Maret
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/guyub.v7i1.13222

Abstract

The uneven adoption of digital marketing among Micro, Small, and Medium Enterprises (MSMEs) in Tandes District, Surabaya, has become a significant challenge that limits business competitiveness in an increasingly digitalized economic environment. Although various government initiatives have promoted MSME digitalization, at the local level many business actors still experience limited digital literacy, inconsistent online promotional practices, and low utilization of digital platforms for market expansion. This condition highlights the urgency of implementing community service programs that focus on strengthening the digital marketing capacity of MSME actors. This community service activity aims to identify the level of knowledge and readiness of MSMEs in adopting digital marketing and to strengthen their digital marketing capacity through a participatory approach. The method used is Participatory Action Research (PAR) involving 63 MSME actors as active participants. The activities were carried out through several stages, including participatory problem identification, digital marketing training and mentoring, completion of a self-assessment instrument covering eight digital marketing competency indicators, and joint reflection and evaluation. The data were analyzed using descriptive statistics to assess readiness levels and correlation analysis to examine the relationship between digital literacy, frequency of online promotion, number of online customers, and business turnover. The results indicate that the level of digital marketing adoption among MSMEs is at a moderate level, with mean scores ranging from 2.81 to 3.22. The highest competency is the ability to identify target markets (M = 3.22), while the lowest competency relates to conducting online competitor analysis and price benchmarking (M = 2.81). Correlation analysis also shows a positive relationship between digital literacy, the intensity of online promotion, the number of online customers, and increased business turnover.
Co-Authors Endi Sarwoko Fajar Andrianto Haikal Andrean Teofilus Teofilus, Teofilus Wiliam Santoso