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All Journal East Asian Journal of Multidisciplinary Research (EAJMR) Journal of Economics
Putra, Moh. Rizqy Eka
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering

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Comparative Analysis of Bank Efficiency in Indonesia, United States, and China Data Envelope Analysis Approach Putra, Moh. Rizqy Eka; Aji, Tony Seno
East Asian Journal of Multidisciplinary Research Vol. 3 No. 12 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v3i12.12489

Abstract

The rapid advancement of technology has significantly influenced the financial sector, driving the digitalization of banking, especially post-COVID-19. This study analyzes banking efficiency in Indonesia, the United States (US), and China from 2019–2023 using the Data Envelopment Analysis (DEA) method. Results reveal that US banks maintain the highest and most stable efficiency (average 0.99), followed by China with a positive trend (average 0.98), and Indonesia with stable but slightly lower efficiency (average 0.97). Key findings highlight US efficiency stability, China’s upward trend, and Indonesia’s credit risk management challenges. Recommendations include enhancing risk management in Indonesia, sustaining efficiency in the US, and improving cost efficiency in China.
Determinan Harga Saham Bank Umum yang Terdaftar di BEI Pendekatan Analisis Fundamental Putra, Moh. Rizqy Eka; Pasaribu, Gymnastiar Eka Aurillina; Putri, Icha Kartika; Fisabilillah, Ladi Wajuba Perdini; Dewi, Dita Dismalasari
Jurnal Ekonomika : INDEPENDEN Vol 4 No 3 (2024): Desember 2024
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v4i3.65202

Abstract

This research aims to analyze the factors that influence the share prices of commercial banks listed on the Indonesia Stock Exchange (BEI) during the 2019-2023 period with a quantitative approach and using secondary data. The variables explained include Non-Performing Loans (NPL), Net Profit Margin (NPM), Return on Assets (ROA), and Inflation, with stock prices as the dependent variable. The method used is panel data regression with Eviews 10 software. The research results show that simultaneously, NPL, NPM, ROA and inflation have a significant effect on stock prices. Partially, NPL and inflation have no significant effect, while NPM and ROA have a significant positive effect on stock prices. These findings confirm that profitability and asset management efficiency play an important role in influencing stock prices, while credit risk and macroeconomic factors tend to have minimal influence. This research provides insight for investors and bank management in making investment decisions and managing bank financial performance..
DETERMINAN FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK DIGITAL YANG TERDAFTAR DI BEI Putra, Moh. Rizqy Eka; Pasaribu, Gymnastiar Eka Aurillina; Fisabilillah, Ladi Wajuba Perdini; Ma'ruf, Aminudin
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.65203

Abstract

This research aims to analyze the determinants of factors that influence the profitability of digital banks listed on the Indonesia Stock Exchange (BEI) during the 2018–2023 period. The independent variables tested include Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), and Operational Costs to Operating Income (BOPO), with Return on Assets (ROA) as the dependent variable. The method used is quantitative with panel data regression using Eviews 10 software. The research sample consists of six digital banks that meet the criteria, with a total of 30 observations. The research results show that NPL has a positive but not significant effect on ROA, CAR has a positive and significant effect on ROA, while BOPO has a significant negative effect on ROA. These findings indicate that operational efficiency and capital adequacy are key factors in increasing digital bank profitability. Therefore, digital banks need to improve operational efficiency and maintain a strong capital position to maintain optimal financial performance.
Analisis Manajemen Risiko Perbankan Pada Bank Umum Di Indonesia Periode 2019-2023 Putra, Moh. Rizqy Eka; Pasaribu, Gymnastiar Eka Aurillina; Fisabilillah, Ladi Wajuba Perdini; Aji, Tony Seno
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.65204

Abstract

This research analyzes the impact of NPL (Non-Performing Loans), LDR (Loans to Deposits Ratio), and BOPO (Operating Expenses to Operating Income) on ROA (Return on Assets) in commercial banks in Indonesia during 2019-2023. Using secondary data from financial reports of banks registered on the IDX, multiple regression analysis was carried out using Eviews 12. Purposive sampling technique was used to select six banks that met the criteria, so that the total sample consisted of 30 banks. The research results show that NPLs have a significant negative impact on ROA, reducing bank profitability. LDR and BOPO do not significantly affect ROA, indicating that credit effectiveness and operational efficiency do not directly affect profitability. CAR is also not significant to ROA, possibly due to the absence of profitable capital utilization. Overall, credit risk management and asset quality influence profitability more than operational efficiency and use of funds
Co-Authors Aminudin Ma'ruf Dewi, Dita Dismalasari Ladi Wajuba Perdini Fisabilillah Pasaribu, Gymnastiar Eka Aurillina Putri, Icha Kartika Tony Seno Aji