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Pengaruh Non Performing Loan (NPL), Beban Operasional Pendapatan Operasional (BOPO), Capital Adequancy Ratio (CAR) dan Struktur Kepemilikan terhadap Kinerja Keuangan Bank Tahun 2018-2022 Sholika, Shinta Anatus; Zaki, Achmad
Jurnal Ilmu Manajemen Vol. 12 No. 4 (2024)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v12n4.p1023-1038

Abstract

The aim of this study is to analyze the effect of NPL, BOPO, CAR, and ROE in BUMN and BUS registered with the OJK during the period of 2018-2022. This study uses a quantitative approach with secondary data obtained from financial statements of banks registered with the OJK. The sample consists of several BUMN and BUSN banks that meet specific criteria, such as having complete financial statements for five consecutive years and being involved in international transactions. Data analysis methods include classical assumption tests and multiple regression analysis using SPSS software version 24. The results show that NPL, BOPO, CAR, and Ownership Structure have a significant effect on ROE. A high NPL negatively impacts ROE by reducing interest income, a high BOPO indicates inefficiency in managing operational costs, a high CAR lowers ROE through reduced credit distribution, and Ownership Structure affects ROE with state-owned banks being more focused on social missions, while private banks prioritize profit maximization. This study suggests that banks should keep NPL low, optimize operational cost management, pay attention to CAR management, and improve corporate governance to support profitability and operational efficiency.
Understanding the Complexity of Investment Behavior: A Qualitative Study Sholika, Shinta Anatus; Zaki, Achmad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.5186

Abstract

Financial literacy also influences an individual's perception of investment risk. Individuals with high levels of financial literacy tend to understand better the risks associated with various types of investments and can manage these risks effectively. This research aims to determine how individuals' financial literacy levels influence investment decisions, understand the relationship between individual financial behavior and the investment decisions they make, and ascertain how financial literacy contributes to the formation of more disciplined and planned investment behavior. The method used in this research is the descriptive qualitative method. The findings of this research indicate that efforts to improve financial literacy in society must be accompanied by a holistic approach that considers various aspects influencing individual investment behavior.