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Key Drivers of Profitability in Indonesian Sharia Banks: Faktor Utama Profitabilitas Bank Syariah di Indonesia Septiani, Neli; Rahmawati , Imelda Dian
Indonesian Journal of Law and Economics Review Vol. 19 No. 4 (2024): November
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v19i4.1278

Abstract

Background: The banking sector significantly contributes to Indonesia's economic growth, with profitability serving as a key measure of performance and credibility, particularly in sharia banking. Knowledge Gap: Despite the importance of factors like Financing to Deposit Ratio (FDR), Operating Expense to Operating Income (BOPO), and Non-Performing Financing (NPF), their combined impact on profitability in Islamic banking remains underexplored. Aims: This study examines the influence of FDR, BOPO, and NPF on the profitability of Indonesian sharia banks. Methods and Results: Using data from 11 sharia banks listed on the Indonesian Stock Exchange (2018–2022) and multiple linear regression analysis, the study finds FDR and NPF have no significant effect, while BOPO negatively impacts profitability, emphasizing the importance of operational efficiency. Novelty and Implications: This study highlights the critical role of prudential and efficient financial management in Islamic banking, offering insights for enhancing profitability and resilience in Indonesia's sharia banking sector. Highlight : BOPO significantly impacts profitability, highlighting the need for operational efficiency in sharia banking. FDR and NPF show no significant influence on profitability, indicating other factors may play a role. Prudential financial management is crucial for enhancing resilience and growth in Islamic banks Keywords: Sharia banking, profitability, FDR, BOPO, NPF
Faktor – Faktor yang Mempengaruhi Kinerja Karyawan pada PT. Blue Bird Pool Garuda Syahdina, Aang; Laing, Muhammad Rezal; Fitria, Amanda Putri; Maharani, Sephia; Septiani, Neli; Witantris, Rahma Maulidda
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 1 No. 12 (2024): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/pp9fmj87

Abstract

This study seeks to empirically examine the impact of stress, motivation, and workload on the performance of employees at PT Blue Bird Pool Garuda. This study employs a quantitative methodology, relying on primary data for analysis. The sample consists of 100 employees selected through a saturated sampling method, or census. Data collection was conducted using questionnaires distributed to the employees, and the analysis was performed using SmartPLS V.4.0 software within the SEM framework. The findings reveal that, while work stress and workload individually do not have a significant effect on employee performance, motivation has a significant positive impact on performance.