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Journal : BUSINESS AND ENTERPREUNERSHIP JOURNAL

Pengaruh Penyaluran Kredit terhadap Pendapatan Operasional BRI Unit Bumi Waras Bandar Lampung Niar Azriya; Eka Travilta Oktaria
Business and Enterpreneurship Journal (BEJ) Vol 1, No 1 (2020)
Publisher : Business and Enterpreneurship Journal (BEJ)

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Abstract

Bank is a company that engages in finance, meaning that banking activity is always related in finance, namely to raise funds from the wider community and then the funds are re-played or re-sold to the community in the form of loans or better known as credit terms. The purpose of this research is to determine the influence of working capital credit, investment credit, as well as the dominant influence of both types of credit to the Bank's operating income. This type of research is quantitative, while the population in this research is the credit channeled by BRI Unit Bumi Waras Period 2009 – 2014. The testing equipment used in this study is a simple linear regression analysis, classic assumption Test, hypothesis testing. Simultaneously, working capital and investment credit are positively and significantly influential in the operating income of BRI Unit Bumi Waras. Partial working capital credit and investment credit are influential and significant to the operating income of BRI Unit Bumi Waras and the variable of working capital credits most dominant to revenue.
PENGARUH CAPITAL ADEQUACY RATIO (CAR), FINANCING TO DEPOSIT RATIO (FDR), NON PERFOMING FINANCING (NPF), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SYARIAH TAHUN 2015-2018 Rudi Ramadhani; Amelia Anwar; Eka Travilta Oktaria
Business and Enterpreneurship Journal (BEJ) Vol 2, No 2 (2021)
Publisher : Business and Enterpreneurship Journal (BEJ)

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Abstract

This study aims to determine the effect of knowing the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and Operational Expenditures on Operating Income (BOPO) on Return on Assets (ROA) at Banks Sharia General in 2015-2018. This study uses quantitative data with secondary data sources in the form of financial statements. The sampling technique used was purposive sampling and obtained a sample of 4 Islamic banks. Data taken from quarterly financial reports obtained from the official website of each bank is a research sample. The results of this study show that the results of the test simultaneously (Test F) obtained F count 73,367 f table 2,53 with a significant result of 0,000 0,05, which means that CAR, FDR, NPF and BOPO jointly influence and significant to ROA. While the test results t (1) CAR has a value of t count 2.195 t table 2.00172 with a significant level of 0.032 0.05, which means that CAR has a positive and significant effect on ROA. (2) FDR has a value of t count 2.333 t table 2.00172 with a significant level of 0.023 0.05, which means that FDR has a positive and significant effect on ROA. (3) NPF has a value of t count 1.437 t table 2.00172 with a significant level of 0.156 0.05, which means that NPF has no effect and is not significant towards ROA. (1) BOPO has a value of t count -14.915 t table 2.00172 with a significant level of 0,000 0.05 which means that BOPO has a negative effect and is significant for ROA.Keywords: CAR, FDR, NPF, BOPO and ROA