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All Journal Law and Economics International Journal Of Synergi In Law, Criminal And Justice
Fauzan , Fauzan
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The impact of financial ratios on bank profitability: evidence from idx (2021-2023) Sari, Karima; Fauzan , Fauzan
Law and Economics Vol. 19 No. 2 (2025): June: Law and Economics
Publisher : Institute for Law and Economics Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/laweco.v19i2.145

Abstract

: This study examines the impact of Non-Performing Loans (NPL), the Operating Expenses to Operating Income Ratio (BOPO), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR) on Return on Assets (ROA) in banking institutions listed on the Indonesia Stock Exchange (IDX) from 2021 to 2023. Employing a quantitative research methodology, this study utilizes purposive sampling to select banks based on operational status and financial performance, with secondary data sourced from annual reports and financial statements. The research applies multiple regression analysis to examine relationships between variables, alongside classical assumption tests to ensure model validity. The findings reveal that NPL and BOPO have a significant negative effect on ROA, indicating that higher NPL increases credit risk and reduces profitability, while inefficient operations lower financial performance. Conversely, NIM positively and significantly affects ROA, suggesting that higher NIM enhances earnings from productive assets. However, LDR and CAR do not exhibit a significant impact, implying that credit distribution and capital adequacy do not directly influence profitability. Given these findings, future research should incorporate additional factors such as managerial efficiency, capital structure, and macroeconomic conditions while adopting qualitative approaches for deeper insights. For the banking sector, enhancing credit risk management, improving operational efficiency, and optimizing NIM are critical for sustained profitability. This study provides valuable insights for banking stakeholders and serves as a reference for further research on profitability determinants in the banking industry.
LEGAL STUDY ON THE EXTENSION OF THE TERM OF OFFICE OF VILLAGE HEAD AND ITS IMPLICATIONS ON THE STABILITY OF VILLAGE GOVERNMENT Henny Simarmata; Abdul Rahman Maulana Siregar; Fauzan , Fauzan
International Journal of Synergy in Law, Criminal, and Justice Vol. 2 No. 1 (2025): SLP-IJSLCJ
Publisher : PT. Sinergi Legal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70321/ijslcj.v2i1.105

Abstract

The extension of the village head's term of office has become an interesting issue in the dynamics of legal politics in Indonesia, considering its crucial role in the stability of village government. The change in term of office from 6 to 9 years has raised a debate between government effectiveness and democratic principles. Supporters argue that this extension increases the stability and sustainability of village development, while opponents consider it to be risky to strengthen patronage politics and hinder leadership regeneration. The main focus of this study is to analyze the legal basis underlying the extension of the village head's term of office and how this policy affects the stability of village government. The research method used is the normative legal method with a statutory and conceptual approach, and is supported by an analysis of various relevant regulations. Research shows that the extension of the village head's term of office has a legal basis in the changes to village government regulations that aim to improve leadership effectiveness and the sustainability of village development programs. However, this policy also raises various challenges, especially related to aspects of democracy, accountability, and control over the implementation of village government. Without a strict monitoring mechanism, extension of office can increase the risk of abuse of power and reduce community participation in the village government process.
Co-Authors Abdul Rahman Maulana Siregar Henny Simarmata Sari, Karima