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Dewi Hanggraeni
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Operational Risk and Bank Profitability: Analyzing BOPO and Efficiency Ratios in Indonesian Commercial Banks Panji Irawan; Evita Damayanti; Riza Putri Pratama; Lina Denita Siagian; Dewi Hanggraeni
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6775

Abstract

The banking industry has a crucial role in the financial stability of a country. In this context, operational risk management is an important factor that affects the profitability of banks. This study aims to analyze the relationship between operational risk, which is measured using Operating Costs to Operating Income (BOPO) and Efficiency Ratio, on the profitability of commercial banks in Indonesia represented by Return on Assets (ROA). This study uses panel data from 49 commercial banks in Indonesia during the period Q3 2012 to Q3 2024. The analysis was carried out using  the Ordinary Least Squares (OLS), Fixed Effects, and Random Effects methods  to identify the impact of operational risks on profitability. The results show that BOPO and Efficiency Ratio have a significant negative influence on ROA. This indicates that increased operational risk, both through cost efficiency and asset efficiency, can reduce bank profitability. In addition, macroeconomic variables such as Gross Domestic Product (GDP) and bank-specific variables such as Non-Performing Loans (NPLs) were also found to have a significant effect on ROA. This study emphasizes the importance of implementing effective operational risk management strategies to improve bank financial performance. This study contributes by providing empirical evidence on the relationship between operational risk and profitability in the context of Indonesian banking, and offers recommendations for strengthening operational risk management through cost efficiency, regulatory compliance, and strengthening internal oversight.
The Influence of ESG on Operational Risk of Bank Issuers in Indonesia for the Period of 2019 – 2023 Rizky Jati Mukti; Handi Handi; Kresna Nuswantoro; Jemitra Jemitra; Dewi Hanggraeni
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6777

Abstract

This study investigates the relationship between environmental, social, and governance (ESG) scores and operational risk of banks in Indonesia. Using panel data from 17 bank issuers in Indonesia during the period 2019–2023 with a dynamic panel regression approach, the results showed that ESG scores did not have a significant influence on operational risk, although the coefficients showed indications of a negative relationship. These findings reflect the limited implementation of ESG in Indonesia's banking sector and the lack of uniform reporting standards and supporting infrastructure. In contrast, internal variables such as bank size (SIZE), profitability (ROA), and equity (ROE) show a significant relationship with operational risk. Bank size is negatively correlated with operational risk, while profitability shows a significant positive correlation. This study provides new insights into the importance of managing internal factors in mitigating operational risks, as well as highlighting the need to strengthen ESG regulations in Indonesia to improve the sustainability of the banking sector
Operational Risk and Bank Profitability: Analyzing BOPO and Efficiency Ratios in Indonesian Commercial Banks Panji Irawan; Evita Damayanti; Riza Putri Pratama; Lina Denita Siagian; Dewi Hanggraeni
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6775

Abstract

The banking industry has a crucial role in the financial stability of a country. In this context, operational risk management is an important factor that affects the profitability of banks. This study aims to analyze the relationship between operational risk, which is measured using Operating Costs to Operating Income (BOPO) and Efficiency Ratio, on the profitability of commercial banks in Indonesia represented by Return on Assets (ROA). This study uses panel data from 49 commercial banks in Indonesia during the period Q3 2012 to Q3 2024. The analysis was carried out using  the Ordinary Least Squares (OLS), Fixed Effects, and Random Effects methods  to identify the impact of operational risks on profitability. The results show that BOPO and Efficiency Ratio have a significant negative influence on ROA. This indicates that increased operational risk, both through cost efficiency and asset efficiency, can reduce bank profitability. In addition, macroeconomic variables such as Gross Domestic Product (GDP) and bank-specific variables such as Non-Performing Loans (NPLs) were also found to have a significant effect on ROA. This study emphasizes the importance of implementing effective operational risk management strategies to improve bank financial performance. This study contributes by providing empirical evidence on the relationship between operational risk and profitability in the context of Indonesian banking, and offers recommendations for strengthening operational risk management through cost efficiency, regulatory compliance, and strengthening internal oversight.
The Influence of ESG on Operational Risk of Bank Issuers in Indonesia for the Period of 2019 – 2023 Rizky Jati Mukti; Handi Handi; Kresna Nuswantoro; Jemitra Jemitra; Dewi Hanggraeni
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6777

Abstract

This study investigates the relationship between environmental, social, and governance (ESG) scores and operational risk of banks in Indonesia. Using panel data from 17 bank issuers in Indonesia during the period 2019–2023 with a dynamic panel regression approach, the results showed that ESG scores did not have a significant influence on operational risk, although the coefficients showed indications of a negative relationship. These findings reflect the limited implementation of ESG in Indonesia's banking sector and the lack of uniform reporting standards and supporting infrastructure. In contrast, internal variables such as bank size (SIZE), profitability (ROA), and equity (ROE) show a significant relationship with operational risk. Bank size is negatively correlated with operational risk, while profitability shows a significant positive correlation. This study provides new insights into the importance of managing internal factors in mitigating operational risks, as well as highlighting the need to strengthen ESG regulations in Indonesia to improve the sustainability of the banking sector
Co-Authors Evita Damayanti Handi Handi Jemitra Jemitra Kresna Nuswantoro Lina Denita Siagian Panji Irawan Riza Putri Pratama Rizky Jati Mukti