Article Per Year (5 Year)
p-Index From 2020 - 2025
0.408
P-Index
This Author published in this journals
All Journal Journal of Economics
Nugroho, Muchammad Rio
Unknown Affiliation
Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
ANALISIS EFISIENSI PENERAPAN MANAJEMEN RISIKO TERHADAP KINERJA KEUANGAN PT BANK NEGARA INDONESIA Nugroho, Muchammad Rio; Haq, Muhammad Hadyul; Hakim, Yusril Rahman; Ladi Wajuba Perdini Fisabilillah; Tony Seno Aji
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66076

Abstract

This study aims to analyze the efficiency of risk management implementation on the financial performance of PT Bank Negara Indonesia (Persero) Tbk (BNI) using the Data Envelopment Analysis (DEA) method. The input variables used are Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Operating Expenses to Operating Income (BOPO), while the output variables include Return on Assets (ROA) and Return on Equity (ROE). The research findings indicate that perfect technical efficiency (VRSTE = 1.000) was achieved every year during the study period (2019–2023), while full efficiency (CRSTE = 1.000) was only achieved in 2019, 2022, and 2023. In 2020 and 2021, scale efficiency was low, with an average CRSTE over five years of 0.776, indicating that BNI has not fully achieved optimal efficiency in its risk management. The study concludes by emphasizing the need to improve scale efficiency, particularly in certain years, to achieve more optimal financial performance.
Analisis Efisiensi Kinerja Kelompok Bank Menurut Modal Inti Nugroho, Muchammad Rio; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 5 No 2 (2025): Agustus 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i2.69004

Abstract

This study aims to analyze the performance efficiency of banks categorized under Core Capital Group 1 (KBMI 1) during the 2020–2023 period. Efficiency is measured using the Data Envelopment Analysis (DEA) method through an intermediation approach, where the input variables used are the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR), while the output variables include the amount of loans disbursed and operating income. The results indicate that the efficiency of banks with the smallest core capital is dynamic. Bank Victoria International (BVIC) achieved full efficiency throughout the study period, while Bank IBK Indonesia (AGRS) and Bank Amar Indonesia (AMAR) consistently experienced inefficiency. Other factors influencing bank efficiency include macroeconomic conditions and the readiness for banking digitalization. Banks that are able to adapt to digital transformation tend to operate more efficiently.
Co-Authors Hakim, Yusril Rahman Haq, Muhammad Hadyul Ladi Wajuba Perdini Fisabilillah Tony Seno Aji