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All Journal Journal of Comprehensive Science Journal of Governance Risk Management Compliance and Sustainability
Mido, Muhammad Sardy Sujadi
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Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Analisis Biaya Operasional, Biaya Non Operasional Dan Loan Deposit Ratio (LDR) Terhadap Peningkatan Return On Assets (ROA) Bank Sultra Nur, Muh.; Hapsari, Mirza; Mido, Muhammad Sardy Sujadi; Lisapaly, David C.E.
Journal of Comprehensive Science Vol. 4 No. 4 (2025): Journal of Comprehensive Science (JCS)
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v4i4.3124

Abstract

Penelitian ini bertujuan untuk mengetahui, menguji dan menganalisis: (1) Pengaruh Biaya Operasional, Biaya Non Operasional Dan Loan Deposit Ratio (LDR) Terhadap Return On Assets (ROA)Bank Sultra. (2) Pengaruh Biaya Operasional Terhadap Return On Assets (ROA)Bank Sultra. (3) Pengaruh Biaya Non Operasional Terhadap Return On Assets (ROA)Bank Sultra. (4) Pengaruh Loan Deposit Ratio (LDR) Terhadap Return On Assets (ROA)Bank Sultra. Rancangan penelitian ini adalah penelitian deskriptif kuantitatif, data diperoleh dari Laporan Keuangan Bank Sultra dengan periode waktu tahun 2011 hingga 2020. Jumlah sampel sebanyak 37 amatan, teknik analisis data yang digunakan adalah regresi linier berganda dengan persamaan kuadrat terkecil dan uji hipotesis menggunakan t-statistik untuk menguji koefisien regresi parsial serta F-statistik untuk menguji keberartian pengaruh secara bersama-samadengan tingkat signifikansi 5%. Selain itu juga dilakukan uji asumsi klasik yangmeliputi uji normalitas, uji multikolinearitas, uji heteroskedastisitas dan ujiautokorelasi. Hasil penelitian menunjukkan bahwa variabel: (1) Biaya Operasional, Biaya Non Operasional dan Loan Deposit Ratio (LDR) berpengaruh positif dan signifikan terhadap Return On Asset (ROA) pada Bank Sultra. (2) Biaya Operasional berpengaruh positif dan signifikan terhadap Return On Asset (ROA) pada Bank Sultra. (3) Biaya Non Operasional berpengaruh positif dan signifikan terhadap Return On Asset (ROA) pada Bank Sultra. (4) Loan Deposit Ratio (LDR) berpengaruh positif dan signifikan terhadap Return On Asset (ROA) pada Bank Sultra.Hasil penelitian ini diharapkan bahwa variabel Biaya Operasional, Biaya Non Operasional dan Loan Deposit Ratio (LDR) dapat dijadikan pedoman, baik oleh pihak manajemen perusahaan dalampengelolaan perusahaan, maupun oleh para investor dalam menentukan strategiinvestasi.
Bank Profitability Level Based on Good Corporate Governance, Macroeconomics, and Specific Banks in Foreign Exchange Banks in Indonesia Hasddin, Hasddin; Mido, Muhammad Sardy Sujadi; Melati, Melati; Misnawati, Misnawati; Rama, Muhammad Irfan; Fadli, Andi Muh Dzul; Nartin, Nartin; Mirad, Mirad; Marjani, Marjani; Dahlifah, Dahlifah; Mais, Rimi Gusliana
Journal of Governance Risk Management Compliance and Sustainability Vol. 6 No. 1 (2026): April Volume
Publisher : Center for Risk Management & Sustainability and RSF Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/jgrcs.v6i1.3502

Abstract

This study examines how Good Corporate Governance (GCG), macroeconomic conditions, and bank-specific characteristics influence the profitability of foreign exchange banks in Indonesia. Using a quantitative approach, the research analyzes secondary data from the annual financial statements of foreign exchange banks listed on the Indonesia Stock Exchange over the period 2014–2022. The study investigates the direct effects of GCG on profitability, the influence of macroeconomic factors on bank-specific characteristics and profitability, and the role of bank-specific characteristics in determining profitability. Data were analyzed using partial least squares with a resampling technique to test the significance of relationships. The results show that GCG contributes positively to overall bank financial performance; however, its direct effect on profitability is positive but not statistically significant. Macroeconomic conditions are found to positively affect bank-specific characteristics, while exerting a negative influence on profitability. In contrast, bank-specific characteristics—particularly bank size, total assets, and deposit growth—have a significant and positive impact on profitability. These findings suggest that strengthening governance practices alone is not sufficient to directly increase profitability. Banks also need to improve asset management and expand deposit bases to enhance financial performance. In addition, effective management of macroeconomic risks is essential to reduce their adverse effects on bank profitability. This study provides empirical insights into the interaction between governance, economic conditions, and internal bank factors in Indonesia’s banking sector.
Co-Authors Dahlifah, Dahlifah Fadli, Andi Muh Dzul Hapsari, Mirza Hasddin, Hasddin Lisapaly, David C.E. MARJANI MARJANI, MARJANI Mirad, Mirad Misnawati Misnawati Nartin, Nartin Nur, Muh. Rama, Muhammad Irfan Rimi Gusliana Mais