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Journal articles on the topic 'Operating Expenses Ratio'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

Indraswari, Arinah, and Endah Nurhawaeny Kardiaty. "PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), BIAYA OPERASIONAL PADA PENDAPATAN OPERASIONAL (BOPO), LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSET (ROA) Pada Bank BUMN Periode 2013 - 2017." Jurnal Proaksi 4, no. 1 (2019): 101–20. http://dx.doi.org/10.32534/jpk.v4i1.581.

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This research has a purposed to provide empirical evidences about the CapitalAdequacy Ratio (CAR), Nonperforming Loans (NPL) , Operating Expenses to Operating Income(BOPO), Loan to Deposit Ratio (LDR) towards profitability (ROA) on state owned bank. Timeperiod uses in this research begin from 2013 until 2017. The analyzed method in this research usesmultiple linear regressions including classical assumption such as normality test, multicolinearitytest, heterocedacity test, and autocorrelation test. The result shown that Operating Expenses toOperating Income (BOPO) variables have positive relat

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Putri, Silvia Utami, and Erly Mulyani. "Pengaruh Cost dan Expense, Solvabilitas, dan Kapasitas Operasi terhadap Kinerja Operasi." JURNAL EKSPLORASI AKUNTANSI 7, no. 1 (2025): 48–65. https://doi.org/10.24036/jea.v7i1.2126.

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This study aims to examine the effect of costs and expenses, solvency, and operating capacity on operating performance. This research uses a causative method with a quantitative approach. This research was conducted on infrastructure companies listed on the Indonesia Stock Exchange in 2019-2023 with the sampling method using purposive sampling technique so that 17 sample companies were obtained. The data analysis technique used is multiple linear regression analysis assisted by SPSS software. The results of this study indicate that costs and expenses proxied using operating expenses have a neg

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SUSMUŞ, Türker, and S. Özgür BAŞLANGIÇ. "Income And Expense Analysis Of Retail Trade Sector Companies Traded On Borsa Istanbul." KnE Social Sciences 1, no. 2 (2017): 357. http://dx.doi.org/10.18502/kss.v1i2.669.

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<p>Retail trade sector is growing rapidly and shows significant improvements in the “World Trade”. This charming sector is expanding and developing in Turkey appropriate to the developments in the world. In particular, population growth, the spread of the use of a credit card, the developments in Turkey’s economy and such other reasons, this sector has made a quite development in recent years.</p><p> </p>There are a total of eight companies operating in the retail trade sector in Borsa (Stock Market) Istanbul. Operating expenses such as; research and development expense

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Lubbe, Sam, Gary Parker, and Andrew Hoard. "The profit impact of IT investment." South African Journal of Business Management 25, no. 2 (1994): 72–77. http://dx.doi.org/10.4102/sajbm.v25i2.845.

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Two models were used to study the relationships between profitability and the level of information technology (IT) sophistication among long-term life insurance companies in South Africa. The first model was submitted by Kwong et al. in a study of six petroleum producing companies in Malaysia. They proposed a computerization index (CI) which incorporated factors that affect the level of computerization in a company and compared the CI with profitability ratios such as profit/total assets, profit/turnover, turnover/total assets, gross margin/turnover, profit growth rate and sales growth rate. T

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Tahmat, Tahmat, Yayan Cahyana, and Emmilya Sabrina Pratiwi. "The Impact of BOPO, ROE and NIM on Corporate Value: An Empirical of Banking Sector in LQ45 Stock." International Journal of Islamic Business and Management Review 3, no. 1 (2023): 90–101. http://dx.doi.org/10.54099/ijibmr.v3i1.418.

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    The purpose of this study is to determine how the development of Operating Expenses to Operating Income, Return On Equity, Net Interest Margin and Price Earning Ratio and how the variable effect of Operating Expenses on Operating Income, Return On Equity, and Net Interest Margin partially and simultaneously on the Company Value proxied by PER ( Price Earning Ratio). The method used in this research is descriptive quantitative with multiple linear regression analysis. The results showed that the variables Operating Expenses to Operating Income, Return On Equity parti

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Venkateswararao.Podile. "Profitability Analysis of A Large Enterprise - A Case study of Tulasi Seeds Private Limited." RESEARCH REVIEW International Journal of Multidisciplinary 03, no. 10 (2018): 468–74. https://doi.org/10.5281/zenodo.1467838.

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Owners and Managers are naturally interested in financial soundness of their Business Enterprise. Financial soundness can be measured in terms of operating efficiency. Operating efficiency of an enterprise means its ability to earn adequate returns to owners and depends ultimately on the profits earned by the enterprise. The profitability of an enterprise is measured by profitability ratios. In this paper, an attempt is made to do Profitability Analysis of Tulasi Seeds Private Limited. Tulasi Seeds Private Limited is a flagship company in Tulasi group of companies. Tulasi Seeds Private Limited

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Yakub, Nathania Rebecca, and Murtanto Murtanto. "PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, NON-PERFORMING LOAN, BEBAN OPERASIONAL PENDAPATAN OPERASIONAL DAN NET INTEREST MARGIN TERHADAP PROFITABILITAS." EBID:Ekonomi Bisnis Digital 2, no. 1 (2024): 137–46. http://dx.doi.org/10.37365/ebid.v2i1.289.

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Research has the intention of testing the influence of capital adequacy ratio, loan to deposit ratio, non-performing loans, operating expense operating revenue and net interest margin on the profitability of banking companies. This research collects data using financial reports and annual reports from 2021 to 2023 on banking companies listed on the Indonesia Stock Exchange. The number of samples used in the research was 34 banking companies. Descriptive statistical analysis and multiple regression analysis are used as analysis methods. The results show that capital adequacy ratio and net inter

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Lubbe, Sam, Gary Parker, and Andrew Hoard. "The Profit Impact of IT Investment." Journal of Information Technology 10, no. 1 (1995): 44–51. http://dx.doi.org/10.1177/026839629501000106.

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Two models were used to study the relationships between profitability and the level of information technology (IT) among long-term life insurance companies. The first compared the computerization index (CI) with profitability ratios. The second used the operating expense ratio (profitability measure) and the IT expense ratio to measure the level of IT capital intensity. The results of the present study showed a positive correlation between the CI and the financial ratios and the most profitable firms are more likely to spend a higher proportion of their non-interest operating expenses on IT.

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Sharma, Kamal Prasad. "Effects of Non-Performing Loan and Operational Efficiency on Profitability of Nepalese Commercial Banks." Resunga Journal रेसुङ्गा जर्नल 3, no. 1 (2024): 51–77. http://dx.doi.org/10.3126/resungaj.v3i1.65881.

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This study examines the effects of non-performing loan and operational efficiency on profitability of Nepalese commercial banks. Return on asset and return on equity are selected as the dependent variables. Similarly, loan to deposit ratio, capital adequacy, loan loss provision, non-performing loan, operating income and operating expenses are selected as the independent variables. This study is based on secondary data of 15 commercial banks with 105 observations for the study period from 2015/16 to 2021/22. The data were collected from Banking and Financial Statistics published by Nepal Rastra

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Merry, Merry, Yusuf Ronny Edward, H. Adam Afiezan, and Aremi Evanta Tarigan. "The Effect of Non-Performing Loans, Loan to Deposit Ratios of Operating Expenses and Operating Income On Return on Assets with Net Interest Margin as an Intervening Variable in Banking Companies Listed in Indonesia Stock Exchange Period 2019 -2021." International Journal of Social Science Research and Review 5, no. 10 (2022): 381–96. http://dx.doi.org/10.47814/ijssrr.v5i10.578.

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The banking sector is a state financial institution that has an important role in collecting and distributing funds to the public, with the aim of meeting capital and investment needs for fund owners. So this study was conducted for the purpose of knowing the extent of the influence of certain financial ratios such as Non Performing Loan, Loan to Deposit Ratio, operating expenses operating income to Return on assets with Net Interset Margin as an Intervening variable in banking companies listed on the Indonesia Stock Exchange for the period 2019-2021. This research method uses secondary data.

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Hafidhah, Hafidhah, and Dayana Putri Utami. "Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio dan Operating Expenses To Operating Income Terhadap Profitabilitas Bank Aceh Periode 2017-2020." Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam 2, no. 2 (2021): 81–95. http://dx.doi.org/10.22373/jimebis.v2i2.184.

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This study aims to examine the effect of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), and Operating Expenses to Operating Income (OEOI) on the profitability of Bank Aceh. This study uses a quantitative research approach with Multiple Linear Regression analysis method. This research data uses Bank Aceh monthly financial report data for the 2017-2020 period. Research data obtained by testing the hypothesis performed by statistical tests, namely partial test (t-test) and simultaneous test (f-test). The results of this study indicate that: (1) Third Party Funds, Capital Adequacy Ratio an

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Safitri, Ayu, and Zaky Machmuddah. "Operating Expenses Operating Income Impact on Financial Performance Conventional Banks in Indonesia." Journal of Applied Accounting and Taxation 10, no. 1 (2025): 161–67. https://doi.org/10.30871/jaat.v10i1.8938.

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This study aims to empirically prove the moderating role of Loan to Deposit Ratio (LDR) on the effect of Capital Adequacy Ratio (CAR) and Operating Cost of Operating Income (BOPO) on financial performance and proxied by Return on Assets (ROA). All banks in Indonesia are the population of this study. The sample is only of conventional banks that meet the specified criteria. WarpPLS version 7.0 was used as the data analysis tool. The results of this study show that only BOPO has an impact on ROA. CAR does not affect ROA, and LDR has no moderating effect on the relationship. This study implies th

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Suryadi, Abdul Aziz, Risal Rinofah, and Pristin Prima Sari. "Analisis CAR, NPL, BOPO dan LDR terhadap Profitabilitas." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 4, no. 4 (2022): 1032–49. http://dx.doi.org/10.47467/alkharaj.v4i4.775.

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This research aimed to examine the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL),Operating Expenses Operating Income (BOPO) and Loan to Deposite Ratio (LDR) ratios on profitability (ROA). This type of research is quantitative research. The sample selection method in this research used purposive sampling method. The sample used was 20 of 45 banking companies listed on the Indonesia Stock Exchange with the periode 2016-2020. The analytical method used was multiple linear regression analysis using the SPSS version 22 program. The result showed that the Capital Adequacy Ratio (

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Call, Steven, Jake Smithwick, and Kenneth Sullivan. "A Ratio Model for Benchmarking and Forecasting Hospital Facility Operating Expenses in Washington State: Plant, Property, and Equipment as a Key Metric." Journal of Facility Management Education and Research 5, no. 1 (2022): 22–27. http://dx.doi.org/10.22361/2474-6630-5.1.22.

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ABSTRACT The purpose of this research is to evaluate the feasibility of using ratios between common hospital utilization, or financial metrics, and facility operating expenses as a model for budget forecasting and benchmarking. The researchers reviewed each U.S. state's department of health website for the availability of hospital utilization reports, and financial statements, and assessed the strength of association between these metrics and hospital facility operating expenses. Although many states report some hospital utilization and financial metrics to the public, Washington was the only

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Rahayu, Krida Puji, and Rudi Sanjaya. "PENGARUH LOAN TO DEPOSIT RATIO DAN BEBAN OPERATIONAL PER PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSET PADA PT. BANK MEGA Tbk YANG TERCATAT DI BURSA EFEK INDONESIA (BEI)." Research Journal of Accounting and Business Management 5, no. 2 (2022): 138. http://dx.doi.org/10.31293/rjabm.v5i2.5700.

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The purpose of this study was to determine the effect of Loan to Deposit Ratio (LDR) and Operating Expenses per Operating Income (BOPO) on Return On Assets (ROA) at PT. Bank Mega Tbk in 2010-2019. This study uses secondary data obtained through documentation in the form of annual financial reports from PT. Bank Mega Tbk, officially accessed from www.bankmega.com Data analysis was carried out using Descriptive Analysis, Classical Assumption Test consisting of Normality Test; Non-Multicollinearity Test; Non Heteroscedasticity Test; and Non-Autocorrelation Test, Model Feasibility Test consisting

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Sulasmy, Widiya, and Niken Wahyu Cahyaningtyas. "Analisis Pengaruh Operating Expenses to Operating Income (Rasio Bopo), Cost Efficiency Ratio dan Non Performing Loan Terhadap Net Profit Margin Pada Perbankan di Bursa Efek Indonesia Periode Tahun 2015-2019." Konsentrasi: Jurnal Manajemen dan Bisnis 2, no. 1 (2021): 47–55. http://dx.doi.org/10.24905/konsentrasi.v2i1.23.

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The aims of this research are: 1). Analyzing the effect of operating expenses to operating income (BOPO ratio) on the net profit margin, 2). Analyzing the effect of the cost efficiency ratio on the net profit margin, 3). Analyzing the effect of non-performing loans on the net profit margin, 4). Analyzing the effect of operating expenses to operating income (BOPO ratio), cost efficiency ratio and non-performing loans simultaneously on the net profit margin. The research method used in this research is descriptive and associative or relationship research. While the data analysis method used is d

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Fatriawati, Ernita. "Factors Affecting Loan to Deposit Ratio at Regional Development Banks in Indonesia." ProBisnis : Jurnal Manajemen 12, no. 2 (2021): 31–38. http://dx.doi.org/10.35335/probisnis.v12i2.20.

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The purpose of this study was to analyze the effect of Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non-performing loans (NPLs), Net Interest Margin (NIM ), and Operating Expenses to Operating Income (OEOI) of the Loan to Deposit Ratio (LDR) to the Regional Development Bank in Indonesia. Population and sample in this research is the Regional Development Bank (BPD) in Indonesia, which is registered in the Financial Services Authority 2011-2016 period as many as 26 banks. The samples in this study using saturated sampling. The data analysis technique used is descriptive statistical anal

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Anwar, Vebby. "ANALISIS KOMPARASI FAKTOR-FAKTOR YANG MEMPENGARUHI LABA SEBELUM PAJAK PADA BANK PEMERINTAH." Bongaya Journal for Research in Management (BJRM) 1, no. 2 (2018): 09–17. http://dx.doi.org/10.37888/bjrm.v1i2.74.

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The purpose of this study was to determine 1) the image of profit beforetax, net interest margin, loan to deposit ratio, asset quality and operating expenses/ operating income state bank listed on the Indonesia Stock Exchange. 2) analyzethe differences in income before taxes, net interest margin, loan to deposit ratio,asset quality and operating expenses / operating income state bank listed on theIndonesia Stock Exchange. The population in this study are all listed in theGovernment Bank Stock Exchange Bank Indonesia as much as 4. The samplingtechnique used proposive sampling. The analytical me

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Aritonang, Lamria, Ninta Katharina, and Eko Deswin Miecaels Siringo-Ringo. "The Effect of Third Party Funds, Return on Assets, Loan to Deposit Ratio, Capital Adequacy Ratio, Operating Expenses and Operating Income on Credit Distribution in Banking Companies Listed on the Indonesia Stock Exchange." International Journal of Education, Management, and Technology 3, no. 1 (2025): 166–86. https://doi.org/10.58578/ijemt.v3i1.4686.

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This study aims to determine whether third party funds, return on assets, loan to deposit ratio, capital adequacy ratio and operating expenses of operating income affect the distribution of banking credit. This study is a quantitative study. Sampling was carried out using purposive sampling, therefore there are 26 banking companies included in this category. The hypothesis of this study was tested using multiple linear regression. The results of the study describe various results. The conclusion of the study is that third party funds have an influence on the distribution of banking credit and

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Febriani, Elsa Nadiya. "Faktor Penentu Return on Asset pada Bank Umum Syariah: Capital Adequacy Ratio, Operating Expenses Operating Income dan Identitas Etika Islam." JIEF Journal of Islamic Economics and Finance 5, no. 1 (2025): 22–34. https://doi.org/10.28918/jief.v5i1.10627.

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Banking financial institutions are aspects that play an important role in increasing the scale of the economy in Indonesia, one of which is Islamic banking financial institutions. This study aims to analyze the influence of the capital adequacy ratio, operating expenses, operating income, and Islamic ethical identity on financial performance.This study uses a descriptive research type with a quantitative approach. The population of this study is Islamic commercial banks listed on the Indonesian Stock Exchange in 2018-2022. The sample determination used the purposive sampling method and obtaine

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Veronika Fransiska and Indra Siswanti. "Determinants Of Capital Adequacy Ratio Empirical Study of Banks Listed On The Indonesian Stock Exchange For The Period 2017 – 2022." International Journal of Economics, Accounting and Management 1, no. 3 (2024): 161–75. https://doi.org/10.60076/ijeam.v1i3.704.

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This study aims to determine the effect of bank size, loan to deposit ratio, operating expenses on operating income, return on assets and non-performing loans on capital adequacy ratio. This research was conducted at commercial banks listed on the Indonesia Stock Exchange for the period 2017-2022. The population in this study were 46 commercial banks. The sampling technique used in this study was purposive sampling, thus the sample used was 39 samples. The data were analyzed using panel data regression. The results showed that bank size has a positive and significant effect on capital adequacy

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Fransisca, Dhea, Sri Wahyuni, Eko Hariyanto, and Ani Kusbandiyah. "Factors Affecting the Financial Performance in the Banking Sector Listed on the Indonesia Stock Exchange." Asian Journal of Management Analytics 2, no. 1 (2023): 1–12. http://dx.doi.org/10.55927/ajma.v2i1.2332.

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This study aims to examine the effect of Third Party Funds, Operating Expenses Operating Income, Capital Adequacy Ratio, Loan to Deposit Ratio and Firm Size on Financial Performance in the Banking Sector Listed on the Indonesia Stock Exchange. The analytical method used is multiple linear regression. The population of this study are Commercial Banks listed on the Indonesia Stock Exchange in 2019-2021. The data used in this study is secondary data with the selection of samples using purposive sampling method. The results of the study state that the variables of Third Party Funds, Operating Expe

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Liswan Rusman, Rosfianti M Yadasang, and Umar. "Analysis of the Influence of Good Corporate Governance, Profitability, Price Earning Ratio, Operating Expenses and Operating Income on Corporate Social Responsibility in Manufacturing Companies Listed on the Indonesia Stock Exchange in 2017-2021." International Journal of Health, Economics, and Social Sciences (IJHESS) 5, no. 3 (2023): 239–41. http://dx.doi.org/10.56338/ijhess.v5i3.3802.

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The purpose of this research is to prove the influence of Good Corporate Governance, Profitability, Price Earnings Ratio, Operating Expenses and Operating Income on Corporate Social Responsibility partially and simultaneously. The type of research data used is descriptive quantitative data. While the data source used is secondary data obtained through the website www.idx.co.id. The population in this study are manufacturing companies listed on the Indonesia Stock Exchange in 2017-2021. The sample was selected using a purposive sampling technique and obtained 40 companies with 200 research samp

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Rohani, Siti, Yulfiswandi Yulfiswandi, Herman Eka Putra, and Herliyanti Sanjaya. "PERAN MANAJER TERHADAP KINERJA KEUANGAN PADA BANK RAKYAT INDONESIA TBK." Journal of Global Business and Management Review 4, no. 2 (2022): 83. http://dx.doi.org/10.37253/jgbmr.v4i2.7318.

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The research we conducted to analyze the role of managers in improving financial performance at PT. Bank Rakyat Indonesia Tbk. in 2017 to 2021. The population in this study is PT. Bank Rakyat Indonesia Tbk. The research method used is documents and literature. To measure financial performance here, researchers use ratio calculations, namely ROA (Return On Assets), ROE (Return On Equity), NIM (Net Interest Margin), BOPO. To find out the ROA (Return On Assets) ratio, net profit after tax and income is required. As for calculating the ROE (Return On Equity) net profit ratio needed after interest

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Wahyu, Sri Handayani, and Nursiam. "Analysis of the Effect of Operating Expenses on Operating Income (BOPO), Return on Assets (ROA), Return on Equity (ROE), on Loan to Deposit Ratio (LDR) at Bank Mandiri in 2014-2021." International Journal of Business Management and Technology 7, no. 1 (2023): 25–34. https://doi.org/10.5281/zenodo.7687919.

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The purpose of this study is to analyze and find empirical evidence whether Operating Expenses on Operating Income (BOPO), Return on Assets (ROA), and Return on Equity (ROE) have an effect on the Loan to Deposit Ratio (LDR). The population in this study are financial reports issued by Bank Mandiri for 2014-2021, in which a sample of 32 data was taken using purposive sampling. Based on tests carried out with the help of the SPSS software program version 25, the results of this study state that Operating Expenses to Operating Income (BOPO), Return on Assets (ROA) andReturn on Equity (ROE) have a

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Siti Adifatun Amanah, Suryani Sri Lestari, and Atif Windawati. "Indonesian Islamic Comercial Banks Profitability: Role of Murabahah Financing, Musyarakah Financing, NPF, and BOPO." EkBis: Jurnal Ekonomi dan Bisnis 7, no. 2 (2022): 92–113. http://dx.doi.org/10.14421/ekbis.2023.7.2.2016.

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This study to analyze the significance of the effect of Murabahah Financing, Musyarakah Financing, Non-Performing Financing (NPF), and Operating Expenses on Operating Income (BOPO) on Profitability at Islamic Commercial Banks in Indonesia for the 2018-2022 period. We employ 6 (six) Islamic Commercial Banks in Indonesia for the 2018-2022 period, which were selected using Purposive Sampling technique. The analysis model used in this research is the Multiple Linear Regression Analysis Model processed with the SPSS 26.00 program. The results of hypothesis proving and discussion show that the effec

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Marlina, Reni. "Determinants of capital adequacy ratio bank in Indonesia." JBFEM 6, no. 2 (2023): 87–96. http://dx.doi.org/10.32770/jbfem.vol687-96.

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Banking as a delegate establishment assumes a significant part in the economy and performs well and is sounds. The Capital Adequacy Ratio (CAR) is a measure of how important capital is to banking. OJK has set a new classification for banks based on their core capital. The objective of this research is to ascertain the factors that influence the Capital Adequacy Ratio (CAR) of Indonesian stock exchange-listed banks. The multiple linear regression approach is utilized in this study. The Capital Adequacy Ratio (CAR) is the dependent variable, and the Return on Assets, Loan-to-Deposit Ratio, Net I

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Pandiangan, Deka Gustina, Ihsan Effendi, and Adelina Lubis. "Analisis Perbandingan Kinerja Keuangan Bank dalam Masa Pandemi Covid 19." Economics, Business and Management Science Journal 2, no. 1 (2022): 49–56. http://dx.doi.org/10.34007/ebmsj.v2i1.228.

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During the pandemic period, the banking industry is expected to have an impact on the economic waves that occurred in Indonesia. The Indonesian financial system can be distinguished from conventional and Islamic financial systems. This study aims to determine the differences in the ratios of Islamic Commercial Banks (BUS) and Conventional Commercial Banks, including Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Return ON Assets (ROA), Operating Expenses and Operating Income (BOPO) and Loans. to Deposit Ratio (LDR) for the last 4 years. Comparison of the performance of financial rat

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Dang, Ngoc Hung, Thi Viet Ha Hoang, and Manh Dung Tran. "Impact of Cost Control on Business Efficiency of Small and Medium Sized Enterprises in Thai Binh, Vietnam." International Finance and Banking 4, no. 2 (2017): 112. http://dx.doi.org/10.5296/ifb.v4i2.12030.

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This study is conducted for investigating the impact of cost control on business efficiency of small and medium-sized enterprises (SMEs) in the area of Thai Binh, Vietnam for the period from 2012 to 2014. Impacting factors were built and verified on business efficiency of SMEs including (i) Cost of goods sold ratio, (ii) Financial expense ratio, (iii) Administration expense ratio, (iv) Firm size, (v) Financial leverage, (vi) Assets structure, and on Pre-tax return on sales ratio and Pre-tax return on assets ratio. The study employed regression models of OLS, FEM, REM and GLS with multi-year da

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Wijaya, Erric, and Muhammad Reyhan. "Analisis Laporan Keuangan Bank terhadap Return Saham pada Bank Umum Swasta Nasional Devisa Periode 2011—2015." Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) 3, no. 1 (2019): 16. http://dx.doi.org/10.35384/jemp.v3i1.114.

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The purpose of this study was to determine and analyze the effect of bank financial report using variable Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Return On Asset (ROA), and Operating Income Operating Expenses (OIOE/BOPO) toward a stock return in a conventional bank. The sample selection using purposive sampling method and a sample of this research are as many as 18 national private commercial bank foreign exchange in Indonesia. Data obtained from secondary data in annual reports of a bank in Indonesia Stock Exchange sites. The analysis technique used in this research is mult

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Juliani, Meily. "Analisis Faktor Spesifik Bank Terhadap Non Performing Loan Pada Bank Umum Konvensional Yang Terdaftar Di Bursa Efek Indonesia." Owner 6, no. 1 (2022): 43–55. http://dx.doi.org/10.33395/owner.v6i1.569.

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The purpose of this research is to analyze the effect of bank specific factors on non-performing loan on public conventional banks. The dependent variable studied was the non-performing loan and independent variables examined were capital adequacy ratio, bank size, loan to deposit ratio, net interest margin, return on equity, operating expenses to operating income, and earning per share. The secondary data obtained from the annual reports submitted in the IDX. Sample consist of 32 public conventional banks listed in IDX in the period of 2012-2017. The result of this study indicate that bank si

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Islamiyah, Dina, and Sukaris Sukaris. "The Influence of Loan yo Deposite Ratio, Operational Costs and Operational Revenue, Non Performing Loans on Profitability In Banking Companies Listed on The Indonesia Stock Exchange." Journal Universitas Muhammadiyah Gresik Engineering, Social Science, and Health International Conference (UMGESHIC) 2, no. 1 (2023): 8. http://dx.doi.org/10.30587/umgeshic.v2i1.5132.

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Profitability is a ratio to assess a company's ability to achieve profits. This ratio also provides a measure of the level of effectiveness of a company's management. This is indicated by the profit generated from sales and investment income. To look at the effect of Loan to Deposit Ratio (LDR), Operating Expenses and Operating Income (BOPO), and Non Performing Loan (NPL) on Return On Assets (ROA) on banking companies listed on the Indonesia Stock Exchange (IDX ). The type of research used is the type of quantitative research and the analysis of data uses statistics and the research is in the

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Arsana, I. Nengah. "Financial Distress Predictionin Rural Banks in Indonesia: Pressure Ratio, Intermediation, and Efficiency." Jurnal Ilmiah Akuntansi Kesatuan 13, no. 3 (2025): 591–602. https://doi.org/10.37641/jiakes.v13i3.3491.

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This study investigates the impact of financial institution pressure ratios, intermediation, and efficiency on financial distress in Rural banks in Indonesia, vital for economic stability due to their role in serving underserved communities. The objective is to analyze how Non-Performing Loans, Capital Adequacy Ratio, Liquid Assets to Total Assets, Loan to Deposit Ratio, Net Interest Margin, and Operating Expenses to Operating Income influence financial distress, measured by the Interest Coverage Ratio. The research uses data from 639 Rural banks over 2014–2023, totaling 6,390 observations, so

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Costa Boreel, Jefri Thomi da, Mintarti Ariani, and Bambang Budiarto. "ANALISIS KINERJA KEUANGAN BANK UMUM KONVENSIONAL DENGAN ASET TERENDAH DI INDONESIA PERIODE 2014-2017." Jurnal Ekonomi dan Bisnis 23, no. 1 (2019): 19–28. http://dx.doi.org/10.24123/jeb.v23i1.2008.

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This research aims to analyze the payback or Return on Assets (ROA) which has very significant effect against the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operatingexpenses against the operating income (BOPO). This research uses population of 13 commercial banks with the lowest accounting assets in Indonesia for 2014-2017 period. In this research, the secondary data is taken in the form of the financialstatements of the bank starting from 2014 until 2017. Technique of data analysis in this study uses regression analysi

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Arzu, Özmerdivanlı. "Analysis of The Financial Performance of Companies Listed in The ISE Financial Leasing and Factoring Index by Using the ENTROPY-Based ARAS Method." Premium e-Journal of Social Sciences (Pejoss) 9, no. 51 (2025): 147–57. https://doi.org/10.5281/zenodo.14975888.

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This study aims to analyze companies listed in the ISE Financial Leasing and Factoring Index. In this context, the financial performances of seven companies were analyzed for the 2020-2024 period using financial statement data. The key financial ratios considered include operating income/operating expenses, other operating income/other operating expenses, net profit/total assets, net profit/total equity, total liabilities/total assets, non-performing loans/total assets, leasing or factoring receivables/total equity, and financing expenses/total liabilities. These ratios were analyzed using the

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Sasongko, Hendro, and Nancy Yusnita. "The Influence of Productive Asset Quality, Loan to Deposit Ratio, Non Performing Loan, and Operating Expenses to Operating Income on Profit with Capital Adequacy Ratio as Moderating Variable in Indonesian Banking." Jurnal Manajemen dan Keuangan 12, no. 1 (2023): 141–63. http://dx.doi.org/10.33059/jmk.v12i1.7455.

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Banking has an important role in the economy and has a function as an agent of trust, agent of development, and agent of services. In creating a healthy banking system, Bank Indonesia issued a program to strengthen national banking to strengthen capital in order to improve the ability of banks to manage business and risk. The purpose of this study was to analyze the effect of earning asset quality, loan to deposit ratio, non-performing loans, and operating expenses on operating profit with the capital adequacy ratio as a moderating variable in Indonesian banking. The sample selection was carri

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Festiani, Eva Ratna. "Analisis Pengaruh Rasio CAR, NPF, BOPO, ROA dan FDR terhadap tingkat Kesehatan Bank Umum Syariah di Indonesia." El Dinar 4, no. 2 (2018): 196. http://dx.doi.org/10.18860/ed.v4i2.5462.

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<p>This study aims to analyse the influence of the ratio of capital Adequacy Ratio, NPF, BOPO, ROA dan FDR againts Islamic Commercial bank soundness. This research is a quantitative study using secondary data obtained from the annual reports in Indonesian Iskamic Banks published by Bank Indonesia and the data bank health ratings obtained from annual reports of Islamic Banks and bank info research. Thus, the sample used by 11 Islamic Banks. This study use a model of ordinal Logit Regression analysis to analyze the effect of the ratio Of Capital adequacy Ratio, NPF, BOPO, ROA and FDR. The

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Djazuli, Abid, and Mister Candera. "Moderating Effect of Inflation on the Influence of Financial Performance on the Growth of Islamic Banking in Indonesia." International Journal of Finance Research 1, no. 2 (2021): 124–43. http://dx.doi.org/10.47747/ijfr.v1i2.259.

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Islamic banking is one of the financial institutions whose activities are financial intermediation between the owners of capital and those who need capital. This study was conducted to know and analyze the impact of inflation as a moderating influence of financial performance on the growth of Islamic banking in Indonesia. The financial performance used consists of return on assets (ROA), non-performing financing (NPF), net operating margin (NOM), capital adequacy ratio (CAR), financing to Deposit Ratio (FDR), and operating expenses for operating income (BOPO). The data used is secondary data,

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Hanifah Anisya Yualita, Anzu Elvia Zahara, and Nurfitri Martaliah. "Pengaruh Perkembangan Bank Syariah sebelum dan Saat Covid-19." Islamic Economics and Finance Journal 2, no. 2 (2023): 114–27. https://doi.org/10.55657/iefj.v2i2.90.

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This study aims to determine the difference between the Non-Performing Financing (NPF) ratio and the Ratio of Operating Income to Operating Expenses (BOPO) in Islamic Banks before and during Covid-19. The type of research used in this study is a descriptive type of research with a quantitative approach, the object of this study is Non-Perfoming Financing (NPF) as a variable (X1) and Operating Expenses Operating Income (BOPO) as a variable (X2). The time of this study was conducted from September 2, 2022 to September 14, 2022. The data source used in this study is secondary data sourced from th

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Edy Jumady, Bungatang,. "Banking Financial Performance: Mitigation Forms, Efficiency, Capabilities and Debt." Jurnal Akuntansi 25, no. 2 (2021): 330. http://dx.doi.org/10.24912/ja.v25i2.813.

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This study aims to examine how the Capital Adequacy Ratio (CAR), Operating Expenses Operating Income (OEOI), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) affect the profitability of Return on Assets (ROA). The object of this research is that conventional commercial banks are chosen because they have a relatively rapid growth compared to Islamic commercial banks. This type of research includes causal research using quantitative methods. The population of this study is banking companies registered in the Indonesia Banking Directory and the 2018-2020 Bank Indonesia monthly publicati

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Chen, Huafeng (Jason), Jason V. Chen, Feng Li, and Pengfei Li. "Measuring Operating Leverage." Review of Asset Pricing Studies 12, no. 1 (2021): 112–54. http://dx.doi.org/10.1093/rapstu/raab025.

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Abstract We examine a simple measure of operating leverage: the ratio of fixed costs (measured by depreciation and amortization plus selling, general, and administrative expenses) to the market (or book) value of assets. We find that this measure of operating leverage positively predicts returns. This operating leverage measure is not explained by common factors and performs better than the traditional measures of operating leverage. Furthermore, an exploratory two-factor model with the operating leverage factor works at least as well as, but does not subsume, the Fama and French five-factor m

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Dina, Hastalona. "Analysis of Corporate Social Responsibility and Ratio of Bank's Health on Banking Financial Performance." International Journal of Research and Review 7, no. 6 (2020): 96–105. https://doi.org/10.5281/zenodo.3952126.

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This study aims to look at the effect of Corporate Social Responsibility (CSR) and Interest Rate Risk (IRR), Non Performing Loans (NPL), Loans to Deposit Ratio (LDR), Net Interest Margin (NIM), Operational Expenses and Operating Income (BOPO), Capital Adequacy Ratio (CAR) Against Return On Assets (ROA). This research is associative in nature and the type of data used is secondary data. Data obtained from foreign exchange bank financial statements that have been published on the Indonesia Stock Exchange. The sample of this study amounted to 30 Foreign Exchange Banks. The technique used is multi

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Palupi, Albertha Daisy Arya, and Fika Azmi. "Faktor-Faktor yang Mempengaruhi Non Performing Loan pada Perbankan di Indonesia." Indicators : Journal of Economic and Business 1, no. 2 (2019): 119–30. http://dx.doi.org/10.47729/indicators.v1i2.35.

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This study aims to examine the internal and external factors that influence Non-Performing Loans in banks in Indonesia. Internal factors consist of Loan to Deposit Ratio, Operating Expenses for Operating Income, Prime Lending Rate. Meanwhile external factors consist of inflation and exchange rates. The sample in this study is Bank Umum Swasta Nasional Devisa listed on the Indonesia Stock Exchange. The sampling technique uses purposive sampling method. Data samples obtained were 84 data from 21 Bank Umum Swasta Nasional Devisa. Analysis of research data using multiple linear regression processe

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Hasibuan, Anni Aisyah, Zulpahmi Zulpahmi, Nur Wahyudin, and Azza Nurlaila. "The Effect Of Financing To Deposit Ratio (FDR), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operating Expenses And Operating Income (BOPO) On ROA In Islamic Commercial Ban." AL-FALAH : Journal of Islamic Economics 7, no. 2 (2022): 289. http://dx.doi.org/10.29240/alfalah.v7i2.5395.

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Purpose: The purpose of this research is to analyze the influence of Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operating Expenses and Operating Income (BOPO) on Return On Assets (ROA) during the period of 2015-2021 Syariah banks in Indonesia.Design/Method/Approach : . This research is a quantitative study on the population of Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK). The data used for this research were obtained from the data of the Annual Published Financial Report Period 2015 up to 2021.

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Hamun, Mirdal Nobel, Fitria Husnatarina, and Hendrian Hendrian. "Analisis Pengaruh Rasio Keuangan Terhadap Harga Saham Perusahaan Perbankan Di Bursa Efek Indonesia (Tahun 2011 – 2023)." Syntax Literate ; Jurnal Ilmiah Indonesia 9, no. 11 (2024): 6829–43. http://dx.doi.org/10.36418/syntax-literate.v9i11.51678.

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Penelitian ini bertujuan untuk menganalisis pengaruh rasio keuangan terhadap harga saham perusahaan perbankan yang tercatat di Bursa Efek Indonesia selama periode 2011-2023. Rasio keuangan yang diperiksa meliputi Quick Ratio (QR), Loan to Deposit Ratio (LDR), Loan to Assets Ratio (LAR), Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin (NPM), Operating Expenses to Operating Income (BOPO), Capital Adequacy Ratio (CAR), dan Debt to Equity Ratio (DER). Dengan menggunakan analisis regresi linier berganda, hasil menunjukkan bahwa ROA dan NPM memiliki dampak positif dan signifikan te

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Vijayakumar, Dr A., and S. Kadirvelu. "Determinants of Profitability in Indian Public Sector Petroleum Industries." Management and Labour Studies 28, no. 2 (2003): 170–82. http://dx.doi.org/10.1177/0258042x0302800206.

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Profitability is a relative term and its measurement can be achieved by profit and its relation with other objects by which the profit is affected. Actually profitability is highly sensitive economic variable which is affected by a host of factors operating through a variety of ways. The present study is a step to find the effect of certain major variables which affecting the profitability of Indian Public Sector Petroleum Industries. In this industry the selected variables explains 93% of the variation in profitability of the firms included in this industry. It is evident from the results tha

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Dara, Anugerah Zainidan Syahbani, Muhammad Habibullah Aminy, Dara Nida Utamie, and Triana Lidona Aprilani. "PERHITUNGAN PENDAPATAN DAN BEBAN OPERASIONAL SEBAGAI TOLOK UKUR KINERJA KEUANGAN PADA CV DUTA LOMBOK TRANS." Jurnal Akuntansi dan Keuangan Syariah - ALIANSI 7, no. 2 (2024): 96–103. https://doi.org/10.54712/aliansi.v7i2.362.

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The development of the economic world with increasing competition in the business worldencourages business actors who are interested in the development of a companyto feel the need to know the financial condition of the company. The financial condition of the company can be seen from the company's financial statements consisting of balance sheets, profit and loss statements, cash flow and other financial statements. Objective: To determine the calculation of income and operating expenses in Measuring Financial Performance at CV Duta Lombok Trans. Method: In this study, the researcher used the

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Febryanti, Syelpia, Sri Fadilah, and Kania Nurcholisah. "Analisis Kinerja Keuangan dan Biaya Operasional pada Perusahaan Financial Technology." Jurnal Riset Akuntansi 1, no. 1 (2021): 15–23. http://dx.doi.org/10.29313/jra.v1i1.53.

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Abstract. The purposes of this study is to analyze financial performance and operating expenses company of fintech is a PT Kioson Komersial Tbk. from 2017 and 2018. The data used secondary data from financial statements and annual report. The research method used is descriptive qualitative. Result of the analysis are generally based on financial ratio of a liquidity ratio is in good shape is a cash turnover and inventory net working capital. Solvency ratio which is in good condition just ratio long term debt to equity ratio, while other ratios are not good is debt ratio, debt to equity ratio,

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Hikmah, Khoirul, Agung Satmoko, Sudaryatie Sudaryatie, and Diana Anggraini Kusumawati. "Analysis Of The Influence Of Financial Ratio To Profitability Of Sharia Commercial Bank." Journal of Business Innovation and Research 2, no. 2 (2024): 169. http://dx.doi.org/10.31315/jubir.v2i2.10916.

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This research aims to find out and analyze the influence of Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Operating Expense of Operating Income (OEOI) on Profitability in Sharia Commercial Banks in Indonesian in the period 2011-2020. This type of research is explanatory research and uses a quantitative approach. The population and sample of this study is the Indonesian Sharia Commercial Bank registered with the Financial Services Authority for the period 2011-2020, as many as 14 companies with saturated sampling techniques. The study used m

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Sitepu, Rafi Ashari, and Atim Djazuli. "ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS." Jurnal Management Risiko dan Keuangan 2, no. 1 (2022): 44–56. http://dx.doi.org/10.21776/jmrk.2023.02.1.06.

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Return on assets (ROA) of Bank Sinarmas Sharia Business Unit has a low performance. This type of research is explanatory research (explanatory research). The collection of data used in this study is to use documentation techniques, namely the financial statements of the company PT. Bank Sinarmas Sharia Business Unit 2012 – 2021. The data analysis technique used in this study is the classical assumption test, multiple linear regression analysis, coefficient of determination, t test and F test. The results of this study indicate that the Capital Adequacy Ratio (CAR) has a positive effect and sig

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