Main Article Content

Abstract

This study aims to determine the operational costs operating income (BOPO) and Loan to Deposit Ratio (LDR) on Return on Assets at PT. Bank Negara Indonesia, Tbk. The method used is explanatory research. The analysis technique uses statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of this study Operational Costs Operational Income (BOPO) has a significant effect on Return on Assets by 40.7%, hypothesis testing is obtained t count> t table or (2.346> 2.262). Loan to Deposit Ratio (LDR) has a significant effect on Return on Assets of 53.9%; hypothesis testing is obtained t count> t table or (-3.056> -2.262). Operating Costs Operational Income (BOPO) and Loan to Deposit Ratio (LDR) simultaneously have a significant effect on Return on Assets, the regression equation Y = 1.565 + 0.205X1 - 0.089X2 and a determination value of 59.9%, hypothesis testing obtained the F value calculated > F table or (5,224> 4,350).

Keywords

Operational Income Operational Costs (BOPO) Loan to Deposit Ratio (LDR) Return on Assets

Article Details

How to Cite
Jati, W. (2021). Influence of Operational Costs on Operating Revenue and Loan to Deposit Ratio against Return on Asset at PT. Bank Negara Indonesia, Tbk Year 2009-2019. Kontigensi : Jurnal Ilmiah Manajemen, 9(1), 1-9. Retrieved from https://jurnal.dim-unpas.web.id/index.php/JIMK/article/view/88

References

  1. Dendawijaya, Lukman. “Manajemen Perbankan”, Edisi Kedua, Cetakan Kedua, Ghalia Indonesia, Jakarta, 2009.
  2. Fahmi, Irham. Manajemen Kinerja Teori dan Aplikasi”, Cetakan Pertama, Afabeta, Bandung, 2010.
  3. Handoko, T. Hani. “Manajemen Personalia dan Sumber Daya Manusia”, BPFE, Yogyakarta, 2008.
  4. Haque, M. G., Nurjaya, N.,Affandi, A., Erlangga, H., & Sunarsi, D. (2021). Micro Financial Sharia Non-bank Strategic Analysis: a Study at BMT Beringharjo, Yogyakarta. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 4(2), 1677-1686.
  5. Harjito, Agus dan Martono. “Manajemen Keuangan”, Edisi Kedua, Cetakan Kedua, Ekonisia, Yogyakarta, 2014.
  6. Jasmani, J. (2019). The Effect of Liquidity and Working Capital Turnover on Profitability at PT. Sumber Cipta Multiniaga, South Jakarta. PINISI Discretion Review, 3(1), 29-38.
  7. Kasmir, “Bank dan Lembaga Keuangan lainnya”, Edisi Revisi, Cetakan ketujuhbelas, Rajawali Pers, Jakarta, 2016.
  8. Manurung, Mandala dan Prathama Rahardja. “Uang, Perbankan dan Ekonomi Moneter”, Fakultas Ekonomi Universitas Indonesia, 2004.
  9. Munawir, S. “Analisis Laporan Keuangan”, Edisi keempat, Cetakan Kelima Belas, Liberty, Yogyakarta, 2014.
  10. Muslimat, A., Muhsin, H., Wahid, H. A., Yulistiana, I., Sunarsi, D., Dewi, K., ... & Ilham, D. (2021). Develop Technology Based Multimedia For Indonesian Teachers. Journal of Contemporary Issues in Business and Government, 27(1), 1871-1882.
  11. Noryani, Y. B. G., Sari, W. I., Rosini, I., Munadjat, B., Sunarsi, D., & Mahnun Mas' adi, G. (2020). Did ISO 45001, ISO 22000, ISO 14001 and ISO 9001 Influence Financial Performance? Evidence from Indonesian Industries. PalArch's Journal of Archaeology of Egypt/Egyptology, 17(7), 6930-6950.
  12. Nurjaya, N., Affandi, A., Ilham, D., Jasmani, J., & Sunarsi, D. (2021). Pengaruh Kompetensi Sumber Daya Manusia Dan Kemampuan Pemanfaatan Teknologi Terhadap Kinerja Aparatur Desa Pada Kantor Kepala Desa Di Kabupaten Gunungkidul, Yogyakarta. JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia), 4(3), 332-346.
  13. Pujiati, H., Sunarsi, D., Affandi, A., & Anggraeni, N. (2021). Effect of ISO 9001: 2015 Quality Management Implementation in Education on School Performance. Journal of Contemporary Issues in Business and Government, 27(1), 1848-1855.
  14. Purwanti, Y. (2021). The Influence Of Digital Marketing & Innovasion On The School Performance. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(7), 118-127.
  15. Rivai dkk, Veithzal. "Bank and Financial Institution Management: Conventional and Sharia System", PT. Raja Grafindo Persada, Jakarta, 2007.
  16. Riyadi, Slamet. “Banking Assets and Liability Management”, Edisi Ketiga, Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia, Jakarta, 2006.
  17. Robbins, Stephen dan Mary Coulter, “Manajemen”, PT Indeks, Jakarta, 2007
  18. Samryn, L.M. “Pengantar Akuntansi”, Edisi Revisi, Buku Satu, PT. Raja Grafindo Persada, Jakarta, 2012.
  19. Solihin, Ismail. “Pengantar Manajemen”, Erlangga, Jakarta, 2009.
  20. Suciati, Wulan. “Analisis Rasio Rentabilitas Sebagai Alat Ukur Kinerja Keuangan Pada PT. Bank Central Asia, Tbk, Universitas Pamulang, 2013.
  21. Sunarsi, D. (2018). Pengaruh Gaya Kepemimpinan dan Disiplin Kerja Terhadap Kinerja Karyawan Pada CV. Usaha Mandiri Jakarta. JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia), 1(2).
  22. Sutrisno. “Manajemen Keuangan Teori Konsep dan Aplikasi”, Cetakan Kesembilan, Ekonisia, Yogyakarta, 2013.
  23. Triandaru, Sigit dan Totok Budisantoso. “Bank dan Lemabaga Keuangan Lain”, Salemba Empat, Jakarta, 2006.