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The Effect of Operational Efficiency on Profitability in Banking Sector Registered in BEI 2015-2020

Mentari, Intan Dwi and Suhartono, Suhartono (2021) The Effect of Operational Efficiency on Profitability in Banking Sector Registered in BEI 2015-2020. In: The 3rd International Conference on Business and Banking Innovations, 6 & 7 March 2021, Surabaya.

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Intan Dwi Mentari - The Effect of Operational Efficiency, LDR, NIM, NPL on Capital in Regional Development Banks.pdf

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Abstract

Research on capital is very important in bank operations, because the capital owned by the bank can be used to cover losses arising from bank operations. Banks require a minimum capital ratio or usually called the Capital Adequacy Ratio (CAR). CAR is the capital adequacy ratio that functions to manage the risk of loss that may arise by the Bank. The purpose of this study was to determine the effect of the variables of OCOI/BOPO, LDR, NIM, and NPL both simultaneously and partially on CAR, and which variables contributed to the dominant contribution to the Capital Adequacy Ratio (CAR). The population consists of Regional Development Banks. The sampling technique used a purposive sampling method, selected as samples were BPD Lampung, BPD Bengkulu, and BPD Central Sulawesi. Collecting data using the documentation method and then analyzed using multiple linear analysis techniques. The results showed that OCOI/BOPO, LDR, NIM, and NPL together had a significant effect on the Capital Adequacy Ratio (CAR). OCOI/BOPO partially has a significant negative effect on the Capital Adequacy Ratio (CAR). LDR partially has a positive and insignificant effect on the Capital Adequacy Ratio (CAR). NIM partially has a positive and significant effect on the Capital Adequacy Ratio (CAR). Partially NPL has a significant positive effect on the Capital Adequacy Ratio (CAR). Keywords: Liquidity Risk, Market Risk, Credit Risk, Operational Risk, and CAR

Item Type: Conference or Workshop Item (Paper)
Subjects: 300 - SOCIAL SCIENCE > 332.12 - BANKS & BANKING
Divisions: ICOBBI (International Conference of Business and Banking Innovations)
Depositing User: Perpustakaan Universitas Hayam Wuruk Perbanas Surabaya
Date Deposited: 20 Aug 2021 07:57
Last Modified: 20 Aug 2021 07:57
URI: http://eprints.perbanas.ac.id/id/eprint/3901

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