Article Sidebar
Downloads
Main Article Content
Abstract
The purpose of this study was to analyze the level of the financing ratio or the Financing to Deposit Ratio (FDR) and operating costs (BOPO) to the Return on Assets (ROA) that occurred in BJBS for the 2017-2020 period. The research method used is in the form of quantitative analysis. The data source is generated from the Quarterly Reports published by the BJBS official website starting from the period 2017 to 2020. The results show that partially the FDR ratio shows a value of 0.620 > 0.05 meaning that there is no significant effect between FDR on ROA, while the BOPO ratio shows a value of 0.000 <0.05 means that there is a significant effect between BOPO on ROA. Simultaneously, the resulting value of 0.000 <0.05 means that there is a significant effect between FDR and BOPO on ROA. In that case, the R-Square value obtained is 0.820 or equivalent to 82% which indicates that the effect of FDR and BOPO on ROA is 82% while the rest (100% - 82% = 18%) is influenced by other variables outside of the research discussion.
Keywords; Financing to Deposit Ratio, Operational Costs, Return on Assets.
Article Details
Authors who publish with this journal agree to the following terms:
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).