CURRENT ACCOUNTS, SAVINGS, AND TIME DEPOSITS TO OPERATING PROFIT: A COMPARATIVE STUDY ON INDONESIAN STATE-OWNED BANKS
Abstract
This study compares current accounts, savings, term deposits, and operating profit among state-owned banks during the Covid 19 pandemic. This study also compares the effect of current accounts, savings, and term deposits on the operating profit of state-owned banks. The research method used is a comparative study. The study results were that during the Covid 19 pandemic, the most significant amount of current accounts was at BMANDIRI; savings and term deposits at BBRI; and operating profit was at BMANDIRI. The lowest current accounts, savings, term deposits, and operating profit were in BBTN. Comparing current accounts, savings, and term deposits, BBNI does not significantly affect operating profit. At BBRI, BMANDIRI, and BBTN, demand deposits, savings, and term deposits have a significant influence. BBTN's current accounts and savings have a negative effect on its operating profit, while BBRI and BMANDIRI have a positive effect. Term deposits at BBRI, BMANDIRI, and BBTN positively influence operational reports. It can be concluded that during the Covid 19 pandemic in 2020, current accounts, savings, and term deposits significantly influenced operating profit.
Keywords
Full Text:
PDFReferences
Berger, A., Demirguc-Kunt, A., Levine, R., Haubrich, J., 2004. Bank concentration and competition: an evolution in the making. Journal of Money, Credit and Banking, p 433–453.
Fahmi, Irham. 2014. Analisis Laporan Keuangan. Bandung: Alfabeta. Herlina, Listri. 2021. Fungsi Bank Sebagai Lembaga Intermediasi Di Masa Pandemic Covid 19: Analisis Komparatif. Jurnal Indonesia Membangun. Vol. 20, No. 1. Hal 28 – 42
Hakim, Luqman dan Sugianto. 2018. Determinant Profitability and Implications on the Value of the Company: Empirical Study on Banking Industry in IDX. International Journal of Economics and Financial Issues available at http: www.econjournals.com International Journal of Economics and Financial Issues, 2018, 8(1), 205-216
Setiawan, Ulin Nuha Aji. 2016. Pengaruh DPK, CAR, Dan NPF Terhadap Profitabilitas Bank Syariah Dengan Pembiayaan Sebagai Variabel Intervening.Dipenogoro JournalOf Management. Vol 5 No 4.
Elvitasari, Della dan Dalimunthe, Pinondang Ibram. 2019. Pengaruh Pihak Ketiga Terhadap Laba Operasi dengan Fasilitas Bank. Jurnal Renaissance Volume 4 No. 01 Mei 2019, hlm: 514-522
Siboro, Tongku Fernando .2021. Pengaruh Laba kotor, Laba Operasi Dan Laba Bersih Dalam Memprediksi Arus Kas Di Masa Mendatang Tongku Pada Perusahaan Manufaktur Yang Terdaftar Di Bursa Efek Indonesia Periode Tahun (2016-2018). Kumpulan Skripsi Fakultas Sosial Sains Universitas Pembangunan Panca Budi Vol 1 No 01
Marismiati dan Aini, Kurratul. 2021. Pengaruh Laba Bersih Dan Arus Kas Operasi Terhadap Dividen Tunai Perusahaan Konstruksi Di BEI Tahun 2016-2019. Land Journal. Volume 2, Nomor 1, https://www.ojk.go.id/Files/201401/OKT27122004_1390442867.pdf
Refbacks
- There are currently no refbacks.
![](/public/site/images/steffi/Picture1.png)