Articles

Financial Dynamics of Listed Banks in Pakistan: Exploring the Interplay between Cost-Income Ratio, Capital Adequacy, and Performance Metrics

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This study delves into the relationship between the Cost-Income Ratio, Capital Adequacy, and the performance of listed banks in Pakistan. Drawing data from 2014 to 2022 annual reports, the Generalized Method of Moments (GMM) in STATA version 18 is employed for analysis. The findings disclose a negative connection between capital adequacy and performance, particularly return on assets (ROA) and return on equity (ROE). While the correlation lacks statistical significance for ROA, it becomes significant in the context of ROE. Additionally, a statistically significant negative correlation is identified between the cost-income ratio and both ROA and ROE. Total equity debt displays a negative relationship, achieving significance concerning ROA. Bank size demonstrates a significant negative correlation with both ROA and ROE. GDP exhibits a positive link, significant only with ROE. These findings contribute valuable insights into the dynamics of financial indicators influencing bank performance in the Pakistani context.

The Effect of Capital Adequacy, Non-Performing Financing, Efficiency, And Liquidity on Financial Performance in Sharia Commercial Banks in Indonesia

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This study aims to examine the effect of capital adequacy, non-performing financing, efficiency, and liquidity on the level of financial performance at Islamic Commercial Banks in Indonesia. This study is a population study with the number of companies studied as many as 13 Islamic Commercial Banks in Indonesia during the 2014-2019 observation period so that 75 observations are obtained. This study uses multiple linear analyses of panel data to analyze the data to be studied. This study empirically finds that CAR, NPF, BOPO, and FDR have a negative influence on the financial performance of Islamic banks.

Measuring the Level of Regional Government Financial Efficiency in Aceh

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This research aims to analyze the process and strategy of utilizing Regional Government expenditure inputs in producing public service outputs, and their influence on community welfare. Practically, it is hoped that the results of this research can provide input for improving management and strategies for optimizing the use of decentralization funds to increase efficiency in improving the quality of public services. Considering the many weaknesses and problems faced in managing APBD in the context of decentralization. This research uses a census method where the entire research population is observed . We collected secondary data in the form of audited Regional Government Financial Reports (LKPD) from 23 Regencies/Cities in Aceh from 2017 to 2021 and reports published by the Central Statistics Agency. The measurement uses the Data Envelopment Analysis (DEA) method which will show local governments with input or output inefficiencies. Results studies This find that only there are 4 of the 23 regional governments in Aceh that are relatively large efficient during 2017-2021 period. City Government Langsa is relatively the most efficient regional government compared to with Local Government others in Aceh. This research provides important information in the form of values that must be achieved so that regional governments can be efficient. If regional governments are able to increase their output, they will achieve efficiency, thus opening up the potential for efficient regional governments to be greater than inefficient regional governments.

Improve Employee Key Performance Indicator through Establishment of High Performing Team Model (Case Study: TNP)

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TNP, a company in cargo transportation and logistics, is grappling with challenges such as high employee turnover and struggles to meet performance goals, both on an individual and team level. The company’s turnover rate exceeds its target, and the overall Key Performance Indicator (KPI) achievement by High-Level Management remains below the company’s standard of 80%. This study aims to improve the situation by analysing the current KPI framework. High turnover disrupts operations and suggests employee satisfaction problems, while inconsistent KPI achievement indicates operational inefficiencies. The study utilizes various methods, including interviews with High-Level Management, questionnaires for employees, and analysis of historical performance data. The analysis includes external and internal evaluations, leading to a SWOT analysis, which contributes to the research findings. These findings highlight several areas for enhancement. Proposed solutions involve implementing a High-Performing Team (HPT) model, drawing inspiration from Wageman and Hackman models. This model thrives on collaboration, utilizing collective skills to surpass individual contributions. It emphasizes open communication, knowledge sharing, and complementary skills to address turnover and improve KPI achievement. The study’s significance lies in its potential to guide TNP’s transformation. Through refining the KPI system and addressing underlying concerns, the study aims to provide actionable recommendations. Ultimately, the study suggests that adopting a high-performing team model could bridge existing gaps. By fostering a collaborative culture and implementing team coaching, the company could potentially revolutionize its cargo transportation and logistics services while also improving employee retention.