Analisis Determinasi Tingkat Net Core Operational Margin Pada Bank Umum Syariah di Indonesia
Bibliographic record
Abstract
Purpose- The purpose of this study is to explore the impact of a bank’s internal and external factors on net core operating margin in Indonesia’s Islamic commercial bank's companies. Methods- A quantitative approach by using panel data regression with a period from 2nd quarter 2010 to 2nd quarter 2015. The object of this study is eight Islamic commercial banks companies which were listed in sharia bank directory of Central Bank of Indonesia and Financial Services Authority of the Republic of Indonesia, those selected by purposive sampling technique with specific criteria. Findings- This study can be concluded that capital adequacy ratio and average operational cost have a positive and significant impact on the net core operational margin. On the contrary, financing to deposit ratio, bank size, operational efficiency ratio, and BI rate have a negative and significant impact on net core operational margin. Research implications- The management needs to create an efficient banking system by reducing operational costs and improving management quality. Banks are also advised to increase the prudential principle in managing finance so that the risk of default can be minimized.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.002 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.001 | 0.001 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.004 | 0.001 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".