https://mail.insyma.org/proceedings/files/original/articles/burhanuddin_jauhari.pdf Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Proceedings of the International Symposium on Management (INSYMA) (Vol 22, 2025) Proceedings meta_title Profitability Under Pressure: Operational Efficiency and Credit Risk in Indonesian Banking Author #1 Erwin Saputra Author #2 Vierkury Metyopandi Author #3 Ery Sulistyorini Author #4 Ahmad Hussein Satrio Pambudi Author #5 Burhanuddin Jauhari Abstract/Description This study examines CAR, LDR, OEOI, NPL, and Total Assets in 37 private Indonesian banks using panel regression. Findings highlight that operational efficiency negatively impacts profitability (ROA). keywords a;b;c;d Bank profitability, ROA, operational efficiency, credit risk, private banks, Indonesia publication_date 2025/06/20 2025/06/15 pdf_url https://insyma.org/proceedings/files/articles/burhanuddin_jauhari.pdf abstract_html_url https://insyma.org/proceedings/items/show/ https://insyma.org/proceedings/items/show/385 firstpage 453 lastpage 462 issn 3047-857X 3047-857X conference Proceedings of the International Symposium on Management (INSYMA) Proceedings of the International Symposium on Management (INSYMA) publisher_name Fakultas Bisnis dan Ekonomika, Universitas Surabaya Fakultas Bisnis dan Ekonomika, Universitas Surabaya no article 74 Volume 22 authors Erwin Saputra, Vierkury Metyopandi, Ery Sulistyorini, Ahmad Hussein Satrio Pambudi, Burhanuddin Jauhari Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Profitability Under Pressure: Operational Efficiency and Credit Risk in Indonesian Banking Creator An entity primarily responsible for making the resource Erwin Saputra, Vierkury Metyopandi, Ery Sulistyorini, Ahmad Hussein Satrio Pambudi, Burhanuddin Jauhari