PENGARUH BOPO TERHADAP ROA, ROE PADA PT BANK JAGO DI BURSA EFEK INDONESIA PERIODE 2020-2024
DOI:
https://doi.org/10.61722/jaem.v2i3.5805Keywords:
Bank Digital, BOPO, Efisiensi Operasional, ROA, ROEAbstract
This research seeks to assess the impact of the BOPO ratio (Operating Expenses to Operating Income) on the profitability of PT Bank Jago, as reflected through ROA and ROE over the 2020–2024 period. The study is grounded in the issue of a high BOPO ratio, which stems from significant investments in digital transformation. Applying a descriptive quantitative method with simple linear regression and utilizing secondary data sourced from financial statements, the findings indicate that BOPO has a statistically significant and negative influence on both ROA and ROE.The R Square values of 0.997 for ROA and 0.998 for ROE indicate that BOPO substantially contributes to the variation in profitability. The t-values of -29.918 for ROA and -44.041 for ROE, with a significance level of 0.0005, further support these findings. This research suggests that PT Bank Jago should enhance operational efficiency to ensure that digital investments yield positive long-term profitability impacts.
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