scholarly journals ANALISIS CAPITAL ADEQUANCY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), DAN RETURN ON ASSETS (ROA) TERHADAP TINGKAT SUKU BUNGA DEPOSITO BERJANGKA PADA BANK BUMN PERIODE 2009-2014

2020 ◽  
Vol 5 (1) ◽  
pp. 19
Author(s):  
Isna Nurcahyani Suratama ◽  
Dyah Fitriani
Keyword(s):  
Interest Rate ◽  
Regression Coefficient ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Return On Assets ◽  
F Test ◽  
A Value ◽  
Time Deposits ◽  
Capital Adequacy Ratio ◽  
The Interest Rate

This study aims to determine the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Return on Assets (ROA) on the interest rate for time deposits at state-owned banks in Indonesia in the 2009-2014 period. The sample used in this study is state-owned banks in Indonesia, as many as 4 banks. The sampling technique used was purposive sampling technique. The method used in this study is quantitative research and the data obtained are secondary data where the data is already available in report form. The analysis technique used is multiple linear regression, hypothesis testing (t test and F test) and the coefficient of determination test. The results of the analysis showed that partially the Capital Adequacy Ratio (CAR) showed a regression coefficient of -0.674775 with a prob value of 0.5915, which meant that the CAR had a negative and not significant effect on deposit rates, while the Loan to Deposit Ratio (LDR) showed a value of regression coefficient of 0.109967 with a value of prob. 0.6871 which means that the LDR has a positive and not significant effect on the interest rate on time deposits and Return on Assets (ROA) shows a value of -10,63718 with a prob. 0.4255 which means ROA has a negative and not significant effect on the interest rate on time deposits. Based on the F test shows a prob value of 0.300476 so that simultaneously, CAR, LDR and ROA have no significant effect on the interest rate on time deposits.

scholarly journals PENGARUH FDR, NPF, CAR, DAN BOPO TERHADAP ROA PADA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS)

2021 ◽  
Vol 1 (2) ◽  
pp. 145-157
Author(s):  
Nurul Ichsan Hasan ◽  
R. Rizny Anindya Reswanty
Keyword(s):  
Regression Analysis ◽  
Computer Program ◽  
Multiple Regression Analysis ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Microsoft Excel ◽  
Operating Income ◽  
Operational Costs ◽  
Capital Adequacy Ratio

This study analyzes the influence Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operational Costs and Operating Income Against Return On Assets (ROA) BPRS in Indonesia Period from 2010-September 2017. The data used in this study is. Sampling technique used in this research is purposive sampling. The method of analysis used in this study is Multiple Regression Analysis using the computer program Eviews Software version 9 and Microsoft Excel 2013. The results in this study show that Financing to Deposit Ratio (FDR), Non Performing Finance (NPF), Capital Adequacy Ratio  (CAR), and BOPO simultaneously have a significant effect on Return On Asset (ROA). Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) partially do not have a significant effect on Return On Aset (ROA).

scholarly journals Comparative Health Analysis of the National Bank, Joint Venture Banks and Foreign Banks in Indonesia

2020 ◽  
Author(s):  
Dudi Rudianto
Keyword(s):  
Joint Venture ◽  
Capital Adequacy ◽  
The Other ◽  
Foreign Banks ◽  
Return On Assets ◽  
A Value ◽  
Capital Adequacy Ratio ◽  
Bargaining Position ◽  
National Bank

The Risk-Based Bank Rating approach (RBBR) is used to determine the health of banks in Indonesia, both for national banks, joint venture banks and foreign banks. This approach uses five (5) proxies, i.e. Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Net Interesr Margin (NIM), and the Capital Adequacy Ratio (CAR). The overall result of the 5 (five) variables studied show that national banks are healthier than the other two types of banks, namely venture banks and foreign banks, because the national bank has a value beyond the provisions of Bank Indonesia. The partial variable LDR consistently varies significantly between national banks, joint venture banks and foreign banks. The LDR of joint venture banks and foreign banks is higher than the national bank. These conditions indicate that the bargaining position of joint venture banks and foreign banks in serving the needs of public borrowing is much higher than the national bank, which results in increasing the ability of both types of banks in generating profit. Simultaneously throughout the study variables was significantly different among the national banks, joint venture banks and foreign banks..  

scholarly journals PENGARUH LOAN TO DEPOSITE RATIO, RETURN ON ASSETS, CAPITAL ADEQUACY RATIO, EXCHANGE RATE DAN INTEREST RATE TERHADAP RETURN SAHAM

2017 ◽  
Vol 19 (3) ◽  
pp. 340
Author(s):  
Ketut Asmara Jaya
Keyword(s):  
Exchange Rate ◽  
Interest Rate ◽  
Stock Returns ◽  
Significant Influence ◽  
Stock Return ◽  
Random Effect ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Lm Test

Pertumbuhan pasar modal pada akhir tahun 2010 menunjukkan kinerja yang luar biasa dengan meningkatnya kembali nilai saham dengan dipengaruhi oleh berbagai faktor, baik faktor internal ataupun faktor eksternal dari setiap perusahaan. Studi ini menganalisis untuk pinjaman deposit rasio (LDR), pengembalian asset (ROA), rasio kecukupan modal (CAR), nilai tukar dan suku bunga yang berdampak pada keuntungan saham di perusahaan perbankan. Studi panel ini menggunakan data LM test statistik yang menunjukkan perhitungan metode random effect adalah cara yang lebih tepat digunakan untuk mengestimasi model dalam penelitian ini. Hasil studi menunjukkan bahwa variabel ROA memberikan pengaruh positif dan signifikan dalam return saham. Sedangkan variabel LDR, CAR dan Kurs tidak ada pengaruh yang signifikan terhadap return saham, dan hanya kecenderungan jika LDR, CAR dan Kurs meningkat maka return saham dapat meningkat pula Suku bunga variabel tidak memberikan pengaruh positif dan pengaruh signifikan karena tidak memiliki hubungan dengan return saham.Growth of Capital market in late 2010 showed outstanding performance with rising of stock return which is influenced by various factors, both internal factors and external factors of each company it self. This study analyzes the Loan To Deposite Ratio (LDR), Return On Assets (ROA), Capital Adequacy Ratio (CAR), Exchange Rate and Interest Rate impact on stock returns in corporate banking. This study uses panel data with LM Test statistical calculation it is shown that Random Effect method is more precise to be used in this study. The result of the study shown that ROA variable gives positive and significant influence in stock return. While LDR, variables CAR and exchange rate of no influence and significantly to return stock, and only tendency if LDR, CAR and exchange rate increase then return shares can be increased as well. The Interest Rate variable did not give positive and significant influence because of not having relationship with stock return.

scholarly journals Pengaruh Komponen Risk Based Bank Rating Pada Nilai Perusahaan Perbankan

2019 ◽  
Vol 29 (2) ◽  
pp. 883
Author(s):  
Ketut Krisna Savitri ◽  
I Wayan Ramantha
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Negative Effect

This study aims to empirically examine the effect of the risk-based bank rating component as measured by non-performing loans, loan to deposit ratio, good corporate governance, return on assets and capital adequacy ratio on the value of banking companies listed on the Indonesia Stock Exchange (BEI) Year 2013-2017. The research sample was selected using the nonprobability sampling method with a purposive sampling technique and obtained as many as 6 banking companies, so that the number of observations with a study period of 5 years was 30 observations. The data analysis technique used is multiple linear regression analysis. The results of this study indicate that non-performing loans and loan to deposit ratios have a negative effect on the value of banking companies. Return on assets and capital adequacy ratio have a positive effect on the value of banking companies and good corporate governance does not affect the value of banking companies. Keywords : Risk Based Bank Rating;  Company Value; Banking.

scholarly journals Pengaruh NPL, LDR, dan CAR padaROA Perusahaan Perbankan yang Terdaftar di BEI Tahun 2014-2016

2018 ◽  
pp. 2096
Author(s):  
Putu Intan Trisna Dewi ◽  
I Ketut Suryanawa
Keyword(s):  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

Banking plays an important role in influencing economic activity. Banking is required to gain profit so as to compete in order to maintain its survival. The profit is used to pay for all types of operational costs. This research was conducted in Banking Companies Listed in Indonesia Stock Exchange Period Year 2014 - 2016. The number of samples is 20 banks, with the method of purposive sampling technique. Data collection is done by observation or observation. The analysis technique used is multiple linear regression analysis. Based on the result of research, it is known that non performing loan has negative effect on return on asset, loan to deposit ratio has positive effect on return on asset, and capital adequacy ratio has negative effect on return on asset. Keywords: Non Performing Loan, Loan to Deposit Ratio, Capital Adequacy Ratio, Return On Assets.  

scholarly journals Pengaruh Return on Asset dan NonPerforming Loan Terhadap Capital Adequacy Ratio Pada PT Bank Mega Tbk

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
Faisal Faisal
Keyword(s):  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Independent Variable ◽  
Interest Margin

This study aims to determine the effect of the independent variables on the dependent variable. The independent variable used in this study is Return on Assets, Non Performing Loans. While the dependent variable in this study is the Capital Adequacy Ratio. The data used in this study are quarterly data from 2010 to 2018. The sampling technique used in this study was purposive sampling involving Bank Mega Tbk. The analysis technique used is multiple linear regression analysis. Based on the results of data analysis, this study shows that simultaneously (Simultaneous) Return on Assets, Non Performing Loans have a significant effect on Capital Adequacy Ratio. And individually (partial) Net Interest Margin, Non Performing Loans and Return on Assets have a positive effect on CAR, negatively affect CAR. Determination coefficient results indicate the Adjusted R-squared value of 0.714240 means that the independent variable can explain the dependent variable by 71.42% while the rest is explained by other variables not contained in the model.In this study, the researcher wanted to find out whether there was a significant relationship between Return on Assets, Non-Performing Loans had a significant effect on the Capital Adequacy Ratio.   Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh antara variabel independen terhadap variabel dependen. Variabel independen yang digunakan dalam penelitian ini adalah Return on Asset, Non Performing Loan. Sedangkan variabel dependen dalam penelitian ini adalah Capital Adequacy Ratio. Data yang digunakan dalam penelitian ini adalah data kuartal selama periode 2010 sampai dengan 2018. Teknik sampling yang digunakan dalam penelitian ini adalah purposive sampling yang melibatkan Bank Mega Tbk. Teknik analisis yang digunakan adalah analisis regresi linear berganda. Berdasarkan hasil analisis data penelitian ini menunjukan secara bersama-sama (Simultan) Return on Asset, Non Performing Loan berpengaruh signifikan terhadap Capital Adequacy Ratio. Dan secara individu (Parsial) Net Interest Margin, Non Performing Loan dan Return on Asset berpengaruh positif terhadap CAR, berpengaruh negatif terhadap CAR. Hasil Koefisien Determinasi menunjukan nilai Adjusted R-squared sebesar 0,714240 artinya bahwa variabel independen dapat menjelaskan variabel dependen sebesar 71,42% sedangkan sisanya dijelaskan oleh variabel lain yang tidak terdapat dalam model.Return on Asset, Non Performing Loan berpengaruh signifikan terhadap Capital Adequacy Ratio   KataKunci: Return on Asset, Non Performing Loan, Capital Adequacy Ratio.

scholarly journals Anteseden Return on Asset (ROA) pada Bank BUMN Indonesia

2019 ◽  
Vol 2 (1) ◽  
pp. 68-78
Author(s):  
Andi Tenriola
Keyword(s):  
Cost Efficiency ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Dominant Effect ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study aims to examine and analyze the effect of Capital Adequacy Ratio (CAR),Operating Expenses and Cost Efficiency (BOPO) and Loan to Deposit Ratio (LDR) to Return onassets (ROA). Return on assets (ROA) or profitability is one indicator that can be used to measurebank performance. The population used in this study is state-owned banks registered with BankIndonesia during the 2014-2018 period. In this study the sampling technique used total samplingtechniques using quarterly financial statements owned (1) PT. BNI (Persero), Tbk (2) Bank BRI(Persero), Tbk, (3) PT Bank Mandiri (Persero), Tbk; and (4) PT Bank BTN (Persero) so that with thesample, the number of samples in this study were (4 Quarter x 5 Years of Observation x 4 BUMNBanks = 80 panel data units). The results of multiple regression analysis provide evidence that CARhas a significant positive effect on ROA. Operational efficiency and cost efficiency (BOPO) has asignificant negative effect on return on assets (ROA). LDR has a significant negative effect on ROA.For the biggest contribution proven in CAR, that CAR has a dominant effect on ROA.

scholarly journals Pengaruh RGEC (Risk Profile, Good Corporate Governance Earning, Capital) terhadap Financel Distress

Owner ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 107-118
Author(s):  
Fikri Hakim Ermar ◽  
Suhono Suhono
Keyword(s):  
Corporate Governance ◽  
Financial Distress ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Sample Data

This study aims to determine the effect of RGEC (Risk Profile, Good Corporate Governance, Earnings and Capital) on Financial Distress in banks listed on The Indonesia Stock Exchange (IDX) for the period of 2016-2019. The sample data used is the result of the purposive sampling technique and the samples declared worthy to be utilized are 21 banks. During the study conducted, the method was adopted which is a method of logistic regression analysis using SPSS 25 program aid. The results of the research show that the variables that are known can affect the Financial Distress is Return On Asset affect negatively and significantly. Meanwhile, variables that do not affect Financial Distress are Non-Performing Loan (NPL), Loan to Deposit Ratio, Good Corporate Governance, and Capital Adequacy Ratio. Simultaneously Non Performing Loans, Loan to Deposit Ratio, Good Corporate Governance, Return on Assets and Capital Adequacy Ratio have a significant effect on Financial Distress.

scholarly journals Analysis of the effect of GCG quality on the financial performance of Islamic banks

2015 ◽  
Vol 5 (2) ◽  
pp. 119 ◽  
Author(s):  
Flowurrence Wibawanti Dewany
Keyword(s):  
Corporate Governance ◽  
Sampling Technique ◽  
Mean Value ◽  
Capital Adequacy ◽  
Rate Of Return ◽  
Islamic Banks ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

This research aims to know the effect of the quality of Good Corporate Governance implementation on the rate of return, measured using Return on Assets (ROA), the risk of financing, measured using Non Performing Financing (NPF), and capitals measured using Capital Adequacy Ratio (CAR) on Islamic Banks in Indonesia. The sampling technique used in this research is purposive sampling method with the limi-tation of Islamic Banks registered in Bank Indonesia, publish annual report and dis-close reports of Good Corporate Governance from 2010 to 2013. The result shows that the quality of Good Corporate Governance implementation on Islamic banks in Indo-nesia is categorized good, based on the composite mean value of 1.70676. The quality of Good Corporate Governance implementation has no effect on the rate of return and the risk of financing, but it has an effect on the capital.

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