scholarly journals PENGARUH MANAJEMEN RISIKO TERHADAP KINERJA KEUANGAN (STUDY PADA PERBANKAN SYARIAH YANG TERDAFTAR DI BEI)

IQTISHODUNA ◽  
2018 ◽  
Vol 14 (2) ◽  
pp. 151-166
Author(s):  
Mardiana Mardiana
Keyword(s):  
Time Series ◽  
Financial Performance ◽  
Variable Coefficient ◽  
Time Series Data ◽  
Capital Adequacy ◽  
Series Data ◽  
Negative Coefficient ◽  
Financial Reports ◽  
Operation Efficiency ◽  
Capital Adequacy Ratio

Abstract: The objectives of this research to analize the influence risk management is as proxy of Capital Adequacy Ratio (CAR), Operation Efficiency (BOPO), Non Performing Loan (NPL), to Financial Performance is as proxy of Return on Asset (ROA) Banking Firms wich listed on BEI in 2011 until  2016 periods. This research using time series data from Bank Indonesia’s published financial reports Banking Firms wich listed on BEI in 2002 until 2007 periods. After passed the purposive sampling phase, the number of valid sample is 5 Banking Firms wich listed on BEJ. The result of this research shows that CAR and NPL variables has a negative and unsignificant influence to ROA. BOPO variable also has a significant influence to ROA, the distinction between BOPO than another variables is the sign of variable coefficient, it has negative coefficient. It’s mean that the bank managements should be concern on the BOPO variable to improve profitability on their Financial Performance. Disintermediary functions of bank that occurs in the research periods is the reason for unsignificant CAR and NPL variable to ROA variable wich is as a proxy of Financial Performance Banking Firms.

scholarly journals Analisis Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Dan Suku Bunga Kredit Konsumsi Terhadap Penyaluran Kredit Pemilikan Rumah (KPR) Bank BTN

2020 ◽  
Vol 4 (2) ◽  
pp. 89-103
Author(s):  
Reza Christiamanah Agatha ◽  
Wiwin Priana
Keyword(s):  
Time Series ◽  
Time Series Data ◽  
Capital Adequacy ◽  
Series Data ◽  
Capital Adequacy Ratio

Dalam penelitian ini data yang digunakan adalah data sekunder berupa data berkala (time series data) dalam periode tahun 2009-2018, data tersebut dianalisa dengan menggunakan program olah data statistik SPSS (Statistical Product and Sevice Solution) versi 13.0 analisa regresi liniear berganda. Kesimpulan dari penelitian ini yakni secara simultan variabel Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), dan Suku Bunga Kredit Konsumsi berpengaruh terhadap penyaluran Kredit  Pemilikan Rumah (KPR) Bank BTN. Sedangkan secara parsial atau secara individual variabel Non Performing Loan (NPL) dan Suku Bunga Kredit Konsumsi berpengaruh terhadap penyaluran Kredit Pemilikan Rumah (KPR) Bank BTN , sedangkan Capital Adequacy Ratio (CAR) dan Non Performing Loan (NPL) tidak berpengaruh secara signifikan terhadap penyaluran Kredit Pemilikan Rumah (KPR) Bank BTN

scholarly journals Analysis of the influence of the ratio CAR, PPAP, NPM, BOPO, LDR and IER the financial performance of the banking company listed on the stock exchange

2019 ◽  
Author(s):  
Perli Sriwahyudi
Keyword(s):  
Financial Performance ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Profit Margin ◽  
Financial Reports ◽  
Purposive Sampling ◽  
Operation Efficiency ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Independent Variable

The objectives of this research to analize theinfluence of Capital Adequacy Ratio (CAR), Allowancefor uncollectible (PPAP), Net Profit Margin(NPM),Operation Efficiency (BOPO), Loan to DepositRatio (LDR) and Interest Ekspanse Ratio (IER) to Returnon Asset (ROA) wich is as a proxy of FinancialPerformance Banking Firms wich listed on BEI in year2010 until year 2015 periods. This research using timeseries data from Bank Indonesia’s three monthlypublished financial reports Banking Firms wich listed onBEI in year 2010 until year 2015 periods. After passedthe purposive sampling phase, the number of validsample is 5 Banking Firms wich listed on BEI. The results showed that the variable CAR, NPM,ROA, LDR and IER no significant effect on ROA. WhilePPAP significant effect on ROA. From the dataprocessing discovered the value of R-Square 0.418747This means that the independent variable (CAR, PPAP,NPM, ROA, LDYR and IER) affect ROA (FinancialPerformance) amounting to 41.87% while the remaining58.13% influenced by other factors.

scholarly journals Implementation of the Indonesian Banking Architecture as a Blueprint of the Direction And Order of the National Banking System: Empirical Study of Indonesian Commercial Banking

The Winners ◽  
2015 ◽  
Vol 16 (1) ◽  
pp. 6
Author(s):  
Devy M. Puspitasari ◽  
Nugroho J. Setiadi ◽  
Nurrina Rizkiyanti
Keyword(s):  
Significant Influence ◽  
Time Series Data ◽  
Stock Exchange ◽  
Banking System ◽  
Commercial Banking ◽  
Capital Adequacy ◽  
Series Data ◽  
Financial Reports ◽  
Capital Adequacy Ratio ◽  
Conventional Banks

This study aims to examine the influence of Capital Adequacy Ratio (CAR), earning assets, and liquidity against Return on Asset (ROA) in the conventional bank which has the biggest asset listed in Indonesian Stock Exchange (IDX) during the period of 2006 to 2010. This research used time series data from Bank Indonesia’s report and financial reports annually published by banking firms listed in IDX. After passing the purposive sampling, there were 27 conventional banks listed in IDX as sample in this study. By using multiple regression analysis (F-test), results showed that CAR, Non Performing Loan (NPL), and Non Performing Loan (NPL) collectively have significant influence on ROA. However, by using individual analysis (t-test), NPL has a negative and significant influence on ROA, while CAR and LDR have no significant influence on ROA.

scholarly journals EFFECT OF MACROECONOMY, CAPITAL ADEQUACY RATIO, AND NON PERFORMING FINANCING ON RETURN ON ASSETS : Study Empirical at PT. Bank Syariah Mandiri

2021 ◽  
Vol 22 (1) ◽  
pp. 39-49
Author(s):  
Muhammad Nasir Nasir ◽  
Muhammad Yazid AR ◽  
Rusydi Rusydi Rusydi ◽  
Anggya Sophia Imannisa
Keyword(s):  
Time Series ◽  
Research Method ◽  
Sampling Method ◽  
Time Series Data ◽  
Quadratic Equation ◽  
Capital Adequacy ◽  
Series Data ◽  
Return On Assets ◽  
Future Performance ◽  
Capital Adequacy Ratio

The purpose of this study is to determine the influence of macroeconomic, CAR, and NPF variables against ROA at PT. Bank Syariah Mandiri in Indonesia. The data used in this study was Time Series data from 2008-2019. The sample in this study uses the saturated or census sampling method, where the entire population is sampled.The research method used in this study is a multiple regression with the smallest quadratic equation. The results showed that simultaneously inflation, GDP, price of gold, CAR and NPF had significant effect on ROA. In partial GDP, and NPF have negative and significant effect on ROA, while inflation, gold prices, and CAR have no significant effect on ROA. The fifth ability of the variable explains ROA by 67.6% while the remaining 32.4% is influenced or explained by other variables not included in the study. These results are expected to be beneficial to sharia banking, especially PT Bank Syariah Mandiri Syariah in order to better improve the future performance

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH PERIODE 2015-2020

2021 ◽  
Vol 8 (1) ◽  
pp. 64
Author(s):  
Anisatun Muazaroh ◽  
Dina Fitrisia Septiarini
Keyword(s):  
Time Series ◽  
Time Series Data ◽  
Capital Adequacy ◽  
Rate Of Return ◽  
Series Data ◽  
Islamic Banking ◽  
Business Units ◽  
Capital Adequacy Ratio ◽  
Data Regression ◽  
Result Show

ABSTRAKPenelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi tingkat bagi hasil deposito mudharabah pada perbankan syariah periode 2015-2020. Variabel dependen dalam penelitian ini adalah tingkat bagi hasil deposito mudharabah, sedangkan variabel independen adalah Financing to Deposit Ratio, Beban Operasional terhadap Pendapatan Operasional, Capital Adequacy Ratio,  Inflasi dan BI 7-Day Rate. Populasi penelitian ini adalah industri perbankan syariah periode 2015-2020. Sampel yang digunakan adalah sampel jenuh, yakni menggunakan seluruh industri bank umum syariah dan unit usaha syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi data time series. Data penelitian ini diambil dari statistik bank syariah yang bersumber dari OJK, data BI 7-Day Rate dan Inflasi bersumber dari website BI. Hasil penelitian ini menunjukkan secara parsial Inflasi dan BI 7-Day Rate yang memiliki pengaruh signifikan positif serta variabel CAR memiliki pengaruh signifikan negatif terhadap tingkat bagi hasil deposito mudharabah. Sedangkan, FDR dan BOPO tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah. Secara simultan, variabel FDR, BOPO, CAR, Inflasi dan BI 7-Day Rate memiliki pengaruh signifikan terhadap ringkat bagi hasil deposito mudharabah pada perbankan syariah di Indonesia periode 2015-2020Kata Kunci: Financial to Deposit Ratio, Beban Operasional terhadap Pendapatan Operasional, Capital Adequacy Ratio, Inflasi, BI 7-Day Rate, Tingkat Bagi Hasil Deposito. ABSTRACTThe purpose of this research is to analyze the factors that effect the rate of return mudharabah deposits on Islamic banking in Indonesia in the 2015-2020 period.  The dependent variable in this research is the rate of return mudharabah deposits, while the independent variable is Financing to Deposit Ratio, Operational Effeciency Ratio, Capital Adequacy Ratio, Inflation, and BI 7-Day Rate. The population of this research is Islamic banking industry in the 2015-2020 period. the research used saturation sampling, which used all sharia general banks and sharia business units. This research used quantitative approach by using time series data regression analysis. Sample that used in this research were taken from Islamic Bank Statistic issued by OJK, while BI Rate and Inflation taken from www.bi.go.id. The result show that Inflation and Bi 7-Day Rate has positive significant on the rate of return mudharabah deposits and variable CAR has negative significant on the rate of return mudharabah deposits. While FDR and BOPO has no effect on the rate of return mudharabah deposits. Simultaneously, variable FDR, OER, CAR, Inflation, and BI 7-Day Rate has a significant on the rate of return mudharabah deposits on Islamic banking in Indonesia 2015-2020 period.Keywords: Financing to Deposit Ratio, Operational Effeciency Ratio, Capital Adequacy Ratio , Inflation, BI 7-Day Rate, the rate of return mudharabah deposits.

scholarly journals PENGARUH NET INTEREST MARGIN (NIM), BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN BURSA EFEK DI NEGARA INDONESIA, MALAYSIA, DAN THAILAND

2017 ◽  
Vol 29 (1) ◽  
pp. 9-19
Author(s):  
Juhasdi Susono
Keyword(s):  
Time Series ◽  
Cross Section ◽  
Operating Cost ◽  
Capital Adequacy ◽  
Series Data ◽  
Independent Variables ◽  
Pooled Data ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to determine the effect of Net Interest Margin (NIM), Operational Income Operating Cost (BOPO), Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPL) on banking stock exchange company profitability in Indonesia, Malaysia and Thailand. This research was a quantitative, aimed to work out a systematically explain on the facts and properties of object in the research then merger was done between related variables in it with the presentation of secondary data from the financial statements of banking companies in Indonesia, Malaysia and Thailand. The population used in this study was banking company listed in Indonesia, Malaysia and Thailand stock exchanges in the period of 2010 to 2016. The sample used in this study as many as 24 banking companies in Indonesia, Malaysia and Thailand using purpose sampling method to obtain a representative sample that matches the criteria that have been made. In this study, data analysis method used was panel data (pooled data) which is a combination of time-series data and data between individuals or space (cross section) in banking companies in Indonesia, Malaysia and Thailand. Research Results for banking companies in Indonesia gained value of R square model of 0.222 percent, means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 22.20 percent of the remaining 78.80 percent explained by other factors not studied here. Next, In Malaysia R value of this model square of 0.335 percent means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 33.50 percent on the remaining 66.50 percent explained by other factors not included in the study this. While in Thailand, R square value of this model was 0.266 percent means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 26.60 percent of 73.40 percent was explained by other factors not discussed in this study.   Abstrak   Penelitian ini bertujuan untuk untuk mengetahui pengaruh Net Interest Margin (NIM), Biaya Operasional Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), dan Non Performing Loan (NPL) terhadap pofitabilitas perbankan di negara indonesia, malaysia, dan thailand. Penelitian ini merupakan penelitian kuantitatif yang tujuanya untuk mengerjakan suatu yang di jelaskan secara sistematis tentang fakta-fakta serta sifat dalam suatu objek dalam penelitian kemudian melakukan penggabungan antar variabel yang terkait di dalamnya dengan penyajian data sekunder dari laporan keuangan dari perusahaan perbankan di negara indonesia, malaysia dan thailand. Populasi yang di gunakan pada penelitian ini adalah perusahaan perbankan yang terdaftar di bursa efek indonesia, malaysia dan thailand dalam kurun waktu 2010 sampai 2016. Sampel yang di gunakan dalam penelitian ini sebanyak 24 perusahaan perbankan di negara indonesia, malaysia, dan thailand dengan menggunakan metode purpose sampling tujuanya untuk memperoleh sampel representatif yang sesuai kriteria yang sudah di pastikan. Pada penelitian ini, metode analisa data yang digunakan adalah data panel (pooled data) yang merupakan gabungan dari data antar waktu (time series) dan data antar individu atau ruang (cross section) di perusahaan perbankan di negara indonesia, malaysia dan thailand. Hasil Penelitian untuk perusahaan perbankan di negara indonesia Nilai R square model ini sebesar 0,222 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 22.20 persen sisanya sebesar 78.80 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini. Selanjutnya Di negara malaysia Nilai R square model ini sebesar 0,335 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 33.50 persen sisanya sebesar 66.50 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini. Sedangkan di negara thailand. Nilai R square model ini sebesar 0,266 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 26.60 persen sisanya sebesar 73.40 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini.

scholarly journals Determinant of Mudharabah Financing: A Study at Indonesian Islamic Rural Banking

ETIKONOMI ◽  
2017 ◽  
Vol 16 (1) ◽  
pp. 43-52 ◽  
Author(s):  
Erika Amelia ◽  
Eva Fauziah Hardini
Keyword(s):  
Exchange Rate ◽  
Time Series Data ◽  
Revenue Sharing ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Series Data ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect ◽  
Linear Regressions

This study aims to determine the variables that affect the financing in the Islamic rural banking in Indonesia. The data used in this study is a monthly time series data that is from June 2009 until June 2015 in the monthly financial statements Islamic Banking Statistics published by Bank Indonesia. The analytical method used in this research is multiple linear regressions. The results of data analysis showed that the variables simultaneously deposit fund, capital adequacy ratio, inflation, exchange rate and the level of revenue sharing significantly influence the composition of financing. Partially deposit funds and the exchange rate significant positive effect, while capital adequacy ratio had a negative effect. Variable inflation and the level of revenue sharing do not significantly influence the composition of financing. This result implies that Islamic rural banking should increase the deposit funds to increase the mudaraba financing.DOI: 10.15408/etk.v16i1.4638 

scholarly journals PENGARUH CAR, ROA, BI 7-DAY RATE, DAN INFLASI TERHADAP NON-PERFORMING FINANCING KPR PADA BANK UMUM SYARIAH PERIODE 2016-2018

2020 ◽  
Vol 7 (4) ◽  
pp. 774
Author(s):  
Rofadatul Hasanah ◽  
Dina Fitrisia Septiarini
Keyword(s):  
Commercial Banks ◽  
Time Series Data ◽  
Home Ownership ◽  
Negative Influence ◽  
Least Square ◽  
Capital Adequacy ◽  
Series Data ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Saturated Sample

This study aims to determine the effect of Capital Adequacy Ratio, Return on Assets, BI 7-Day Rate, and Inflation towards Non Performing Financing Mortgages in Islamic commercial banks in Indonesia. The population of this study is the Islamic commercial banks in the period 2015-2019. The sample used is a saturated sample, which uses all Islamic banks as research samples. This research uses a quantitative approach using time series data. All variables use the percentage of growth and show the results of the level stas so that the technique used is Ordinary Least Square (OLS) regression analysis which is processed using E-Views 10 software. The results of this study indicate partially the Capital Adequacy Ratio and Return on Assets variables have a negative influence significant to NPF KPR. While BI 7-Day Rate and Inflation variables do not have an influence on NPF KPR. Even so, the Capital Adequacy Ratio, Return on Assets, BI 7-Day Rate, and Inflation variables simultaneously have a significant effect on the Non Performing Financing of Mortgages in Islamic commercial banks in Indonesia in the 2015-2019 period.Keywords: Capital Adequacy Ratio (CAR),  Return on Assets (ROA), Inflasi,  Kurs, Non Performing Financing (NPF), Home Ownership Loan

scholarly journals Mengukur Kinerja Pra Merger Tiga Bank Umum Syariah dan Pengaruhnya Terhadap Return on Asset

2021 ◽  
Vol 8 (1) ◽  
pp. 70-78
Author(s):  
Hanif Artafani Biasmara ◽  
Pande Made Rahayu Srijayanti
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Performance Variables ◽  
Capital Adequacy Ratio

Abstrak  - Pada tahun 2020, telah ditetapkan pelaksanaan merger antara tiga Bank Umum Syariah yang merupakan anak perusahaan dari Bank Badan Usaha Milik Negara (BUMN). Dimana ketiga bank tersebut adalah PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, dan PT Bank BNI Syariah. Penelitian ini dilakukan untuk mengukur kinerja keuangan ketiga bank tersebut sebelum dilakukannya merger dan pengaruhnya terhadap Return on Asset (ROA). Dalam penelitian ini, kinerja keuangan akan diukur dengan variabel Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), dan persentase pertumbuhan Dana Pihak Ketiga (DPK). Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh melalui laporan keuangan tahunan dari masing-masing bank dengan periode tahun 2015-2019. Dimana data diolah dan dianalisis dengan menggunakan Regresi Linear Data Panel melalui perangkat lunak Stata 16. Kinerja ketiga Bank Umum Syariah sebelum dimerger menunjukkan hasil yang baik. Selama lima tahun terakhir CAR dan NPF memiliki kinerja yang memuaskan. FDR dan BOPO berada sedikit melenceng dari batas minimum ataupun maksimum. Berikutnya, pertumbuhan DPK rata-rata sebesar 15, 89333%. Seluruh variabel kinerja bank tersebut setelah dilakukan pengolahan data, menunjukkan bahwa variabel CAR, FDR, NPF, BOPO, dan pertumbuhan DPK bersama-sama memiliki pengaruh signifikan terhadap ROA. Sedangkan secara parsial, CAR, NPF, dan pertumbuhan DPK tidak memiliki pengaruh signifikan terhadap ROA. Tetapi FDR dan BOPO memiliki pengaruh signifikan terhadap ROA. Dimana melalui penelitian ini diharapkan dapat menjadi pertimbangan bagi PT Bank Syariah Indonesia Tbk dalam upaya memperoleh kinerja yang baik dan pertumbuhan profitabilitas yang tinggiKata Kunci: CAR, FDR, NPF, BOPO, Pertumbuhan DPK, ROA, Bank Umum Syariah Abstract - In 2020, the implementation of a merger between three Islamic Commercial Banks which are subsidiaries of the State-Owned Enterprise (BUMN) Bank has been determined. Where the three banks are PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, and PT Bank BNI Syariah. This research was conducted to measure the financial performance of the three banks before the merger, and their effect on Return on Assets (ROA). In this study, financial performance will be measured by the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Operational Costs and Operating Income (OEOI), and the percentage growth in Third Party Funds (TPF).The data used in this study is secondary data obtained through the annual financial reports of each bank for the period 2015-2019. Where the data is processed and analyzed using Linear Data Panel regression through Stata 16. The performance of the three Islamic Commercial Banks before the merger showed good results. Over the last five years, CAR and NPF have performed satisfactorily. FDR and BOPO have slightly deviated from the minimum or maximum limits. Next, the growth in deposits was an average of 15.89333%. All of these bank performance variables, after data processing, show that the variables CAR, FDR, NPF, OEOI, and TPF growth together have a significant effect on ROA. Meanwhile, partially, CAR, NPF, and TPF growth have not a significant effect on ROA. However, FDR and BOPO have a significant effect on ROA. Where through this research it is hoped that in the future it can be a consideration for PT Bank Syariah Indonesia, Tbk to obtain good performance and high profitability growth.Keywords: CAR, FDR, NPF, OEOI, TPF Growth, ROA, Islamic Commercial Banks

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