scholarly journals Capital Adequacy Ratio (Car) dan Faktor-Faktor Yang Mempengaruhinya di Bank Syariah Mandiri (Periode Maret 2012 - Maret 2019)

2021 ◽  
Vol 6 (2) ◽  
pp. 168-184
Author(s):  
Ismaulina Ismaulina ◽  
Ayu Wulansari ◽  
Mira Safira
Keyword(s):  
Significant Influence ◽  
Research Method ◽  
Capital Adequacy ◽  
Important Indicator ◽  
Independent Variables ◽  
Simultaneous Test ◽  
Capital Adequacy Ratio ◽  
Quantitative Descriptive

CAR variable is the most important indicator of bank health according to BI. CAR is influenced by NPF, ROA, BOPO, FDR. The problem is how partially the influence of NPF, ROA, BOPO, FDR on CAR in BSM from March 2012-March 2019? Do NPF, ROA, BOPO, FDR simultaneously affect CAR? The research method used is quantitative descriptive with SPPS analysis version 22. The results showed that the NPF value of t-count was 0.449 <t table 1.705, so that it received Ho1 so that it could be concluded that NPF had no effect on CAR at PT. BSM for March 2012-March 2019. While ROA, BOPO and FDR affect the CAR of PT. BSM. This can be seen from the value of each variable at the t-value higher than the t-table value. ROA t-count 2,262> 1,705 t-tables. BOPO value of t-itung 1.916> t-table 1.705. and FDR value t-count -2.969> t-table 1.705, and for the simultaneous test F count> F table (3.286> 2.98) with a significant value of 0.028> α = 5% (0.05). This means that there is a significant influence together between all the independent variables on the dependent variable in PT.BSM.

scholarly journals The Determinants of Net Interest Margin: An Empirical Study of Indonesia Category-IV Banks for the Period of 2014-2017

2021 ◽  
Vol 39 (12) ◽  
Author(s):  
Chandra Setiawan ◽  
Ni Made Maylananda Maharani Wisna
Keyword(s):  
Interest Rate ◽  
Significant Influence ◽  
Capital Adequacy ◽  
Operating Efficiency ◽  
Efficiency Ratio ◽  
Independent Variables ◽  
Net Interest Margin ◽  
Interest Rate Volatility ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Bank’s Net Interest Margin (NIM) is a key indicator on how bank performs its intermediary function and necessary for the financial system stability. NIM is influenced by both internal and external determinants. This study aims to analyze these internal and external determinants of NIM for Indonesia’s Category-IV banks in the period of 2014 to 2017. The internal determinants used as independent variables are Loan to Deposit Ratio (LDR), Operating Efficiency Ratio (OER), and Capital Adequacy Ratio (CAR). Meanwhile, the external determinants used as independent variables are Interest Rate volatility and Inflation. This study uses four Indonesia’s Category-IV banks which were chosen by purposive sampling methodology based on criteria set with quarterly time horizon. These 4 commercial banks are those listed as ‘Category-IV’ or BUKU 4 during the study’s time frame. The statistical approach being used is panel least square fixed effect model. This study reveals that Loan to Deposit Ratio (LDR), Operating Efficiency Ratio (OER), and Inflation have positive significant influence toward NIM. In contrast, Capital Adequacy Ratio (CAR) shows negative significant influence, while Interest Rate volatility contributes insignificantly to NIM. The overall findings underlined that contribution of internal factors are consistent in influencing the value of NIM in a significant way.

scholarly journals ANALISIS TINGKAT PROFITABILITAS BANK DENGAN METODE RISK BASED BANK RATING

2018 ◽  
Vol 22 (2) ◽  
pp. 69-82
Author(s):  
Meliske Sitanaya
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Commercial Bank ◽  
Significant Influence ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Panel Regression ◽  
Independent Variables ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

This research aims to analyze whether the, Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM),) and Capital Adequacy Ratio (CAR) have significantinfluencesimultaneously and partially toward Return On Asset (ROA). This research classifiedthe verifiation research. The population is conventional commercial bank period 2006-2015. Sample was determined by the higher bank asset, a total of ten companies. The secondary data were taken such as from financialreport of Banks started from 2006 until 2015. The technique of data analysis in this research using panel regression analysis. ROA as a dependent variable, NPL, LDR, NIM and CAR as independent variables. Data processing using E-views 6. The result provides evidence that NPL and CAR have significantinfluencesimultaneously toward ROA, while NIM and LDR are not significantinfluencesimultaneously toward ROA. NPL partially have negative significantinfluencetoward ROA, LDR and NIM partially positive are not significantinfluencetoward ROA, and CAR partially have positive significant influence towd ROA.

scholarly journals DETERMINAN PENYALURAN KREDIT UMKM BANK PERSERO

2018 ◽  
Vol 9 (1) ◽  
Author(s):  
Ashriza Kusuma Wardhana ◽  
Augustina Kurniasih
Keyword(s):  
Regression Model ◽  
Significant Influence ◽  
Descriptive Analysis ◽  
Model Analysis ◽  
Capital Adequacy ◽  
Third Party ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Sme Lending

ABSTRACT                The purpose of this research is to analyze the influence of Third Party Fund (DPK), Capital Adequacy Ratio (CAR) and Non Performing Loan (NPL) to SME Credit Lending at Bank Persero Period Year 2009 - 2015. The method used are descriptive analysis and regression model analysis preceded by the classical assumption test that the data used variables free of problems of normality, multicollinearity, heteroschedasticity, and autocorrelation. The result of the research shows that independent variables simultaneously have an effect on the credit of UMKM. Partially found that DPK, CAR, and NPL have no significant effect on SME credit distribution, the additional variables Yt-1 and Yt+1 are obtained because there are correlation symptoms that show positive and significant influence. This is in line with PBI No. 17/12/PBI/2015 on SME lending, which stipulates that SMEs lending should increase annually as a percentage determined by Bank Indonesia. Keyword :       Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), micro (UMKM) credit lending, Goverment owned bank

scholarly journals ANALISIS FAKTOR – FAKTOR YANG BERPENGARUH TERHADAP PROFITABILITAS PERBANKAN YANG GO PUBLIC DI BURSA EFEK INDONESIA PADA TAHUN 2012 - 2016

2019 ◽  
Vol 15 (1) ◽  
Author(s):  
Astohar Astohar
Keyword(s):  
Significant Influence ◽  
Banking Sector ◽  
Capital Adequacy ◽  
Main Function ◽  
Going Public ◽  
Operating Income ◽  
Operational Costs ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Banking plays a role in economic development, namely in spurring economic growth. The main function of the bank is as a financial intermediary from parties who have excess funds with those who lack funds. The existence of the banking sector has an important role, which in the life of the community mostly involves services from the banking sector. Banking profitability is a ratio to determine the financial performance of banks. Research from Ali and Laksono (2017) is still interesting to develop both the variables and the object of research. In this study, the variable capital adequacy ratio (CAR) added with consideration that there were still differences between researchers.This study took the object of banks going public on the Indonesia Stock Exchange. Banks that went public in 2016 were 43 banks. After checking as many as 26 banks that can be taken as samples through purposive random sampling technique. 17 banks that cannot be used as samples include going public in the year after 2012 and the absence of complete data. The analytical tool used is multiple regression equation test with the requirement to meet normal criteria and no classical assumption deviations occur.The results showed that the capital adequacy ratio (CAR), loan to deposit ratio (LDR), operational costs and operating income (BOPO) proved to have a negative and significant influence on banking profitability. Net interest margin (NIM) is proven to have a positive and significant influence on banking profitability. Non-performing loans (NPLs) are proven to have a negative and insignificant effect on banking profitability. Large variations in capital structure variables in banks that go public in Indonesia can be explained by variations in the variables of capital adequacy ratio (CAR), non-performing loans (NPL), loan to deposit ratio (LDR), operational costs and operating income (BOPO), net interest margin (NIM) is 92.3%.

scholarly journals Efficiency and Rentability of Islamic Banks in Indonesia

INOVATOR ◽  
2020 ◽  
Vol 9 (1) ◽  
pp. 41
Author(s):  
Sugeng Haryanto ◽  
Yanuar Bachtiar ◽  
Wildani Khotami
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Bank Efficiency ◽  
Macroeconomic Factors ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Financing Risk ◽  
Quantitative Descriptive

<table border="1" cellspacing="0" cellpadding="0"><tbody><tr><td valign="top" width="454"><p><em>This study aims to analyze the influence of macroeconomic factors, efficiency, risk, financing to deposit ratio and CAR on the rentability of Islamic banks. This research is a quantitative descriptive. The study period was conducted in 2010-2019, with quarterly data. The data source is secondary data. Data collection techniques are done by documentation. Data is taken from www.ojk.go.id and www.bi.go.id. The type of data used is quantitative data. The research variables are rentability, efficiency, financing risk, FDR, Capital Adequacy Ratio (CAR) and macroeconomic data in the form of GDP and inflation. Rentability is measured by Nett operating margin (NOM), bank efficiency is measured using BOPO and financing risk is measured by non-performing financing (NPF). The analysis technique used is multiple linear regression. The results showed that the GDP variable did not affect rentability. Efficiency, risk, and CAR affect rentability. FDR does not affect rentability</em><em>.</em></p></td></tr></tbody></table>

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 PENGARUH KINERJA KEUANGAN TERHADAP PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA (PERIODE 2009-2013)

2016 ◽  
Vol 5 (2) ◽  
Author(s):  
Irma Safitri ◽  
Nadirsyah Nadirsyah ◽  
Darwanis Darwanis
Keyword(s):  
Commercial Banks ◽  
Research Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Independent Variables ◽  
The Third ◽  
Capital Adequacy Ratio ◽  
Observation Period

The purposes of this research were to determine the effect of the financial performance of Islamic commercial banks in Indonesia on financing, both individually and simultaneously. The performance was measured through Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR). These four independent variables to be tested influence on the dependent variable. This research used census method that includes all of the Islamic banks in Indonesia for observational data. Research data observation period from 2009 until 2013 a total of 11 banks. Multiple linear regression was used to analyze the data.The results of this study found that the Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR) affect the financing, both individually and simultaneously. Fluctuations in either an increase or decrease of financing that occurred in Islamic banking in Indonesia is determined by the four independent variables. That is to say, the four independent variables that have an important role in the financing of Islamic banking in Indonesia. =========================================== Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan bank umum syariah di Indonesia terhadap pembiayaan, baik secara parsial maupun simultan. Kinerja keuangan diukur melalui Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) Keempat variabel bebas tersebut akan diuji pengaruhnya terhadap satu variabel tidak bebas. Penelitian ini adalah penelitian sensus, yakni memasukan semua bank umum syariah yang ada di Indonesia ke dalam data pengamatan. Periode pengamatan data penelitian dari tahun 2009 s.d 2013 yang berjumlah 11 perbankan. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian ini menemukan bahwa Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) berpengaruh terhadap pembiayaan pada perbankan syariah di Indonesia, baik secara parsial maupun simultan. Fluktuasi baik itu peningkatan atau penurunan pembiayaan yang terjadi pada perbankan syariah di Indonesia ditentukan oleh keempat variabel bebas tersebut. Sehingga dapat dikatakan bahwa, keempat variabel bebas tersebut mempunyai peranan penting atas pembiayaan pada perbankan syariah di Indonesia.

scholarly journals PENGUATAN STRUKTUR MODAL SEBAGAI PEMENUHAN REGULASI DAN PENDUKUNG PENGEMBANGAN BISNIS

2020 ◽  
Vol 12 (1) ◽  
pp. 43-51
Author(s):  
Tedi Setiawan ◽  
Jaja Suteja ◽  
Ellen Rusliati
Keyword(s):  
Capital Structure ◽  
Research Method ◽  
Banking Industry ◽  
Market Competition ◽  
Descriptive Analysis ◽  
Capital Requirements ◽  
Capital Adequacy ◽  
Effective Strategies ◽  
Capital Adequacy Ratio ◽  
The Impact

Decision on capital structure have an important role in determinig banking performance.This study aims to find alternative strategies for Bank X in fulfilling the capital requirements and to measure its the effectivities in order to reach the capital requirements of the Bank X to be in accordance with the regulations in 2018. The results of this study are expected to provide useful information related to the importance of strengthening the capital structure of the company, especially in the banking industry in order to maintain the continuity of business and to win in the market competition. The study was conducted at Bank X was located in Bandung. The research method used was survey with qualitative research approaches. While the type of research was explorative descriptive analysis. The results of the study was found three effective strategies to meet the capital needs of Bank X in 2018, namely asset revaluation, reduction in dividend payout ratio (DPR) and the issuance of subordinated bonds. These three strategies could improve Capital Adequacy Ratio (CAR). while alternative simulations need to be carried out to determine the impact of the decision making.

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 NPF, FDR, CAR dan Inflasi terhadap Penyaluran Pembiayaan Modal Kerja pada BPRS di Indonesia

2020 ◽  
Vol 1 (1) ◽  
pp. 137-151
Author(s):  
Hasna Rohmatunnisa ◽  
Leni Nur Pratiwi
Keyword(s):  
Analysis Data ◽  
Capital Adequacy ◽  
Analysis Method ◽  
Working Capital ◽  
Financial Service Authority ◽  
Linear Effect ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Capital Financing ◽  
Linear Effects

This research aims to analyze how the independent variables of Non Performing Financing, Financing  to Deposit Ratio, Capital Adequacy Ratio, and Inflation impact for the Distribution of Working Capital Financing. Data analysis method is multiple regression analysis, data obtained by monthly reports from Islamic Banking Statistics which published by Indonesia Financial Service Authority  (OJK) and Inflation data which published by Indonesia Bank period Jan 2014 until Dec 2018 with the total of 58 data samples. The result of this research shows that Non Performing Financing (NPF) has a significant positif  linear effect on Working Capital Financing, Financing to Deposit Ratio (FDR) and Capital Adequacy Ratio (CAR) have significant negative linear effects on Working Capital Financing, while Inflasi had no effect on Working Capital Financing. Concurrently, all the variables have significant effects on Working Capital Financing.

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