ANALISIS FAKTOR PENENTU DAN INDIKATOR EKONOMI PADA NET INTEREST MARGIN                        BANK SYARIAH

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh faktor penentu Margin Bank Umum Syariah melalui variabel Capital Adequacy Ratio, Risiko Likuiditas, NPF, Bank Size dan indikator makroekonomi GDP dan Inflasi terhadap Net Interest Margin Periode 2011 - 2018 secara simultan dan parsial. Pengambilan sampel dengan teknik Purposive Sampling diperoleh 11 Bank Umum Syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis regresi data panel. Data penelitian diambil dari website resmi yang dipublikasikan oleh Bank Indonesia (BI) dan Otoritas Jasa Keuangan (OJK) serta Annual Report masing – masing bank. Hasil penelitian menunjukkan adanya pengaruh signifikan antara CAR, Risiko Likuiditas, Bank Size, GDP, terhadap NIM Bank Umum Syariah. Sedangkan untuk variabel NPF dan Inflasi tidak berpengaruh signifikan. Hasil menunjukkan variabel GDP merupakan faktor yang paling berpengaruh pada Determinan Margin Bank Umum Syariah. Berdasarkan hasil penelitian tersebut, diharapkan pemerintah atau regulator dapat membantu peran perbankan dalam memberikan kebijakan dengan bentuk penyempurnaan keberpihakan regulasi dalam mendukung perbankan syariah.Kata Kunci: Net Interest Margin, Capital Adequacy Ratio, Risiko Likuiditas, Net Performing Financing, Bank Size, Makroekonomi, Bank Umum Syariah ABSTRACTThis study aims to determine the influence of the determinants of Shariah commercial bank margin through the variables of Capital Adequacy Ratio, Liquidity Risk, NPF, Bank Size and macroeconomic indicators of GDP and Inflation on the Net Interest Margin Period 2011 - 2018 simultaneously and partially. Sampling with purposive sampling technique obtained 11 Islamic Shariah commercial banks. This study uses a quantitative approach with panel data regression analysis techniques. The research data is taken from the official website published by Bank Indonesia (BI) and the Financial Services Authority (OJK) as well as the Annual Report of each bank. The results showed a significant influence between CAR, Liquidity Risk, Bank Size, GDP, on the NIM of Shariah Commercial Banks. Meanwhile, the NPF and inflation variables do not have a significant effect. The results showed that the GDP variable is the most influential factor on the Margin Determinants of Shariah Commercial Banks. Based on the results of this study, it is expected that the government or regulators can assist the role of banks in providing policies by improving regulatory alignments in supporting Islamic banking.Keywords: Net Interest Margin, Capital Adequacy Ratio, Liquidity Risk, Net Performing Financing, Bank Size, Macroeconomics, Sharia Banks

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DETERMINAN EFISIENSI PERBANKAN DI INDONESIA (STUDI EMPIRIS PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2012-2018)

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol7iss202012pp2436-2452 ◽

2020 ◽

Vol 7 (12) ◽

pp. 2436

Author(s):

Sri Farhatin Wulandari ◽

Muh. Nafik Hadi Ryandono

Keyword(s):

Commercial Banks ◽

Secondary Data ◽

Sampling Technique ◽

Capital Adequacy ◽

Important Indicator ◽

Purposive Sampling ◽

Net Interest Margin ◽

Panel Data Regression ◽

Capital Adequacy Ratio ◽

Interest Margin

ABSTRAKEfisiensi merupakan salah satu indikator penting dalam mengukur kinerja keseluruhan dari aktivitas perbankan. Penelitian ini bertujuan untuk mengetahui pengaruh variabel Capital Adequacy Ratio (CAR), Financing to Deposito Ratio (FDR), Net Interest Margin (NIM), dan Bank Size terhadap Efisiensi Bank Umum Syariah di Indonesia periode 2012-2018 yang diproksikan melalui Beban Operasional Pendapatan Operasional (BOPO). Metode yang digunakan adalah metode kuantitatif dengan teknik analisis regresi data panel menggunakan alat statistik Eviews 9.0. Data yang digunakan adalah data sekunder dengan teknik pengambilan sampel purposive sampling sehingga menghasilkan sampel sebanyak 11 Bank Umum Syariah di Indonesia. Hasil penelitian ini menunjukkan bahwa secara simultan variabel Capital Adequacy Ratio (CAR), Financing to Deposito Ratio (FDR), Net Interest Margin (NIM), dan Bank Size berpengaruh signifikan terhadap Efisiensi Bank Umum Syariah di Indonesia periode 2012-2018. Selanjutnya, secara parsial Capital Adequacy Ratio (CAR), berpengaruh negative dan signifikan, Financing to Deposito Ratio (FDR) berpengaruh positif dan signifikan, Net Interest Margin (NIM) berpengaruh positif dan tidak signifikan, dan Bank Size berpengaruh negatif dan signifikan terhadap efisiensi perbankan syariah.Kata Kunci: Efisiensi, CAR, FDR, NIM, Bank Size, Bank Syariah. ABSTRACTEfficiency is an important indicator in measuring the overall performance of banking activities. This study aimed to determine the effect of the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Net Interest Margin (NIM), and Bank Size on the Efficiency of Sharia Commercial Banks in Indonesia for the period 2012-2018, proxied through Operational Income Operational Expenses (BOPO). The method used was a quantitative method with panel data regression analysis techniques using statistical tools Eviews 9.0. The data were secondary data with purposive sampling technique to produce a sample of 11 Sharia Commercial Banks in Indonesia. The results of this study showed that simultaneously the variables of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Net Interest Margin (NIM), and Bank Size had a significant effect on the Efficiency of Islamic Commercial Banks in Indonesia for the period 2012-2018. Furthermore, partially Capital Adequacy Ratio (CAR) had a negative and significant effect, Financing to Deposit Ratio (FDR) had a positive and significant effect, Net Interest Margin (NIM) had a positive and insignificant effect, and Bank Size had a negative and significant effect on Sharia banking efficiency.Keywords: Efficiency, CAR, FDR, NIM, Bank Size, Sharia Bank.

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Kinerja Rasio Keuangan Perbankan Islam Dan Konvensional: Studi Komparatif

Liquidity ◽

10.32546/lq.v2i1.125 ◽

2018 ◽

Vol 2 (1) ◽

pp. 13-20

Author(s):

Amrizal Amrizal

Keyword(s):

Annual Report ◽

Capital Adequacy ◽

Average Increase ◽

Return On Assets ◽

Return On Equity ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Interest Margin

The article focuses to analyze finance ratio consist of Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM) Capital Adequacy Ratio (CAR) except Earnings before Interest Tax (EBIT). The research is conducted to three conventional banking (BNI 46, Mandiri and BRI) and three syariah banking (Bank Muamalat Indonesia, Bank Mega Syaria and Bank Syariah Mandiri) for annual report periods 2007 to 2011. The result shows, the average increase EBIT to conventional banking groups during period 2007 to 2011 are 1.91% while the average EBIT to syariah banking groups are 1.53%. The average of ROA to conventional banking groups are 3.01% while the average ROA to syariah banking groups are 1.99%. The average of ROE to conventional banking groups is 24.19% while the average of ROE to syariah banking groups is 33.31%. The average of NIM to conventional banking groups during period 2007 to 2011 are 7.08% while the average of NIM to syariah banking groups during period 2007 to 2011 are 8.14%. The average of CAR to conventional banking groups is 15.63%, while the average of CAR to syariah banking groups during the period are 12.19%.

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PENGARUH RASIO CAPITAL ADEQUACY, LOAN TO DEPOSIT, NET INTEREST MARGIN TERHADAP PERTUMBUHANLABA (STUDI KASUS PADA BANK UMUM KONVENSIONALYANG TERDAFTAR DI BURSA EFEK INDONESIA)

AKUNTABILITAS ◽

10.29259/ja.v11i2.8933 ◽

2019 ◽

Vol 11 (2) ◽

pp. 115-126

Author(s):

Bambang Suryadi ◽

Lis Djuniar

Keyword(s):

Commercial Banks ◽

Stock Exchange ◽

Secondary Data ◽

Capital Adequacy ◽

Test Results ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Research Population ◽

Profit Growth ◽

Interest Margin

This study is how Influence Ratio Capital Adequacy Ratio, Loan to Deposit Ratio, Net Interest Margin Against Profit Growth at Conventional Commercial Banks Listed on Indonesia Stock Exchange. the purpose of this study is to analyze the Influence of Capital Adequacy Ratio Ratio, Loan to Deposit Ratio, Net Interest Margin on Profit Growth at Conventional Commercial Banks Listed on Indonesia Stock Exchange. The type of research used is associative research. The research population is conventional commercial bank in Indonesia. The research variables are Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), and Profit Growth. The data used is secondary data. Data collection methods are quantitative. Partial test results show that NIM has a significant effect on Profit Growth, While CAR and LDR have no significant effect to Profit Growth.

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ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK PEMERINTAH DENGAN BANK UMUM SWASTA NASIONAL

Media Akuntansi ◽

10.47202/mak.v32i02.104 ◽

2020 ◽

Vol 32 (02) ◽

pp. 116-133

Author(s):

Vitalis Ari Widiyaningsih ◽

Heru Suwasono

Keyword(s):

T Test ◽

Capital Adequacy ◽

Purposive Sampling ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Interest Margin

Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisa perbedaan kinerja antara bank pemerintah dan bank umum swasta nasional periode 2017-2019. Perbandingan kinerja diukur dari Capital, Aset Quality, Earning & Efficiency, dan Liquidity. Populasi daam penelitian ini adalah semua bank yang terdaftar di Bursa Efek Indonesia selama periode penelitian yang berjumlah 33 bank. Metode sampling yang digunakan adalah purposive sampling. Sampel dalam penelitian ini adalah 4 bank pemerintah dan 4 bank umum swasta nasional. Teknik analisis data adalah uji beda yang dilakukan dengan independent sample t-test. Penelitian ini diharapkan dapat memberikan informasi empiris mengenai perbandingan kinerja bank pemerintah dengan bank umum swasta nasional. Kinerja yang dimasksud adalah dari nilai Capital Adequacy Ratio (CAR) yaitu mengenai kecukupan modal perbankan, Loan to Deposit Ratio (LDR) yaitu mengenai likuiditas perbankan, Non Performing Loan (NPL) yaitu mengenai kredit bermasalah, dan Net Interest Margin (NIM) yaitu mengenai profitabilitas perbankan.kinerja keuangan

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Pengaruh Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return on Assets, Loan To Deposit Ratio, dan Bank Size terhadap Harga Saham Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia

Jurnal Manajemen Bisnis dan Kewirausahaan ◽

10.24912/jmbk.v5i5.13330 ◽

2021 ◽

Vol 5 (5) ◽

pp. 546

Author(s):

Aries Santoso ◽

Carunia Mulya Firdausy

Keyword(s):

Significant Influence ◽

Stock Price ◽

Banking Sector ◽

Stock Exchange ◽

Capital Adequacy ◽

Return On Assets ◽

Purposive Sampling ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Interest Margin

This study aims to analyze the influence of Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return on Assets, Loan to Deposit Ratio, and Bank Size jointly and partially to Stock Price of banking sector company that listed on Indonesian Stock Exchange for period 2011-2018. This research used the purposive sampling method and obtained the 5 largest market capital banking sector companies as a sample. The analysis method used is multiple linear regression through SPSS 26 program. The results of this study show that Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, and Bank Size have significant influence to stock price. While Capital Adequacy Ratio, Non-Performing Loan, Loan to Deposit Ratio partially have significant influence on the stock price. Meanwhile, Net Interest Margin, Return On Asset, and Bank Size have not a significant influence on the stock price of banking sector company that listed on the Indonesian Stock Exchange for period 2011-2018. Penelitian ini dimaksudkan untuk mencari pengaruh Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, dan Bank Size mengenai keterkaitannya pada harga saham baik secara bersamaan maupun parsial terhadap harga saham perusahaan sektor bank yang ada di Bursa Efek Indonesia untuk periode penelitian 2011 – 2018. Penelitian ini mengunakan metode purposive sampling yang ditetapkan sebanyak 5 perusahaan sektor perbankan yang memiliki kapitalisasi pasar terbesar sebagai sampel. Metode analisis yang dipakai menggunakan regresi linear berganda melalui bantuan SPSS 26. Hasil penelitian membuktikan secara simultan, Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, dan Bank Size berpengaruh signifikan terhadap harga saham. Sementara secara parsial, Capital Adequacy Ratio, Non-Performing Loan, dan Loan to Deposit Ratio berpengaruh terhadap harga saham. Sedangkan Net Interest Margin, Return On Asset, dan Bank Size tidak berkaitan terhadap harga saham sektor bank yang terdaftar di Bursa Efek Indonesia periode 2011-2018.

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENGUNGKAPAN INFORMASI SUKARELA PADA BANK UMUM DI BURSA EFEK INDONESIA

Jurnal SIKAP (Sistem Informasi Keuangan Auditing Dan Perpajakan) ◽

10.32897/jsikap.v1i2.51 ◽

2017 ◽

Vol 1 (1) ◽

pp. 90

Author(s):

Audita Setiawan

Keyword(s):

Capital Adequacy ◽

Purposive Sampling ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Interest Margin

Penelitian ini bertujuan untuk mengetahui hubungan antara faktor-faktor yang mempengaruhi pengungkapan informasi sukarela pada Bank Umum yang terdaftar di Bursa Efek Indonesia dengan menggunakan data pada Laporan Tahunan. Penelitian ini menggunakan metode penelitian asosiatif untuk mencari hubungan antara satu variabel dengan variabel lain, sedangkan teknik pengambilan sampel yang digunakan adalah teknik purposive sampling, sehingga diperoleh sampel 12 perusahaan perbankan yang merupakan Bank Campuran yang terdaftar di Bursa Efek Indonesia pada tahun 2013-2015. Hasil penelitian menunjukan komponen likuiditas yaitu loan deposit ratio, komponen profitabilitas yaitu net interest margin dan komponen solvabilitas yaitu capital adequacy ratio secara bersama-sama memiliki pengaruh secara simultan terhadap pengungkapan informasi sukarela pada perusahaan, sedangkan secara parsial komponen likuiditas berpengaruh secara signifikan terhadap pengungkapan informasi sukarela ; komponen profitabilitas yaitu net interest margin tidak berpengaruh secara signifikan terhadap pengungkapan informasi sukarela dan komponen solvabilitas yaitu capital adequacy ratio tidak berpengaruh secara signifikan terhadap pengungkapan informasi sukarela.

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENGUNGKAPAN INFORMASI SUKARELA PADA BANK UMUM DI BURSA EFEK INDONESIA

Jurnal SIKAP (Sistem Informasi Keuangan Auditing Dan Perpajakan) ◽

10.32897/sikap.v1i2.51 ◽

2017 ◽

Vol 1 (1) ◽

pp. 90

Author(s):

Audita Setiawan

Keyword(s):

Capital Adequacy ◽

Purposive Sampling ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Interest Margin

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

Jurnal Madani : Ilmu Pengetahuan, Teknologi dan Humaniora ◽

10.33753/madani.v4i1.145 ◽

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.

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PENGARUH CAR, BOPO, NPL, NIM, DAN LDR TERHADAP ROA PADA PERUSAHAAN DI SEKTOR PERBANKAN YANG TERDAFTAR DI BEI PERIODE 2012-2016

10.31219/osf.io/k3w69 ◽

2019 ◽

Author(s):

Redwal Fernando ◽

Aminar Sutra Dewi

Keyword(s):

Regression Analysis ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Commercial Banks ◽

Stock Exchange ◽

Capital Adequacy ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

The Relationship ◽

Interest Margin

This study aims to examine the relationship between Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) for Return On Asstes (ROA). The number of samples used are 9 commercial banks listed on the Indonesia Stock Exchange period 2012-2016. The method used in this study using multiple regression analysis using Eviews 6. From the results of tests performed show that CAR statistically does not significantly influence tehadap ROA, BOPO significantly influence teh ROA, NPL has significant effect to ROA, different from NIM which has no significant effect on ROA, and LDR has significant effec on ROA.

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