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

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.

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

AKUNTABILITAS ◽  
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.

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

2020 ◽  
Vol 7 (11) ◽  
pp. 2074
Author(s):  
Lailatul Ayuni ◽  
Lina Nugraha Rani
Keyword(s):  
Panel Data ◽  
Commercial Banks ◽  
Annual Report ◽  
Liquidity Risk ◽  
Capital Adequacy ◽  
Influential Factor ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

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

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 ANALISIS KINERJA KEUANGAN BANK UMUM KONVENSIONAL DENGAN ASET TERENDAH DI INDONESIA PERIODE 2014-2017

2019 ◽  
Vol 23 (1) ◽  
pp. 19-28
Author(s):  
Jefri Thomi da Costa Boreel ◽  
Mintarti Ariani ◽  
Bambang Budiarto
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This research aims to analyze the payback or Return on Assets (ROA) which has very significant effect against the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operatingexpenses against the operating income (BOPO). This research uses population of 13 commercial banks with the lowest accounting assets in Indonesia for 2014-2017 period. In this research, the secondary data is taken in the form of the financialstatements of the bank starting from 2014 until 2017. Technique of data analysis in this study uses regression analysis panel where Return on Asset (ROA) as its dependent variabel and the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against operating income (BOPO) as its independent variabel. The results of this research provide evidence that Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against the operating income (BOPO) partially have significant influence towards Return on Asset (ROA) on 13 commercial banks, while Loan to Deposit Ratio (LDR), and the Capital Adequacy Ratio (CAR) partially do not havesignificant influence towards Return on Asset (ROA).

scholarly journals Factors affecting net interest margin of joint-stock commercial banks in Vietnam

2017 ◽  
Vol 24 (01) ◽  
pp. 92-103
Author(s):  
An Pham Hoang ◽  
Loan Vo Thi Kim
Keyword(s):  
Commercial Banks ◽  
Secondary Data ◽  
Regression Method ◽  
Factors Affecting ◽  
Managerial Efficiency ◽  
Net Interest Margin ◽  
Panel Data Regression ◽  
Data Regression ◽  
Negative Effect ◽  
Interest Margin

This study analyzes factors affecting net interest margin of joint-stock commercial banks in Vietnam. The paper uses the secondary data of 26 banks with 182 observations for the period of 2008–2014 and applies the panel data regression method. The empirical results indicate that lending scale, credit risk, capitalization, and in-terest rate have positive impacts on net interest margin. In contrast, managerial efficiency has a negative effect on net interest margin. However, bank size and loan to deposit ratio are statistically insig-nificant to net interest margin.

scholarly journals Pengaruh Faktor Internal dan Faktor Eksternal terhadap Perataan Laba Bank Umum Syariah Indonesia Periode 2014-2018

2021 ◽  
Vol 1 (2) ◽  
pp. 511-523
Author(s):  
Setiawati Indah Gempita ◽  
Leni Nur Pratiwi ◽  
Lili Masli
Keyword(s):  
Commercial Banks ◽  
Audit Committee ◽  
Secondary Data ◽  
Income Smoothing ◽  
Capital Adequacy ◽  
Good Corporate Governance ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Data Regression ◽  
Internal And External Factors

This study aims to see the effect of Total Financing (TF), Non Performing Financing (NPF), Earnings Before Taxes and Provision (EBTP), Good Corporate Governance (GCG) proxied by the Audit Committee, Capital Adequacy Ratio (CAR), BI rate. and Inflation on Income Smoothing at Islamic Commercial Banks (BUS) for the period 2014-2018. This research is a quantitative study, the selection was by purposive sampling method. The data used are secondary data. The data analysis method uses panel data regression analysis using the Eviews10 program tool. The data population in this study were 12 Islamic commercial banks in Indonesia which will be sampled in the study. The results of this study indicate that simultaneously internal and external factors have a significant effect on income smoothing. Partially the NPF, EBTP, GCG, CAR variables have a significant effect on income smoothing, while TF, BI rate and the inflation rate do not have a significant effect on income smoothing.

scholarly journals Indikator Risk Based Bank Rating, Kinerja Keuangan dan Perusahaan Perbankan

2021 ◽  
Vol 31 (3) ◽  
pp. 782
Author(s):  
Ida Bagus Made Bayu Indrawan ◽  
I Wayan Pradnyanta Wirasedana
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The research aims to prove empirically the influence of Non-Performing Loans, Loans to Deposit Ratio, Good Corporate Governance, Net Interest Margin, and Capital Adequacy Ratio on financial performance of banking companies listed on the IDX. Agency theory and Productive theory of credit are the theories used in this study. The study population is all Banking Companies listed on the Indonesia Stock Exchange (IDX) in 2014-2018 totaling 45 companies. The research sample of 30 companies with non-probability sampling method with purposive sampling technique. The data analysis technique used is multiple linear regression. The research results obtained by Non Performing Loans are considered negative, Loan to Deposit Ratio and Good Corporate Governance are not approved and are significant, Net Interest Margin and Capital Adequacy Ratio have positive and significant effect on financial performance. Keywords: Non Performing Loan; Loan to Deposit Ratio; Good Corporate Governance; Net Interest Margin; Capital Adequacy Ratio; Financial Performance.

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK PEMERINTAH DENGAN BANK UMUM SWASTA NASIONAL

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

scholarly journals 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

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.

scholarly journals Analisis Faktor Spesifik Bank Terhadap Non Performing Loan Pada Bank Umum Konvensional Yang Terdaftar Di Bursa Efek Indonesia

Owner ◽  
2022 ◽  
Vol 6 (1) ◽  
pp. 43-55
Author(s):  
Meily Juliani
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Return On Equity ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Specific Factors ◽  
Conventional Banks ◽  
Interest Margin

The purpose of this research is to analyze the effect of bank specific factors on non-performing loan on public conventional banks. The dependent variable studied was the non-performing loan and independent variables examined were capital adequacy ratio, bank size, loan to deposit ratio, net interest margin, return on equity, operating expenses to operating income, and earning per share.  The secondary data obtained from the annual reports submitted in the IDX. Sample consist of 32 public conventional banks listed in IDX in the period of 2012-2017. The result of this study indicate that bank size and net interest margin has a positive and significant impact on non-performing loan. While return on equity showed a negative and significant impact on non-performing loan. The result of this study also showed that capital adequacy ratio, loan to deposit ratio, operating expenses to operating income and earning per share did not have any significant impact on non-performing loan.

Sign in / Sign up

Export Citation Format

Share Document