scholarly journals PENGARUH KINERJA KEUANGAN DAN EFISIENSI TERHADAP RATE OF RETURN SIMPANAN MUDHARABAH BANK UMUM SYARIAH

2021 ◽  
Vol 8 (1) ◽  
pp. 1
Author(s):  
Rifka Mifta Aulia ◽  
Lina Nugraha Rani
Keyword(s):  
Random Effect ◽  
Random Effect Model ◽  
Capital Adequacy ◽  
Rate Of Return ◽  
Return On Equity ◽  
Islamic Bank ◽  
Net Interest Margin ◽  
Effect Model ◽  
Capital Adequacy Ratio ◽  
Interest Margin

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Financial Performance Return on Asset (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Giro Wajib Minimum (GWM), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), dan Capital Adequacy Ratio (CAR) terhadap Rate of Return (ROR) Bank Syariah. Random Effect Model (REM) digunakan dalam penelitian ini untuk menguji hubungan variabel independen terhadap variabel dependen, baik secara parsial maupun simultan. Hasil penelitian menunjukkan bahwa Return on Assets (ROA), Return on Equity (ROE), dan Net Interest Margin (NIM) berpengaruh positif dan signifikan terhadap Rate of Return (ROR) Bank Syariah. Sedangkan Capital Adequacy Ratio (CAR) berpengaruh negatif dan signifikan terhadap Rate of Return (ROR) Bank Syariah. Variabel FDR, GWM, dan Efisiensi Operasional serta Rasio Efisiensi Biaya tidak berpengaruh terhadap Rate of Return (ROR) Bank Syariah. Hal ini dipertimbangkan Bank Islam dapat meningkatkan rasio ROE, sehingga dapat meningkatkan modal untuk efektivitas tingkat pengembalian, dan membuat rasio Net Interest Margin menjadi lebih efisien.Kata kunci: ROA, ROE, FDR, GWM, BOPO, NIM, CAR, Bank Umum Syariah, Rate of Return. ABSTRACTThis study aims to determine the effect of Financial Performance Return on Asset (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Minimum Statutory Reserves (GWM), Operating Costs to Operating Income (BOPO), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR) on the Rate of Return (ROR) of Islamic Bank. Random Effect Model (REM) is used in this study to examine the relationship of independent variables to the dependent variable, both partially and simultaneously. The finding shows that Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM) have positive and significant effect on the Rate of Return (ROR) of Islamic Bank. Meanwhile, Capital Adequacy Ratio (CAR) has negative and significant effect on the Rate of Return (ROR) of Islamic Bank. Financing to Deposit Ratio (FDR), Reserve Requirement (GWM), and Operational Efficiency and Cost Efficiency Ratio variables have no effect on the Rate of Return (ROR) of Islamic Bank. This considered for the Islamic Bank to increase the ROE ratio, thus it can increase capital for the effectiveness of the rate of return, and make the Net Interest Margin ratio more efficient.Keyword: ROA, ROE, FDR, GWM, BOPO, NIM, CAR, Islamic Commercial Banks, Rate of Return.

scholarly journals Financial Determinants of Qardhul Hasan Financing Growth: Evidence from Islamic Banks in Indonesia

2016 ◽  
Vol 3 (1) ◽  
pp. 038
Author(s):  
Agus Saur Utomo ◽  
Novita Kusuma Maharani ◽  
Danes Quirira Octavio
Keyword(s):  
Random Effect ◽  
Random Effect Model ◽  
Fixed Effect Model ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Effect Model ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The purpose of this paper is to investigate the financial factors that determine the growth of qardhul hasan financing in the sharia banks in Indonesia. We employ financial ratios such as Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Net Interest Margin (NIM), Operational Cost to Operational Income (BOPO), Return on Asset (ROA) and Return on Equity (ROE) to explain the growth of qardhul hasan during 2011 to 2014.  This paper utilizes the fixed effect model and the random effect model to provide empirical evidences. The empirical result demonstrates that Non-Performing Financing (NPF), Net Interest Margin (NIM), Return on Asset (ROA) and BOPO have significance relationship to the qardhul hasan financing. The finding shows that the growth of qardhul hasan financing in sharia banks is influenced by financial ratios of NIM, NPF, BOPO and ROA. This finding adds important evidence to the existing research on qardhul hasan financing in sharia banks.

scholarly journals Determinants of capital adequacy ratio in Kuwaiti banks

2015 ◽  
Vol 4 (4) ◽  
pp. 315-322 ◽  
Author(s):  
Moeidh Alajmi ◽  
Khalid Alqasem
Keyword(s):  
Random Effect ◽  
Random Effect Model ◽  
Negative Relationship ◽  
Fixed Effect Model ◽  
Capital Adequacy ◽  
Dividend Payout ◽  
Return On Equity ◽  
Five Factors ◽  
Effect Model ◽  
Capital Adequacy Ratio

The aim of this study is to identify the effects of seven internal factors of five conventional Kuwaiti banks on capital adequacy ratio (CAR). The five factors are: Loans to Assets, Loans to Deposits, Non-Performing Loans to Total Loans, Return on Assets, Return on Equity, Dividend Payout and Total Liability to Total Assets. The study covers the period from 2005 to 2013. The study shows that under fixed effect model, variables DIVIEDEND, LAR, LDR, NPLLR, and ROE do not have any impact on capital adequacy ratio. However, SIZE has a significant and negative relationship with capital adequacy ratio. Also, ROA shows a significant and negative relationship with capital adequacy ratio. Under random effect model, results indicate that CAR is adversely affected by bank’s SIZE (total liability to assets), and ROA has a significant and negative relationship with capital adequacy ratio, However, Loan to Deposit Ratio (LDR) showed a significant and positive relationship with capital adequacy ratio. On the other hand, dividend payout, loans to assets, Non-Performing Loans to Total Loans and Return on equity do not have significant effect on CAR under random effect model.

Kinerja Rasio Keuangan Perbankan Islam Dan Konvensional: Studi Komparatif

Liquidity ◽  
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%.

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.

scholarly journals Pengaruh Net Interest Margin, Return On Equity, Return On Asset, Capital Adequacy Ratio terhadap Price Book Value Pada Bank Umum di Indonesia

2021 ◽  
Vol 6 (1) ◽  
Author(s):  
Yusuf Iskandar
Keyword(s):  
Stock Exchange ◽  
Analysis Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Return On Equity ◽  
Book Value ◽  
Service Companies ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Economic development in Indonesia can have an influence on companies, especially service companies such as banks. Seeing the development of service companies such as banks that continue to fluctuate, this can have an impact on the performance of banking companies on the price book value, therefore a study aimed at examining the effect of net interest margin, return on equity, return on assets and capital adequacy ratio can be carried out against the price book value at commercial banks in Indonesia. The analytical tool in this study using multiple regression analysis. Data analysis was carried out on banking companies listed on the Indonesian stock exchange in 2016 - 2018. As many as 15 banks that met the criteria as the study population, all members of the population were used as the research sample. The results of this study indicate that the net interest margin has a significant effect on the price book value, the return on equity has a significant effect on the price book value, the return on assets has a significant effect on the price book value and the capital adequacy ratio has a significant effect on the price book value.

scholarly journals THE ANALYSIS OF THE EFFECTS OF CAPITAL ADEQUACY RATIO, OPERATIONAL COST COMPARING TO THE OPERATIONAL REVENUE, NET INTEREST MARGIN, NON-PERFORMING LOAN AND LOAN TO DEPOSIT RATIO UPON THE RETURN ON EQUITY (Empirical Study of Company Banking registered in the List of BEI for the period of 2012-2015)

2018 ◽  
Vol 3 (02) ◽  
pp. 15
Author(s):  
Gilang Ramadhan Fajri
Keyword(s):  
Empirical Study ◽  
Hypothesis Test ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Operational Cost ◽  
Partial Regression Coefficient ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This research is an empiric study to do a research on the Analysis of the Effects of Capital Adequacy Ratio, Operational Cost comparing to the Operational Revenue, Net interest margin, Non-Performing Loan and Loan to Deposit Ratio upon the Return on Equity (Empirical Study on the Company Banking listed on BEI for the period of 2012-2015), sampling technique has applied the purposive sampling in order to get the samples of 30 companies. The aims of this research are to prove that the effects of Capital Adequacy Ratio (CAR), Operational costs comparing to the Operational Revenue (BOPO), Net interest Margin (NIM), Non-Performing Loan (NPL) netto and Loan to Deposti Ratio (LDR) upon the performance of bank which is measured by Return on Equity (ROE) and which variables that have been the most dominant affecting Return on Equity (ROE). The Analytical technics has applied multiple linear regression and hypothesis test has used t-statistics to examine partial regression coefficient and f-statistics to examine the feasibility of the research model using the level of significance of 5 %. Besides that, classical assumption test has been done covering normality test, multicollinearity test, heteroscedasticity test and auto correlation test.Key words:  Capital Adequacy Ratio (CAR), Operational Cost comparing to the Operational Revenue (BOPO), Net Interest Margin (NIM), NonPerforming Loan (NPL). Loan to Deposit Ratio (LDR), Return on Equity (ROE). 

scholarly journals The Impact of Capital on Bank Profitability: Case of Tunisia

2021 ◽  
pp. 7-20
Author(s):  
Mohamed Aymen Ben Moussa ◽  
Hédi Trabelsi ◽  
Adel Boubaker
Keyword(s):  
Capital Adequacy ◽  
Bank Capital ◽  
Return On Assets ◽  
Bank Profitability ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
The Impact ◽  
The Relationship ◽  
Interest Margin

The capital adequacy ratio measures the ability of a financial institutions to meet its liabilities by comparing its capital with assets. This article studied the relationship between bank capital and bank profitability measured by (Return on assets; return on equity; net interest margin). We used a method of static panel for a sample of 11 banks in Tunisia between (2000…2018). We found that bank capital has a significant impact on ROA. But capital has a non significant effect on bank return on equity and not significant impact on bank net interest margin.

scholarly journals PENGARUH KINERJA KEUANGAN TERHADAP KEBIJAKAN DIVIDEN (STUDI PADA INDUSTRI PERBANKAN YANG TERDAFTAR DI BEI)

2018 ◽  
Vol 2 (1) ◽  
pp. 188
Author(s):  
Rosmita Rasyid
Keyword(s):  
Capital Adequacy ◽  
Dividend Payout ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Pemegang saham berkepentingan untuk memperoleh pengembalian investasinya secara berkala dalam bentuk dividen yang dibagikan oleh perusahaan.Agar dapat membagi dividen perusahaan haruslah memiliki kinerja keuangan  yang sehat.Penelitian empiris mengenai pengaruh kinerja keuangan terhadap kebijakan dividen yang selama ini sering dilakukan adalah atas perusahaan manufaktur yang memberikan hasil yang berbeda-beda dan  masih sedikit penelitian yang dilakukan pada industri perbankan.Tujuan penelitian ini dilakukan untuk melihat bagaimana pengaruh kinerja keuangan yang tercermin dari rasio-rasio keuanganterhadap kebijakan dividen pada industri perbankan. Kinerja keuangan perbankan ditinjau dari sisi kemampulabaan, permodalan dan likuiditas  yang dalam hal ini dicerminkan dari rasio Return on Asset (ROA), Return On Equity (ROE), Net Interest Margin (NIM),Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), dan Loan to Deposit Ratio (LDR) dan kebijakan dividen dicerminkan dari rasio Dividend Payout Ratio (DPR). Penelitian dilakukan pada industri perbankan yang go public di Bursa Efek Indonesia pada periode 2010-2014.Terdapat 29  perusahaan bank yang go public di Bursa Efek Indonesia pada periode 2010-2014. Penelitian ini menggunakan analisis regresi berganda yang diolah dengan EVIEWs. Hasil penelitian menunjukkan variabel ROA, CAR dan LDR berpengaruh negatif signifikan terhadap DPR, namun variabel NIM, NPL dan ROE tidak berpengaruh secara signifikan terhadap DPR.Keywords: KinerjaKeuangan, Bank, KebijakanDividen

scholarly journals PENGARUH RASIO KEUANGAN TERHADAP TINGKAT KINERJA PADA BANK PEMBANGUNAN DAERAH

ETIKONOMI ◽  
2015 ◽  
Vol 13 (2) ◽  
Author(s):  
Mulatsih Mulatsih
Keyword(s):  
Negative Influence ◽  
Positive Influence ◽  
Capital Adequacy ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Dependent Variables ◽  
Regional Development Banks ◽  
Method Analysis ◽  
Interest Margin

The aim of this research is to analyze the effect of financial ratios on profitability at regional development banks. The method analysis that used in this research is multiple regressions with six variabel independent such as capital adequacy ratio, net interest margin, BOPO, loan to deposit ratio, non-performing loan, and return on equity, and the dependent variables is return on asset. The result shown that capital adequacy ratio, net interest margin, and ROE have a positive influence on ROA. BOPO and non-perfoming loan had a negative influence to return on asset. The value of R square shown that all the independent variables can explained the model with 83,7%, and the rest is about 16,7% was explained by other variables outside the model.DOI: 10.15408/etk.v13i2.1884

scholarly journals FAKTOR- FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERBANKAN (Studi Kasus pada Bank Umum yang Terdaftar di Bursa Efek Indonesia Periode 2015 –2017)

2020 ◽  
Vol 4 (2) ◽  
pp. 223
Author(s):  
Nyimas Vila Dewi
Keyword(s):  
Stock Exchange ◽  
Capital Adequacy ◽  
Endogenous Variable ◽  
Bank Profitability ◽  
Return On Equity ◽  
Financial Report ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Observation Period ◽  
Interest Margin

 Penelitian ini bertujuan untuk mengetahui faktor- faktor yang mempengaruhi profitabilitas dengan CAR, NIM, LDR dan BOPO sebagai variabel endogen, ROE sebagai variabel eksogen dan NPL sebagai variabel intervening. Alat analisis pada penelitjian ini adalah software AMOS 24. Sampel dari penelitian ini adalah bank umum yang terdaftar di  Bursa Efek Indonesia dan mempublikasikan laporan keuangannya periode 2015- 2017.34 bank umum yang menjadi populasi penelitian ini, hasil penelitian menunjukkan bahwa CAR, BOPO berpengaruh signifikan terhadap ROE dan NIM, LDR tidak berpengaruh signifikan terhadap ROE. CAR, LDR BOPO berpengaruh signifikan terhadap ROE dengan NPL sebagai variabel intervening dan NIM tidak berpengaruh signifikan terhadap ROE dengan NPL sebagai variabel intervening. Semakin tinggi nilai CAR dan NIM maka akan semakin tinggi nilai profitabilitas (ROE)  dan sebaliknya semakin rendah nilai LDR dan BOPO maka semakin rendah profitabilitas (ROE).Kata kunci: CAR (Capital Adequacy Ratio), NPL (Non Performing Loan), NIM (Net Interest Margin), LDR (Loan to Deposit Ratio) BOPO (Beban Operasional terhadap Pendapatan Operasional)  dan  ROE (Return On Equity).The purpose of this research is to examine the factors take effect on Bank Profitability by CAR, NIM, LDR and BOPO as endogenous variable, ROE as exogenous variable and NPL as intervening variable. The analytical of this resereach is software AMOS 24. The samples are public bank at The Indonesian Stock Exchange that have complete financial report and have been published in 2015-2017. Public bank at The Indonesian Stock Exchange that is still exist during observation period in 2015-2017. Population that is used in this research is 34 banks in  Indonesian Stock Exchange in 2015-2017. The result of research showed that endogenous  variable CAR and BOPO has  significant  effect partially on ROE, NIM and LDR has  not significant  effect partially on ROE. CAR, NIM and BOPO has  significant  effect partially on ROE with NPL as intervening variable and LDR has  not significant  effect partially on ROE with NPL as intervening variable. The firm that has higher score of CAR and NIM will gain higher profitability (ROE) whereas if it has higher score of  LDR and BOPO, the profitability (ROE)  will be lower.Key words: CAR (Capital Adequacy Ratio), NPL (Non Performing Loan), NIM (Net Interest Margin), LDR (Loan to Deposit Ratio) BOPO and ROE (Return On Equity). 

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