scholarly journals Pengaruh CAR, LDR, BOPO, dan Size Terhadap ROA pada Sektor Perbankan yang Terdaftar di BEI 2015-2019

2021 ◽  
Vol 1 (2) ◽  
Author(s):  
Dwi Kumala Safitri Agam ◽  
Gatot Heru Pranjoto
Keyword(s):  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
T Test ◽  
Capital Adequacy ◽  
Research Approach ◽  
Test Analysis ◽  
Operating Income ◽  
Insignificant Effect ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

The research approach used in this research is descriptive and quantitative. Sampling using Purposive Sampling method and obtained samples as many as 41 banking companies. The data analysis technique used is multiple linear regression analysis. The results of the T Test analysis showed that the variable Capital Adequacy Ratio (CAR) and Company Size (Size) had a positive and significant effect. The results of the T Test analysis showed that the Variable Loan to Deposit Ratio (LDR) had a positive and insignificant effect. Operating Income Operating Expenses (BOPO) have a negative and insignificant effect. The ability to explain from the four independent variables to Profitability (ROA) is 77,9% indicated by the size of Adjusted R Square, the remaining 22,1% is explained by other variables outside this research model.

scholarly journals Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio dan Operating Expenses To Operating Income Terhadap Profitabilitas Bank Aceh Periode 2017-2020

2021 ◽  
Vol 2 (2) ◽  
pp. 81-95
Author(s):  
Hafidhah Hafidhah ◽  
Dayana Putri Utami
Keyword(s):  
Quantitative Research ◽  
Statistical Tests ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Research Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Research Approach ◽  
Operating Income ◽  
Capital Adequacy Ratio

This study aims to examine the effect of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), and Operating Expenses to Operating Income (OEOI) on the profitability of Bank Aceh. This study uses a quantitative research approach with Multiple Linear Regression analysis method. This research data uses Bank Aceh monthly financial report data for the 2017-2020 period. Research data obtained by testing the hypothesis performed by statistical tests, namely partial test (t-test) and simultaneous test (f-test). The results of this study indicate that: (1) Third Party Funds, Capital Adequacy Ratio and Operating Expenses to Operating Income jointly affect the profitability of Bank Aceh. (2) Third Party Funds affect the profitability of Bank Aceh. (3) Capital Adequacy Ratio affects the profitability of Bank Aceh. (4) Operating Expenses to Operating Income affect the profitability of Bank Aceh.

scholarly journals Pengaruh CAR, FDR, Dan BOPO Terhadap ROA Pada Bank Syariah Di Indonesia

2021 ◽  
Vol 9 (2) ◽  
Author(s):  
Intan Rika Yuliana ◽  
Sinta Listari
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Predictive Ability ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio

Banking companies, including Islamic banking, need to avoid problems that can cause financial failure, which can make the bank unable to carry out its business operations and may end up in bankruptcy, so that the level of soundness of the bank based on risk must always be monitored. Therefore, banks must maintain their financial ratios in accordance with Bank Indonesia decisions and maintain their performance. So analyzing the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and the Ratio of Operating Costs to Operating Income (BOPO) on Return On Assets (ROA) in Islamic Banks is considered very important.   This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs on Operating Income (BOPO) on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia. This research includes quantitative research and the type of data used is secondary data. The data used in this study is the ratio of CAR, FDR, BOPO, and ROA for the period 2014–2019 which was obtained from the annual Financial Statements on the official website of each bank.   The population in this study were 14 Islamic Commercial Banks in Indonesia. After passing the purposive sampling stage, there were 6 samples of Sharia Commercial Banks that were suitable for use, namely BCA Syariah, BNI Syariah, Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah and BRI Syariah. The analytical method used in this research is Multiple Linear Regression Analysis.   The results of the partial study with the t-test showed that the CAR and FDR variables had a positive and significant effect on the ROA of Islamic commercial banks. While the BOPO variable has a negative and significant effect on the ROA of Islamic commercial banks. And the results of the f test show that the CAR, FDR, and BOPO variables together have a significant influence on the ROA of Islamic commercial banks. The predictive ability of these three variables on ROA is 82.7%, the remaining 17.3% is explained by other variables outside of this research.   Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses per Operating Income (BOPO), Return On Assets (ROA)

scholarly journals Pengaruh NPL, LDR, dan CAR padaROA Perusahaan Perbankan yang Terdaftar di BEI Tahun 2014-2016

2018 ◽  
pp. 2096
Author(s):  
Putu Intan Trisna Dewi ◽  
I Ketut Suryanawa
Keyword(s):  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

Banking plays an important role in influencing economic activity. Banking is required to gain profit so as to compete in order to maintain its survival. The profit is used to pay for all types of operational costs. This research was conducted in Banking Companies Listed in Indonesia Stock Exchange Period Year 2014 - 2016. The number of samples is 20 banks, with the method of purposive sampling technique. Data collection is done by observation or observation. The analysis technique used is multiple linear regression analysis. Based on the result of research, it is known that non performing loan has negative effect on return on asset, loan to deposit ratio has positive effect on return on asset, and capital adequacy ratio has negative effect on return on asset. Keywords: Non Performing Loan, Loan to Deposit Ratio, Capital Adequacy Ratio, Return On Assets.  

scholarly journals Analysis of the effect of third party fund, capital adequacy ratio, and loan to deposit ratio on bank‟s profitability after the application of IFRS

2017 ◽  
Vol 6 (1) ◽  
pp. 81
Author(s):  
You Are Nita Sari ◽  
Nur Suci I Mei Murni
Keyword(s):  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Commercial Banking ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Independent Variables ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

The objective of this research is to analyze the effect of third party fund, capital adequacy ratio, and loan to deposit ratio on bank’s profitability after the application of IFRS. The bank’s profitability in this study is measured using return on assets (ROA). The samples used are 22 conventional commercial banking companies listed on the Indonesia Stock Exchange in the period from 2012 to 2013, which are selected through purposive sam-pling method. The analysis technique used is multiple linear regression analysis. The results of this study indicate that: (1) the variables of third party funds (TPF), capital adequacy ratio (CAR), and loan to deposit ratio (LDR) simultaneously have significant effect on return on assets (ROA); (2) the variable of third party fund (TPF) partially has positive but not significant effect on return on assets (ROA); (3) the variable of capital adequacy ratio (CAR) partially has positive and significant effect on return on assets (ROA); (4) the variable of loan to deposit ratio (LDR) partially has positive but not sig-nificant effect on return on assets (ROA) in conventional commercial banking companies listed on the Indonesia Stock Exchange (after the implementation of IFRS. The ability of the independent variables to explain the dependent variable in this study is 17.8%, while the remaining 82.2% is explained by other variables outside the models studied.

scholarly journals Pengaruh CAR, ROA, FDR, dan BOPO terhadap Non Performing Financing pada Bank Muamalat Indonesia

2021 ◽  
Vol 1 (3) ◽  
pp. 544-554
Author(s):  
Dea Apriyani ◽  
Ine Mayasari ◽  
Mochamad Edman Syarief
Keyword(s):  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Corporate Financing ◽  
Processing Application ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Net Profit

Muamalat Bank have decline in financial performance. Muamalat Bank lacks capital because it provides too much corporate financing which has an impact on increasing non-performing financing. Besides that, the net profit of Muamalat Bank in 2019 decreasec significantly, namely by 92% and its operating costs rached Rp490 billion. This research was conducted to know the effect of the variable Capital Adequacy Ratio (CAR), Return On Assets (ROA), Financing to Deposit Ratio (FDR), and Operating Expenses per Operating Income (BOPO) on Non-Performing Financing (NPF) at Bank Muamalat. Indonesia. The sample used is the quarterly report published on the official website of Bank Muamalat. The research method used is quantitative research with multiple linear regression analysis and is supported by the Eviews software version 10 as a data processing application. The results of this study indicate that CAR and ROA have a negative and significant effect on the NPF of Bank Muamalat. Meanwhile, FDR and BOPO have a positive and significant effect on NPF.

Analisis CAR, NPL, BOPO dan LDR terhadap Profitabilitas

2022 ◽  
Vol 4 (4) ◽  
pp. 1032-1049
Author(s):  
Abdul Aziz Suryadi ◽  
Risal Rinofah ◽  
Pristin Prima Sari
Keyword(s):  
Quantitative Research ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Sample Selection ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Car T ◽  
Negative Effect

This research aimed to examine the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL),Operating Expenses Operating Income (BOPO) and Loan to Deposite Ratio (LDR) ratios on profitability (ROA). This type of research is quantitative research. The sample selection method in this research used purposive sampling method. The sample used was 20 of 45 banking companies listed on the Indonesia Stock Exchange with the periode 2016-2020. The analytical method used was multiple linear regression analysis using the SPSS version 22 program. The result showed that the Capital Adequacy Ratio (CAR) t test had a significant effect on profitability (ROA)  partially, Operating Expenses Operating Income (BOPO) has a negative effect on profitability(ROA) partially, then Non Performing Loan (NPL) and Loan to Deposite Ratio (LDR) have a positive and not significant effect on profitability (ROA). And from the result of the f test, the Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operating Expenses Operating Income (BOPO) and Loan to Deposite Ratio (LDR) variables have a simultaneous effect on profitability (ROA).  Keywords: CAR, NPL, BOPO, LDR, ROA

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA

2020 ◽  
Vol 5 (1) ◽  
pp. 50
Author(s):  
Yolandafitri Zulvia
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Total Sample ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operation Efficiency ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

<p><em>This study aims to analyze the factors that influence the financial performance of Islamic commercial banks in Indonesia. In this study financial performance is measured using Return On Assets (ROA). The independent variables in this study are </em><em>Consumer Funds (DPK), Non-Performing Financing(NPF), Capital Adequacy Ratio (CAR), </em><em>Operation Efficiency  (BOPO), Financial Deposit Ratio (FDR). The population in this study is all Islamic commercial banks in Indonesia for the period 2011-2018. The total sample in this study amounted to 7 Islamic commercial banks. The data analysis technique used in this research is multiple linear regression analysis. The results showed the variable </em><em>Consumer Funds (DPK) and </em><em>Operation Efficiency (BOPO) had a positive and not significant effect. Variable Non-Performing Financing (NPF) and Financial Deposit Ratio (FDR) have a negative and significant effect while CAR variable has a negative and not significant effect.</em></p><p><em><br /></em></p><p><em>Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi kinerja keuangan Bank Umum Syariah di Indonesia. Dalam penelitian ini kinerja keuangan diukur menggunakan Return On Asset (ROA). Variabel independen dalam penelitian ini adalah Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Rasio Kecukupan Modal (CAR), Efisiensi Operasi (BOPO), Rasio Deposito Keuangan (FDR). Populasi dalam penelitian ini adalah semua bank umum syariah di Indonesia untuk periode 2011-2018. Total sampel dalam penelitian ini berjumlah 7 bank umum syariah. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis regresi linier berganda. Hasil penelitian menunjukkan variabel Dana Pihak Ketiga (DPK) dan Efisiensi Operasi (BOPO) memiliki pengaruh positif dan tidak signifikan. Variabel Non Performing Financing (NPF) dan Financial Deposit Ratio (FDR) memiliki pengaruh negatif dan signifikan sedangkan variabel CAR memiliki pengaruh negatif dan tidak signifikan.</em></p>

scholarly journals Pengaruh risiko pasar dan tingkat kecukupan modal terhadap profitabilitas pada bank BNI periode 2013 – 2020

2021 ◽  
Vol 6 (2) ◽  
pp. 15-23
Author(s):  
Lidia Noer Khoeriah ◽  
Gusganda Suria Manda
Keyword(s):  
Positive Relationship ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Market Risk ◽  
Capital Adequacy ◽  
Financial Reports ◽  
Variable Level ◽  
Analysis Technique ◽  
Risk Variable ◽  
Capital Adequacy Ratio

In the banking industry, every company always try to avoid risk, both inside and outside of the organization business entity. The purpose of this study was to determine whether the bank's market risk (NIM) and capital adequacy ratio (CAR) BNI from 2013 to 2020 had a simultaneous or partial effect on profitability (ROA). The type of this study is quantitative study. The population in this study is BNI’s quarterly financial reports from 2013 to 2020. Up to 30 study samples were obtained. The analysis technique used in this study is multiple linear regression analysis with the help of the IBM SPSS Statistics 25 program. The results showed that: (1) Simultaneously, market risk (NIM) and the level of capital adequacy ratio (CAR) have a significant effect on profitability (ROA), (2) Partially, the results on the market risk variable (NIM) have a significant effect and have a positive relationship on profitability (ROA), (3) Partially, the results on the variable level of capital adequacy ratio (CAR) have a significant effect and have a positive relationship to profitability (ROA).

scholarly journals Influence of Bank Health Ratio on Financial Performance of Islamic Commercial Bank

2018 ◽  
Vol 10 (1) ◽  
pp. 1
Author(s):  
Edi Komara
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Financial Statements ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Income Ratio ◽  
Health Ratio

This study aims to analyse the influence of bank health ratios on the financial performance of Islamic Commercial Banks using the ratio of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) ratio, Operating Expenses Operating Income ratio (OEOI), against Islamic Commercial Bank’s profitability represented by Return on Asset ratio (ROA). The population used in this study is the financial statements of Islamic Commercial Banks period 2015 until 2017. Types of quantitative data with library data collection techniques, and documentation. Technical analysis of data using multiple linear regression analysis with the help of SPSS 20 program. The results showed that health variables (CAR, LDR, and OEOI) simultaneously affect the Financial Performance of Islamic Commercial Banks. Partially CAR has no significant effect on ROA, LDR has no significant effect on ROA. The effect of OEOI on ROA is partial.

PENGARUH FAKTOR-FAKTOR INTERNAL PERBANKAN TERHADAP NON PERFORMING FINANCING PADA BANK UMUM SYARIAH

2019 ◽  
Vol 6 (2) ◽  
pp. 115-130
Author(s):  
Eka Ambara Harci Putranta ◽  
Lilik Ambarwati
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Regression Methods ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Independent Variable

The study aims to analyze the influence of internal banking factors in the form of: Capital Adequency Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing at Sharia Banks. This research method used multiple linear regression analysis with the help of SPSS 16.00 software which is used to see the influence between the independent variables in the form of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing. The sample of this study was 3 Islamic Commercial Banks, so there were 36 annual reports obtained through purposive sampling, then analyzed using multiple linear regression methods. The results showed that based on the F Test, the independent variable had an effect on the NPF, indicated by the F value of 17,016 and significance of 0,000, overall the independent variable was able to explain the effect of 69.60%. While based on the partial t test, showed that CAR has a significant negative effect, Total assets have a significant positive effect with a significance value below 0.05 (5%). Meanwhile FDR does not affect NPF.

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