Determination of Return on Assets of the Foreign Exchange Banks in Indonesia

2018 ◽  
Vol 9 (3) ◽  
pp. 255-260
Author(s):  
Ghazali Syamni ◽  
Rasyimah Rasyimah ◽  
Desy Ratnasari ◽  
M. Shabri Abd. Majid
Keyword(s):  
Foreign Exchange ◽  
Financial Services ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Operating Efficiency ◽  
Return On Assets ◽  
Common Effect ◽  
Effect Model ◽  
Capital Adequacy Ratio

The purpose of this research was to examine the determinants of Return on Assets (ROA) on the foreign exchange banks in Indonesia. The data used were the financial ratios of 27 foreign exchange banks in Indonesia in 2012-2016. The data were gathered from the published financial statements of the Indonesian foreign exchange banks. This research employed a Common Effect Model (CEM) as the most suitable panel regression model to analyze the data using the E-views statistical software. The findings indicate that from 2012 to 2016, the profitability of the exchange banks is largely determined by the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Efficiency Ratio (OER), and total debt. The findings also imply that apart from maximizing profit, it is important for the banks to abide by the regulations issued by the central bank or the Financial Services Authority in performing the banking operations. Negligence to observe the level of prudential and risk management will not only lead to profit loss, but it will also cause the failure of the banks.

scholarly journals PENGARUH CAPITAL ADEQUACY RATIO, INFLASI, DAN GROSS DOMESTIC PRODUCT TERHADAP RETURN ON ASSETS (STUDI PADA BANK UMUM SYARIAH NON DEVISA DI INDONESIA PERIODE TAHUN 2018-2020)

2021 ◽  
Vol 1 (1) ◽  
pp. 110-122
Author(s):  
Lutfi Indriwati ◽  
Agung Eko Purwana
Keyword(s):  
Panel Data ◽  
Gross Domestic Product ◽  
Foreign Exchange ◽  
Commercial Banks ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Sample Number ◽  
Capital Adequacy Ratio ◽  
Research Period

This research examines the influence of CAR, inflation and GDP on ROA of Non-Foreign Exchange Sharia Commercial Banks in Indonesia. In the research period there were cases in the financial statements where CAR increased but ROA decreased, in addition when inflation decreased ROA also decreased and at the time of GDP rise ROA again decreased. The novelty of this research is a method of regression of panel data that has never been used in CAR, inflation and GDP together. This research is quantitative with a sample number of 4 Non-Foreign Exchange Sharia Commercial Banks. The findings in this study are that CAR, inflation and GDP have no partial effect on ROA. However, CAR, inflation, and GDP simultaneously affect ROA. The next research is expected to take variables other than CAR, inflation, and GDP that theoretically affect roa of Non-Foreign Exchange Sharia Commercial Banks in order to obtain a better roa model of Non-Foreign Exchange Sharia Commercial Banks compared to this study. Riset ini menguji pengaruh CAR, inflasi dan GDP terhadap ROA Bank Umum Syariah Non Devisa di Indonesia. Pada periode riset ditemui kasus pada laporan keuangan dimana CAR mengalami peningkatan namun ROA mengalami penurunan, selain itu ketika inflasi mengalami penurunan ROA turut mengalami penurunan serta pada saat GDP naik ROA kembali mengalami penurunan. Kebaruan dari riset ini berupa metode regresi data panel yang belum pernah digunakan pada CAR, inflasi dan GDP secara bersama. Riset ini berjenis kuantitatif dengan jumlah sampel 4 Bank Umum Syariah Non Devisa. Temuan pada riset ini adalah CAR, inflasi dan GDP secara parsial tidak berpengaruh pada ROA. Namun, CAR, inflasi, serta GDP secara simultan berpengaruh pada ROA. Riset berikutnya diharapkan dapat mengambil variabel lain selain CAR, inflasi, dan GDP yang secara teori berpengaruh pada ROA Bank Umum Syariah Non Devisa agar diperoleh model ROA Bank Umum Syariah Non Devisa yang lebih baik dibandingkan dengan penelitian ini.

scholarly journals The effect of risk management on financial performance with good corporate governance as a moderation variable

2018 ◽  
pp. 308
Author(s):  
Mardiana Mardiana
Keyword(s):  
Risk Management ◽  
Financial Performance ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Operating Efficiency ◽  
Islamic Banking ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

<p>This study aims to examine the effect of risk management proxied by the Capital Adequacy Ratio (CAR), Operating Efficiency (BOPO), and Non Performing Loan (NPL), to the financial performance projected with Return on Assets (ROA) in Islamic Banking Companies listed on the Indonesia Stock Exchange (BEI) in the period 2011 to 2016. The data used is obtained from the Financial Statements of Sharia Banking Companies Listed on Indonesia Stock Exchange in the period 2011 to 2016. After passing through the stage of purposive sampling, the worthy of used sample is 5 Companies. The results showed that the variable of Capital Adequacy Ratio (CAR), and Non Performing Loan (NPL) had negative and insignificant effect on Return on Asset (ROA), and Operating Efficiency (BOPO) had negative and significant effect on Return on Assets (ROA). Thus, the bank (issuer) is expected to pay more attention to the level of operating efficiency to improve the profitability of the company's financial performance. Meanwhile, the variable Capital Adequacy Ratio (CAR) and Non Performing Loan (NPL) did not significantly affect the Return on Asset (ROA) of the company because during the study period, the bank intermediation function was not as expected.</p>

scholarly journals Pengaruh Manajemen Risiko Kredit terhadap Profitabilitas Bank Perkreditan Rakyat di Kepulauan Riau

2020 ◽  
Vol 4 (2) ◽  
pp. 90
Author(s):  
Serly Serly ◽  
Edy Kurniawan
Keyword(s):  
Financial Services ◽  
Sampling Method ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Credit Risk Management ◽  
Return On Assets ◽  
Rural Credit ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study is aimed to identify the effect of credit risk management on the profitability of Rural Credit Banks in Riau Islands. Measurement of profitability in this dependent variable is in a form of return on assets and there are independent variables in this study in the form of capital adequacy ratio, non-performing loans, bank size, liquidity, inefficiency, and inflation. 38 banking companies are sampled in this study, all registered in the Financial Services Authority within the 2014-2018 period. Purposing sampling method is used to determine the acquired samples. Data collection is done by researching, analyzing, and studying the financial statements of the banking and then processed with the help of the Eviews software. The results showed the capital adequacy ratio, bank size, and inefficiency has a significant negative effect on return on assets. While the liquidity variable has a significant positive effect on return on assets and non-performing loan variables, while inflation do not have a significant relationship with return on assets.

PENGARUH CAR, LDR DAN ROA TERHADAP LABA PERUSAHAAN PERBANKAN TERDAFTAR DI BURSA EFEK INDONESIA

2018 ◽  
Vol 23 (1) ◽  
pp. 72-85
Author(s):  
Lasminisih ◽  
Emmy Indrayani
Keyword(s):  
Decision Making ◽  
Multiple Regression ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Financial Statement ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
A Company ◽  
Future Plans

Company financial statement can be used to monitor the performance of a company. Financial statements are also used as a means for decision making so that the company can anticipate future plans. The purpose of this study was to find out the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Return on Assets (ROA) on profit changes percentage of Banking Companies. The number of sample companies used in this study was 27 Banks listed in the Indonesia Stock Exchange with observation periods from 2007 to 2008. The method used in this study was multiple regression. The results of this study have indicated that CAR, LDR, and ROA gave significant effects on changes in Banks profit so that Banking Companies performances can be measured. Keywords: CAR, LDR, ROA, Profit

scholarly journals Analisis Faktor Determinan Return on Asset pada Bank BUMN yang Terdaftar di Bursa Efek Indonesia

2019 ◽  
Vol 8 (2) ◽  
pp. 107-122
Author(s):  
Muhammad Shareza Hafiz ◽  
Radiman Radiman ◽  
Maya Sari ◽  
Jufrizen Jufrizen
Keyword(s):  
Data Analysis ◽  
Stock Exchange ◽  
Financial Statements ◽  
Research Data ◽  
Capital Adequacy ◽  
Research Approach ◽  
Return On Assets ◽  
Analysis Techniques ◽  
Capital Adequacy Ratio ◽  
Exchange Data

This study aims to analyze the effect of Non-Performing Loans (NPLs), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR), simultaneously on Return on Assets (ROA) on BUMN Banks listed on the Indonesia Stock Exchange either partially and simultaneously. The research approach used in this study uses an associative approach. This research was conducted at the Indonesia Stock Exchange (IDX) specifically Bank BUMN listed on the Indonesia Stock Exchange (IDX). The population used in this study was state-owned Bank companies listed on the Indonesia Stock Exchange (IDX) which amounted to 4 companies. Based on the sample withdrawal criteria above, a research sample of 4 BUMN bank companies was obtained. The type of data used is documentary data, which are research data in the form of financial statements owned by state-owned banks listed on the Indonesia Stock Exchange. Data analysis techniques are used to test the effect of Non-Performing Loans (NPLs), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) to Return on Assets (ROA) either partially or simultaneously is multiple linear regression. The results showed that partially Non Performing Loans (NPL) and Capital Adequacy Ratio (CAR) had a negative and not significant effect on Return on Assets. Partially, Loan to Deposit Ratio (LDR) has a negative and significant effect on Return on Assets. And simultaneously, Non Performing Loans, Capital Adequacy Ratio and Loan to Deposit Ratio have a significant effect on Return on Assets (ROA) at State-Owned Banks listed on the Indonesia Stock Exchange.  

scholarly journals The Effect Of Capital Adequacy Ratio On Return On Assets With Problem Credit Ratio Moderation

2020 ◽  
Vol 1 (3) ◽  
pp. 145-151
Author(s):  
Deni Sunaryo
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Foreign Exchange ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Simple Linear Regression ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Private Banks

The study aims to determine the effect of Capital Adequacy Ratio on Return On Asset with the moderatiom of Non Performing Loan sub sector of national foreign exchange private banks listed on the indonesian stock exchange (IDX) in 2014-2018 with a population of 22 banks. The analysis technique used are simple Linear Regression and Moderated Regression Analysis (MRA). The result showed that the  Capital Adequacy Ratio has a positive and significant effect on Return On Asset. While the Capital Adequacy Ratio of Non Performing Loan is not able to moderate the Capital Adequacy Ratio with Return On Asset.

scholarly journals The Factor Affecting to Profitability of Bank Mandiri (Persero) Tbk. Period 2011-2020

2021 ◽  
Vol 5 (2) ◽  
pp. 86-98
Author(s):  
Diana Riyana Harjayanti ◽  
Ade Irma ◽  
Ratna Tri Hari Safariningsih ◽  
Fajar Gumilang Kosasih
Keyword(s):  
Significant Influence ◽  
Operating Cost ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Operational Cost ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
The Relationship

The purpose of this study is to determine factors Capital Adequacy Ratio, Non-Performing Loans and Operational Cost of Operating Income, Return On Assets as profitability at PT. Bank Mandiri (Persero) Tbk. with periode 2011-2020. The research method used in this study is descriptive quantitative. The population used is the financial statements of PT. Bank Mandiri (Persero) Tbk. The sample used is data that comes from the notes to the financial statements and income statements of PT. Bank Mandiri (Persero) Tbk. in the period 2011 to 2020. Based on the results of the partial test (t test) the results is Capital Adequacy Ratio and Non Performing Loan have not a significant influence on Return On Assets and Operational Cost of Operating Income has a significant influence on Return On Assets. But base on simultan (F test) shows that the Capital Adequacy Ratio, Non Performing Loan and Operational Cost of Operating Income have a significant influence on Return On Assets. In the coefficient of determination, the value of Adjusted R Square is 92.60%, Return On Assets can be explained by the Capital Adequacy Ratio, Non-Performing Loans and Operating Cost of Operating Income, which means that the relationship between variables has a strong correlation, while the remaining 7.4% can be explained by other variables.  

Moderasi NPF terhadap Intervensi BOPO dan CAR pada Kinerja Keuangan Bank Syariah di Indnesia 2019-2021

2021 ◽  
Vol 4 (2) ◽  
pp. 328-344
Author(s):  
Toha Barizi ◽  
Rifky Fatoni ◽  
Zuni Fitrowati ◽  
Umrotul Khasanah
Keyword(s):  
Financial Services ◽  
Time Series Data ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Series Data ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Considerable Impact ◽  
The Impact

The goal of this research is to look into the impact of Operating Costs on Operating Income (BOPO) and Capital Adequacy Ratio (CAR) on the Financial Performance of Islamic Commercial Banks, which is measured using one of the profitability ratio indicators, Return on Assets (ROA). This study employs a quantitative approach by employing explanatory research, which tries to examine the theories and hypotheses that exist in this study in order to determine whether they strengthen or weaken earlier theories and hypotheses. The study relied on secondary data, specifically information gathered from the ojk.ac.id website. This research uses monthly time series data from the Financial Services Authority from 2019 to 2021, with a sample size of 26 months. Multiple linear regression and moderated regression analysis were employed in this study's regression model (MRA). The findings of this study revealed that BOPO had a considerable impact on ROA, although CAR had no such impact, and that NPF, as a moderating variable, was able to moderate the impact of BOPO and CAR on ROA.

Pengaruh Kecukupan Modal, Risiko Kredit t/erhadap Profitabilitas dengan Efisiensi sebagai Variabel Intervening

2022 ◽  
Vol 4 (3) ◽  
pp. 943-961
Author(s):  
Anugrah Sepnu Utama ◽  
Risal Rinofah ◽  
Pristin Prima Sari
Keyword(s):  
Financial Services ◽  
Sampling Method ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Analytical Technique ◽  
Insignificant Effect ◽  
Capital Adequacy Ratio ◽  
Published Report ◽  
Regression Test

This study aims to determine whether there is an effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) on Profitability (ROA) with Efficiency (BOPO) as an Intervening Variable, in conventional commercial banks in Indonesia listed on the Indonesia Stock Exchange period (2016). -2020). Sampling using the purposive sampling method with the criteria that the bank has a complete published report in 2016-2020, and the bank has a non-negative ROA. This study uses data obtained from the bank's Annual Financial Statements issued by the bank in the Financial Services Authority (OJK) Bank Published Financial Statements. The analytical technique used is a statistical test through the Ttest, Ftest, R2, Multiple Regression Test, and Sobel Test using the Sobel Test Calculator for the Significance of Mediation. The results of the analysis on the t test show that CAR has a negative and insignificant effect on ROA, NPL has a negative and insignificant effect on ROA, BOPO has a negative and significant effect on ROA. CAR has a negative and significant effect on BOPO, NPL has no significant effect on BOPO. And the results of the Sobel test showed that BOPO was able to mediate the CAR variable on ROA but was unable to mediate the effect of NPL on ROA. Keywords: CAR; NPL; ROA; BOPO

scholarly journals Anteseden Return on Asset (ROA) pada Bank BUMN Indonesia

2019 ◽  
Vol 2 (1) ◽  
pp. 68-78
Author(s):  
Andi Tenriola
Keyword(s):  
Cost Efficiency ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Dominant Effect ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study aims to examine and analyze the effect of Capital Adequacy Ratio (CAR),Operating Expenses and Cost Efficiency (BOPO) and Loan to Deposit Ratio (LDR) to Return onassets (ROA). Return on assets (ROA) or profitability is one indicator that can be used to measurebank performance. The population used in this study is state-owned banks registered with BankIndonesia during the 2014-2018 period. In this study the sampling technique used total samplingtechniques using quarterly financial statements owned (1) PT. BNI (Persero), Tbk (2) Bank BRI(Persero), Tbk, (3) PT Bank Mandiri (Persero), Tbk; and (4) PT Bank BTN (Persero) so that with thesample, the number of samples in this study were (4 Quarter x 5 Years of Observation x 4 BUMNBanks = 80 panel data units). The results of multiple regression analysis provide evidence that CARhas a significant positive effect on ROA. Operational efficiency and cost efficiency (BOPO) has asignificant negative effect on return on assets (ROA). LDR has a significant negative effect on ROA.For the biggest contribution proven in CAR, that CAR has a dominant effect on ROA.

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