scholarly journals Capital Adequacy Ratio dan Beban Operasional Terhadap Profitabilitas Pada Bank Umum Syariah

2017 ◽  
Vol 1 (1) ◽  
pp. 26-34
Author(s):  
Resti Purwita Sari ◽  
Tupi Setyowati
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Operating Cost ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Bibliographic Data ◽  
Data Source

This study aims to analyze and determine the effect of Capital Adequacy Ratio (CAR), Operating Cost Operating Income (BOPO) to Profitability proxyed using Return On Assets (ROA) at Sharia Commercial Bank in Indonesia period 2014-2015. This research uses data source secondary documentation of the annual financial statements of Sharia Commercial Banks in Indonesia and supplemented by other bibliographic data sources. The result of the research shows that Capital Adequacy Ratio (CAR) has negative and insignificant effect on Return On Asset (ROA) at Sharia Commercial Bank in Indonesia and Operating Cost Operating Income (BOPO) have negative and significant effect to Return On Asset (ROA) at Sharia Commercial Bank in Indonesia

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.  

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 Mengukur Kinerja Pra Merger Tiga Bank Umum Syariah dan Pengaruhnya Terhadap Return on Asset

2021 ◽  
Vol 8 (1) ◽  
pp. 70-78
Author(s):  
Hanif Artafani Biasmara ◽  
Pande Made Rahayu Srijayanti
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Performance Variables ◽  
Capital Adequacy Ratio

Abstrak  - Pada tahun 2020, telah ditetapkan pelaksanaan merger antara tiga Bank Umum Syariah yang merupakan anak perusahaan dari Bank Badan Usaha Milik Negara (BUMN). Dimana ketiga bank tersebut adalah PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, dan PT Bank BNI Syariah. Penelitian ini dilakukan untuk mengukur kinerja keuangan ketiga bank tersebut sebelum dilakukannya merger dan pengaruhnya terhadap Return on Asset (ROA). Dalam penelitian ini, kinerja keuangan akan diukur dengan variabel Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), dan persentase pertumbuhan Dana Pihak Ketiga (DPK). Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh melalui laporan keuangan tahunan dari masing-masing bank dengan periode tahun 2015-2019. Dimana data diolah dan dianalisis dengan menggunakan Regresi Linear Data Panel melalui perangkat lunak Stata 16. Kinerja ketiga Bank Umum Syariah sebelum dimerger menunjukkan hasil yang baik. Selama lima tahun terakhir CAR dan NPF memiliki kinerja yang memuaskan. FDR dan BOPO berada sedikit melenceng dari batas minimum ataupun maksimum. Berikutnya, pertumbuhan DPK rata-rata sebesar 15, 89333%. Seluruh variabel kinerja bank tersebut setelah dilakukan pengolahan data, menunjukkan bahwa variabel CAR, FDR, NPF, BOPO, dan pertumbuhan DPK bersama-sama memiliki pengaruh signifikan terhadap ROA. Sedangkan secara parsial, CAR, NPF, dan pertumbuhan DPK tidak memiliki pengaruh signifikan terhadap ROA. Tetapi FDR dan BOPO memiliki pengaruh signifikan terhadap ROA. Dimana melalui penelitian ini diharapkan dapat menjadi pertimbangan bagi PT Bank Syariah Indonesia Tbk dalam upaya memperoleh kinerja yang baik dan pertumbuhan profitabilitas yang tinggiKata Kunci: CAR, FDR, NPF, BOPO, Pertumbuhan DPK, ROA, Bank Umum Syariah Abstract - In 2020, the implementation of a merger between three Islamic Commercial Banks which are subsidiaries of the State-Owned Enterprise (BUMN) Bank has been determined. Where the three banks are PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, and PT Bank BNI Syariah. This research was conducted to measure the financial performance of the three banks before the merger, and their effect on Return on Assets (ROA). In this study, financial performance will be measured by the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Operational Costs and Operating Income (OEOI), and the percentage growth in Third Party Funds (TPF).The data used in this study is secondary data obtained through the annual financial reports of each bank for the period 2015-2019. Where the data is processed and analyzed using Linear Data Panel regression through Stata 16. The performance of the three Islamic Commercial Banks before the merger showed good results. Over the last five years, CAR and NPF have performed satisfactorily. FDR and BOPO have slightly deviated from the minimum or maximum limits. Next, the growth in deposits was an average of 15.89333%. All of these bank performance variables, after data processing, show that the variables CAR, FDR, NPF, OEOI, and TPF growth together have a significant effect on ROA. Meanwhile, partially, CAR, NPF, and TPF growth have not a significant effect on ROA. However, FDR and BOPO have a significant effect on ROA. Where through this research it is hoped that in the future it can be a consideration for PT Bank Syariah Indonesia, Tbk to obtain good performance and high profitability growth.Keywords: CAR, FDR, NPF, OEOI, TPF Growth, ROA, Islamic Commercial Banks

scholarly journals The Effect of Car, BOPO, NPF, and FDR on Profitability of Sharia Commercial Banks in Indonesia

2019 ◽  
Vol 2 (3) ◽  
pp. 234-238
Author(s):  
Saleh Sitompul ◽  
Siti Khadijah Nasution
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Predictive Ability ◽  
Total Sample ◽  
Capital Adequacy ◽  
Operational Cost ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Negative Effect

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Operational Costs on Operating Income (BOPO), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) to Profitability with Return on Assets (ROA) in Indonesian Commercial Banks . The population in this study were 13 Sharia Commercial Banks in Indonesia registered in the Financial Services Authority and Bank Indonesia from 2013-2017, with a total sample of 6 Islamic Commercial Banks. The analytical method used is descriptive statistics, classic assumption tests, and multiple linear regression for hypothesis testing. The results showed partially that the Operational Cost of Operational Income had a significant negative effect on Return on Assets, while the Capital Adequacy Ratio, Non Performing Financing and Financing to Deposit Ratio did not affect Return on Assets of Islamic Commercial Banks in Indonesia. Simultaneously, the Capital Adequacy Ratio, Operational Cost to Operaional Revenue, Non Performing Financing and Financing to Deposit Ratio have a significant effect on Return on Assets of Islamic Commercial Banks in Indonesia. The predictive ability of the four variables on Return on Assets is 82%, while the remaining 18% is influenced by other factors outside of this research model.

scholarly journals FAKTOR PENENTU PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA (Pasca Peralihan Tugas Pengawasan Perbankan dari BI ke OJK)

2018 ◽  
Vol 1 (1) ◽  
pp. 53
Author(s):  
Fitra Rizal
Keyword(s):  
Linear Regression ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Banking Supervision ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

Abstract: This research was conducted to determine the determinants of profitability on Sharia Commercial Bank after the transfer of banking supervision duties from Bank Indonesia to the Otoritas Jasa Keuangan. The data used in this research are secondary data obtained from Islamic Banking Statistics published by the Otoritas Jasa Keuangan and Bank Indonesia.The analysis technique used is multiple linear regression using the classic assumption test first.The results of the analysis show that the regression equation used has passed the classic assumption test. This research proves that partially, only the Operational Expenses to Operational Revenue variables that affect Return on Assets of Islamic Commercial Banks in Indonesia for the 2015-2018 Period,while the variable Capital Adequacy Ratio and Inflation did not affect Return on Assets of Sharia Commercial Banks in Indonesia for the 2015-2018 period. And simultaneously the three variables have an effect on Return on Assets of Islamic Commercial Banks in Indonesia for the 2015-2018 Period. الملخص: تم إجراء هذا البحث لتحديد محددات ربحية البنك الاسلامي التجاري بعد انتقال مهام الإشراف المصرفي من بنك إندونسيا إلى هيئة الخدمات المالية البيانات المستخدمة في هذه الدراسة هي بيانات ثانوية تم الحصول عليها من إحصاءات المصرفية الإسلامية التي نشرتها هيئة الخدمات المالية وبنك أندونيسيا. الطريقة التحليلية المستخدمة هي الانحدار الخطي المتعدد باستخدام اختبار الافتراض الكلاسيكي أولاً. توضح نتائج التحليل أن معادلة الانحدار المستخدمة اجتازت اختبار الافتراض الكلاسيكي. تثبت هذه الدراسة أن جزئية،المصروفات التشغيلية لمتغير الإيرادات التشغيلية التي تؤثر على العائد على موجودات البنوك التجارية الإسلامية في إندونيسيا للفترة 2015-2018 ، أن متغير نسبة كفاية رأس المال والتضخم لا يؤثر على العائد على الأصول البنوك الإسلامية في إندونيسيا فترة 2015-2018.في وقت واحد, المتغيرات الثلاثة العائد على الأصول تأثير المصارف الإسلامية في إندونيسيا فترة 2015-2018Abtrak: Penelitian ini dilakukan untuk mengetahui faktor penentu profitabilitas Bank Umum Syariah pasca peralihan tugas pengawasan perbankan dari Bank Indonesia ke Otoritas Jasa Keuangan. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari Statistik Perbankan Syariah yang dipublikasikan oleh Otoritas Jasa Keuangan dan Bank Indonesia. Teknik analisis yang digunakan adalah regresi linier berganda dengan menggunakan uji asumsi klasik terlebih dahulu. Hasil analisis menunjukkan bahwa persamaan regresi yang digunakan telah lolos uji asumsi klasik. Penelitian ini membuktikan bahwa secara parsial, hanya variabel Operational Expenses to Operational Revenue yang berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018, sementara variabel Capital Adequacy Ratio dan Inflasi tidak berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018. Dan secara simultan ketiga variabel tersebut Berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018.

scholarly journals THE EFFECT OF FINANCIAL PERFORMANCE RATIOS ON CONVENTIONAL BANK PROFITABILITY IN INDONESIA STOCK EXCHANGE

2019 ◽  
Vol 14 (2) ◽  
pp. 84
Author(s):  
Ahmad Azmy ◽  
Iqbal Febriansyah ◽  
Anita Munir
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Test Results ◽  
Return On Assets ◽  
Bank Profitability ◽  
Capital Adequacy Ratio

This study aims to analyze the effect of the ratio of financial performance to the profitability of private conventional commercial banks listed on the Indonesia Stock Exchange. Retrieval of data using financial statements from fourteen conventional commercial banks. The independent variables used include Capital Adequacy Ratio (CAR), Operational Income Operating Expenses (BOPO), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR). The profitability variable is proxied by Return on Assets (ROA). This type of research is quantitative that uses secondary data. The analysis was carried out using multiple regression analysis. The results showed that, CAR and NPL had no effect on ROA, while BOPO and LDR had a significant effect on ROA. Then the F Test results show that CAR, NPL, BOPO, and LDR simultaneously influence ROA

scholarly journals Analisis Rasio Tingkat Kesehatan Bank Menggunakan Metode CAMEL Pada PT Bank BCA Syariah Tbk Jakarta Timur Tahun 2013 - 2017

2020 ◽  
Vol 3 (2) ◽  
pp. 212-227
Author(s):  
Su Patmin
Keyword(s):  
Balance Sheet ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Profit Margin ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Asset Quality ◽  
Assets Management

The purpose of this study was to determine the development of bank health at PT Bank BCA Syariah Tbk and to measure the level of health of PT Bank BCA Syariah Tbk in 2013-2017 using the CAMEL ratio which includes aspects of capital, productive assets, management, profitability and liquidity. This research is quantitative descriptive. The population in this study includes all financial statements of PT Bank BCA Syariah for the period 2013 to 2017, while the sample in this study is the company's financial statements in the form of a balance sheet and income statement of PT. Bank BCA Syariah Tbk. period 2013 to 2017. Analysis of the data used in this study is to use the CAMEL method which consists of five aspects, namely capital aspects using CAR (Capital Adequacy Ratio), aspects of earning asset quality using the ratio of KAP (Earning Assets Quality) and PPAP (Allowance for Earning Assets), management aspects using the ratio of NPM (Net Profit Margin), profitability aspects using the ratio of ROA (Return On Assets) and BOPO (Operating Expenses to Operating Income), and the liquidity aspect using the NCM-CA (Net Call Money ratio) to Current Assets) and LDR (Loan to Deposit Ratio). Based on the results of research conducted at PT Bank BCA Syariah CAMEL in 2013 97.04 was healthy, in 2014 96.71 was healthy, in 2015 95.52 was healthy, in 2016 97.01 was healthy, in 2017 98.00 is healthy. Abstrak Tujuan penelitian ini untuk mengetahui perkembangan kesehatan bank pada PT Bank BCA Syariah Tbk dan untuk mengukur tingkat kesehatan PT Bank BCA Syariah Tbk pada tahun 2013-2017 dengan menggunakan rasio CAMEL yang meliputi aspek permodalan, aktiva produktif, manajemen, rentabilitas dan likuiditas. Penelitian ini bersifat deskriptif kuantitatif. Populasi dalam penelitian ini meliputi seluruh laporan keuangan PT Bank BCA Syariah periode tahun 2013 sampai dengan 2017, sedangkan sampel dalam penelitian ini adalah laporan keuangan perusahaan berupa neraca dan laporan laba rugi PT. Bank BCA Syariah Tbk. periode 2013 sampai dengan 2017. Analisis data yang digunakan dalam penelitian ini adalah dengan menggunakan metode CAMEL yang terdiri dari lima aspek, yaitu aspek permodalan menggunakan rasio CAR (Capital Adequacy Ratio), aspek kualitas aktiva produktif menggunakan rasio KAP (Kualitas Aktiva Produktif) dan PPAP (Penyisihan Penghapusan Aktiva Produktif), aspek manajemen menggunakan rasio NPM (Net Profit Margin), aspek rentabilitas menggunakan rasio ROA (Return On Assets) dan BOPO (Beban Operasional terhadap Pendapatan Operasional), dan aspek likuiditas menggunakan rasio NCM-CA (Net Call Money to Current Assets) dan LDR (Loan to Deposit Ratio). Berdasarkan hasil penelitan yang telah dilakukan pada PT Bank BCA Syariah CAMEL pada tahun 2013 97,04 adalah sehat, tahun 2014 96,71 adalah sehat, tahun 2015 95,52 adalah sehat, tahun 2016 97,01 adalah sehat, tahun 2017 98,00 adalah sehat. Kata Kunci : Rasio Tingkat Kesehatan Bank, CAMEL

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 The Effect of Capital Adequacy Ratio, Loan to Deposit Ratio, Operating-Income Ratio, Non Performing Loans, Net Interest Margin on Banking Financial Performance

eCo-Buss ◽  
2020 ◽  
Vol 2 (2) ◽  
pp. 1-10
Author(s):  
Refni Sukmadewi
Keyword(s):  
Financial Performance ◽  
Interest Rates ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
And Performance

The weak condition of the banking sector encourages those involved in conducting a bank health assessment. One of the parties is the investor because the better the bank's performance, the greater the security guarantee of the invested funds. By using financial ratios, investors can find out the performance of a bank that can be seen through various variables. The variable used as the basis for valuation is the financial statements of the companies concerned. Company performance can be measured by analyzing and evaluating financial statements. Information on financial position and performance in the past is often used as a basis for predicting financial position and performance in the future. Banking performance can be measured using average loan interest rates, average deposit interest rates, and bank profitability. The profitability measure used is return on assets (ROA) in the banking industry. Return on Assets (ROA) focuses the company's ability to obtain earnings in the company's operations. The reason for choosing Return on Assets (ROA) as a measure of performance is because Return on Assets (ROA) is used to measure the effectiveness of the company in generating profits by utilizing its assets. The greater ROA shows the better financial performance, because the greater the rate of return. This study aims to examine the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating-Income Expense Ratio (BOPO), Non Performing Loans (NPL), Net Interest Margin (NIM), and on Return on Assets (NIM) ROA) as the Financial Performance of Banking Companies Listed on the Indonesia Stock Exchange in 2016-2018. The data used in this study were obtained from the Annual Financial Statements of Banking Companies Listed on the Stock Exchange in 2016-2018. the samples used were 23 Banking Companies Listed on the IDX. The analytical method used is multiple linear regression. The results showed that the CAR, BOPO, NPL, NIM, and LDR variables had a positive and significant effect on Return on Assets (ROA). Thus the bank is expected to pay attention to the level of efficiency of its operations to increase profitability on its financial performance.

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.

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