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 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 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 DAN RASIO KECUKUPAN MODAL TERHADAP PEMBIAYAAN MURABAHAH

2021 ◽  
Vol 3 (1) ◽  
pp. 54-67
Author(s):  
Kresnhanto Aziz ◽  
Dian Hakip Nurdiansyah
Keyword(s):  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Statistical Testing ◽  
Third Party ◽  
Coefficient Of Determination ◽  
Capital Adequacy Ratio ◽  
Ratio Variables ◽  
Positive Effect

This study aims to examine the effect of Third Party Funds and Capital Adequacy Ratio on Murabahah Financing in Indonesia from 2017-2019. This research method uses quantitative approach. The data used in this study comes from financial statements of sharia bank companies in Indonesia for the period of 2017-2019. Then, the data that has been obtained will be analyzed using multiple linear regression analysis and hypothesis testing consisting of the t test and f test with the help from SPSS 23 software. The sampling technique uses non probability sampling with purposive sampling technique. The results of statistical testing show that partially Third Party Funds has positive effect on Murabahah Financing and Capital Adequacy Ratio has positive effect on Murabahah Financing. Meanwhile, simultaneously Third Party Funds and Capital Adequacy Ratio has an effect on Murabahah Financing. Then, the coefficient of determination (R2) was 97,5%. This shows that Third Party Funds and Capital Adequacy Ratio variables can effect the Murabahah Financing by 97,5% and the remaining of 2,5% is influenced by other variables which are not used in this study. Keywords: Third Party Funds, Capital Adequacy Ratio, Murabahah Financing

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 The Variables that Affect Murābaḥa Financing in Islamic Commercial Banks

2017 ◽  
Vol 4 (2) ◽  
pp. 1-16
Author(s):  
Uus Ahmad Husaeni
Keyword(s):  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Sample Selection ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Commercial Banking ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Capital Adequacy Ratio

Murābaḥa financing is a type of financing that dominates the financing contract on Islamic banking in Indonesia. This shows that financing on the basis of sale (murābaḥa) has a greater contribution than the financing of the basis for the profit and loss sharing (muḍāraba and muṣāraka). The purpose of this study is to determine the factors that affect the financing of murābaḥa in the Islamic Commercial Banking in Indonesia by using variables Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF) and Return on Assets (ROA). The population in this study is the performance of Islamic Commercial Banks in Indonesia in the period of January 2014 to June 2016. The data used in this research is secondary data and sample selection by using purposive sampling method. The analytical tool used in this research is multiple linear regression analysis at significantly the rate of 5%. The results of this study indicate that the variable DPK, CAR, FDR, NPF, and ROA simultaneously have an influence on Murābaḥa. Coefficient determination test results show that the five independent variables affect the dependent variable amounted to 87.6% and the remaining 12.4% is influenced by other variables. Partially DPK, CAR, FDR, and ROA have a positive and significant effect on the financing Murābaḥa. While the NPF has no influence on Murābaḥa financing.

Dana Pihak Ketiga, Rasio Kecukupan Modal, Pembiyaan Bermasalah, Dan Tingkat Pengembalian Investasi Pada Pembiayaan UMKM

Liquidity ◽  
2018 ◽  
Vol 5 (2) ◽  
pp. 127-133
Author(s):  
Oki Irawan ◽  
Jafril Khalil ◽  
Riawan Amin
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Return On Investment ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Independent Variables ◽  
Capital Adequacy Ratio

This study aims to determine the effect of third party funds, capital adequacy ratio, problem financing, and return on investment on MSME financing with case studies at Bank Muamalat, Bank Syariah Mandiri and Bank Syariah Mega. This study uses multiple linear regression analysis. The results of this study indicate that the independent variables (the amount of third party funds, capital adequacy ratio, non perfoming financing, return on assets) as a whole contribute or contribute to the dependent variable (financing of SMEs) of 73.6% and the remaining 26.4% of other variables Not included and examined in the equation.

scholarly journals The effect of loan-loss provision, non-performing loans and third-party fund on capital adequacy ratio

Accounting ◽  
2021 ◽  
pp. 943-950 ◽  
Author(s):  
Mulyanto Nugroho ◽  
Donny Arif ◽  
Abdul Halik
Keyword(s):  
Central Government ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Third Party ◽  
Loan Loss ◽  
Loan Loss Provision ◽  
The Third ◽  
Capital Adequacy Ratio ◽  
The Third Party

This research was conducted in connection with the effective enactment of International Financial Accounting Standard IFRS 2020 to improve the concept of hedging accounting as well as basic measurement and classification of financial instruments. IFRS carries the concept of Expected loss backup which begins to acknowledge losses if there is a potential failure to pay even though it has not really happened, allowing the bank to form a larger loan-loss provision. The loan-loss provision is formed based on the number of failed pays in credits indicated by the ratio of Non-Performing Loans (NPLs). Fund distribution can be regulated by the Third-party Fund (TPF). The increasing number of loan-loss provisions and NPLs are feared to affect capital conditions for the bank. Therefore, the study aims to determine the partial and simultaneous influence of the loan-loss provision, Non-Performing Loans (NPLs), and third-party Fund (TPF) against the bank's capital adequacy ratio (CAR). The samples in this study are central government-owned banks, namely Bank Mandiri, Bank Negara Indonesia, Bank Rakyat Indonesia, and Bank Tabungan Negara period from 2011 to 2018. Data taken is a data time series of the quarterly financial statements published by the respective online website of the bank. The analysis used is a multiple linear regression analysis using SPSS Tools version 21 and Microsoft Excel. The results showed that a partial loan-loss provision had no significant effect on the bank's capital adequacy ratio, while the Non-Performing Loans (NPLs) and the Third-party Fund (TPF) were partially influential of the bank's capital adequacy ratio. Simultaneously the three independent variables have a significant effect on the dependent variable capital adequacy ratio (CAR).

scholarly journals Pengaruh Rasio Permodalan, Risiko Pembiayaan, Peringkat Good Corporate Governance dan Rentabilitas terhadap Dana Pihak Ketiga pada Bank Umum Syariah di Indonesia Periode 2014 - 2019

2020 ◽  
Vol 4 (2) ◽  
pp. 322
Author(s):  
Ali Akbar
Keyword(s):  
Corporate Governance ◽  
Commercial Bank ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Third Party ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Financing Risk ◽  
Sample Amount

This research is to know the effect of the Capital Ratio (Capital Adequacy Ratio), Financing Risk (Non Performing Financing), Good Corporate Governance Ratings and Earnings (Net Rewards) on Third Party Funds at Sharia Commercial Bank in Indonesia for the period 2014 - 2019. The population in this research amount of 14 Sharia Banks in Indonesia for the period 2014 - 2019 with sample amount of 8 Sharia Banks. The method used is multiple linear regression analysis using the SPSS program or software. The results showed that partially the Capital Adeguacy Ratio has negative and significant effect on Third Party Funds, Non Performing Financing has positive and significant effect on Third Party Funds, the Good Corporate Governance Rating has negative and insignificant effect on Third Party Funds and Net Rewards has positive and not significant on Third Party Funds. While, simultaneously the Capital Adequacy Ratio, Non Performing Financing, Good Corporate Governance and Net Rewards have significant effect on Third Party Funds.

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