ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK SYARIAH DI INDONESIA

2017 ◽  
Vol 4 (1) ◽  
pp. 1510188
Author(s):  
Ubaidillah Ubaidillah
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression Model ◽  
Predictive Ability ◽  
Capital Adequacy ◽  
Observation Data ◽  
Significant Positive Effect ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

Penelitian ini dilakukan untuk menguji pengaruh Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Penyusunan Penghapusan Aktiva Produktif (PPAP), Biaya Operasional per Pendapatan Operasional (BOPO), Pangsa Pembiayaan, Sertifikat Bank Indonesia Syariah (SBIS).Selama periode pengamatan menunjukkan bahwa data penelitian berdistribusi normal. Berdasarkan uji normalitas, uji multikolinearitas, uji heteroskedastisitas, dan uji autokorelasi tidak ditemukan variabel yang menyimpang dari asumsi klasik. Hal ini menunjukkan data yang tersedia telah memenuhi syarat menggunakan model persamaan regresi linier berganda. Hasil penelitian ini menunjukkan bahwa variabel NPF, PPAP, dan SBIS tidak meunjukkan pengaruh yang signfikan terhadap Profitabilitas. Variabel FDR menunjukkan pengaruhyang positif signifikan terhadap Profitabilitas, sedangkan variabel CAR, BOPO, dan Pangsa Pembiayaan berpengaruh negatif dan signifikan terhadap Profitabilitas. Kemampuan prediksi dari ketujuh variabeltersebut terhadap profitabilitas (ROA) dalam penelitian ini sebesar 78,40%, sedangkan sisanya 11,60% dipengaruhi oleh faktor lain yang tidak dimasukkan ke dalam model penelitian. This research was aimed at examining the influence of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Allowance for Earning Assets (PPAP), Operating Expenses per Operating Income (BOPO), and Share Financing, Sharia Certificates of Bank Indonesia (SBIS) to profitability. During the period of observation, data were normally distributed. Based on normality, multicollinearity, heteroscedasticity and autocorrelation tests, deviation of classical assumptions of variables were not found. It shows that the available data were qualified to be examined with multiple linear regression model. The results of this study show that the NPL, PPAP, and SBIS variables did not indicate significant impact on profitability. FDR variable showed a significant positive effect on profitability, while variable CAR, BOPO, and the share of financing had a significant negative effect on profitability. The predictive ability of these variables on profitability (ROA) in this study was 78.40%, while the remaining 11.60% was influenced by other factors not included in the study.

scholarly journals PENGARUH NPL, CAR DAN BOPO TERHADAP PROFITABILITAS PADA BPR DI KOTA DENPASAR

2018 ◽  
Vol 7 (11) ◽  
pp. 6212
Author(s):  
Ni Kadek Alit Pradina Putri ◽  
Luh Putu Wiagustini ◽  
Ni Nyoman Abundanti
Keyword(s):  
Financial Statements ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Operational Cost ◽  
Operating Income ◽  
Significant Negative Effect ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

BPR financial performance can be measured by the community through analysis of financial statements. An analysis of the financial statements of a bank is conducted to determine the level of profitability and soundness of the bank. The purpose of this research is to know the influence of Non Perfoming Loan, Capital Adequacy Ratio and Operational Cost of Operational Revenue to profitability at Rural Bank in Denpasar in period 2013-2016. The method used in this research is multiple regression analysis technique. This research uses saturated samples by taking samples of 18 existing BPR in Denpasar City. Based on the results of the analysis found that Non Perfoming Loan has a significant negative effect on profitability, Capital Adequacy Ratio has a significant positive effect on profitability, and operational cost of operating income has a significant negative effect on profitability. Keywords: npl, car, bopo, profitability

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.

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 Pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, dan Kurs terhadap Return On Asset

2020 ◽  
Vol 2 (3) ◽  
pp. 187-194
Author(s):  
Annisa Indria Irnawati ◽  
Bambang Waluyo ◽  
Taufikul Ichsan
Keyword(s):  
Exchange Rate ◽  
Exchange Rates ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

Purpose- This study aims to examine the effect of Capital Adequacy Ratio, Financing to Deposit Ratio, and exchange rates on Return On Assets in Islamic Banks for the period 2009 - 2017. Methods- The analysis technique used is multiple linear regression with the assistance of the Program Eviews. Finding- The results showed that CAR has a positive but not significant effect, while FDR has a significant positive effect, and the exchange rate has a significant negative effect on Return On Assets. AbstrakTujuan- Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, dan kurs terhadap Return On Asset pada Bank Syariah periode 2009 – 2017. Metode- Teknik analisis yang digunakan adalah regresi linier berganda berbantuan programEviews. Temuan- Hasil penelitian menunjukkan bahwa CAR berpengaruh positif namun tidak signifikan, sementara FDR berpengaruh positif signifikan, dan kurs berpengaruh negatif signifikan terhadap Return On Asset

scholarly journals Kinerja Pembiayaan UMKM Terhadap Profitabilitas Bank Umum Syariah di Indonesia

2020 ◽  
Vol 1 (1) ◽  
pp. 152-159
Author(s):  
Marwah Nur Al-Zauqi ◽  
Iwan Setiawan
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Capital Adequacy Ratio ◽  
Positive Effect

This study aims to determine how MSME financing and Capital Adequacy affect the profits of Islamic commercial banks. This study uses a quantitative approach that analyze secondary data from statistic of Islamic Bank in Indonesia period 2016-2019.  The analysis used multiple linear regression analysis methods. Data processing uses eviews program. The results of this study indicate that MSME financing has a significant positive effect on Return on Asset. Capital Adequacy Ratio has a significant positive effect on Return on Asset. MSME financing and Capital Adequacy Ratio has a simultant effect to Return on Asset. The results of this study are expected to be a material consideration for Islamic commercial banks in providing MSME financing and maintaining capital adequacy.

scholarly journals Analisis Faktor – Faktor yang mempengaruhi Profitabilitas Bank Umum di Indonesia

2019 ◽  
Vol 16 (01) ◽  
pp. 96-126
Author(s):  
Soetjiati Soetjiati ◽  
Rimi Gusliana Mais
Keyword(s):  
Statistical Tests ◽  
Fixed Effect Model ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect ◽  
Interest Margin

: This thesis aims to provide an overview of the effects of Capital Adequacy Ratio (CAR), Operating Expenses Operating Income (BOPO), Non Performing Loans (NPL), Net Interest Margin (NIM), Loan Deposit Ratio (LDR), Capital Adequacy Ratio (CAR) ) partially or simultaneously on the performance of state-owned banks in Indonesia as measured by the ratio of Return on Assets (ROA). This Research uses a correlational type of study with a quantitave approach. The statistical tests used are descriptive statistics, Determination of estimation models, and hypothesis testing with the help of Eviews 9.0 software. The population in this study were 4 state-owned banks. Research Samples are all state-owned banks in Indonesia in the 2014-2018 period in the form of quarterly data. The Fixed Effect Model Results are The Capital Adequacy Ratio has a negative effect on the performance of state-owned banks in Indonesia, which was proxied by Return on Assets (ROA), so H1 was rejected. Operating Expenses Operating income has a negative effect on the performance of state-owned banks in Indonesia, which is proxied by Return on Assets (ROA), so that H2 is received. Non Performing Loans have no  effect on the performance of state-owned banks in Indonesia which are proxied by Return on Assets (ROA), so H3 is rejected. Net Interest Margin has a positive effect on the performance of state-owned banks in Indonesia, which is proxied by Return on Assets (ROA), so that H4 is accepted. Loan to Deposits Ratio has a positive effect on the performance of state-owned banks in Indonesia, which is proxied by Return on Assets (ROA), so that H5 is accepted. The results of the F Capital Adequacy Ratio (CAR) Test, Operational Income Operating Expenses (BOPO), Non Performing Loans (NPL), Net Intererst Margin (NIM) and Loan Deposit (LDR) simultaneously affect the performance of BUMN banks in Indonesia as measured by the ratio Return on Assets (ROA), so H6 is accepted

scholarly journals Analisis Faktor-Faktor yang mempengaruhi Kinerja Keuangan Bank Umum Syariah yang terdaftar di Bursa Efek Indonesia (BEI) (Periode 2014-2016)

2020 ◽  
Author(s):  
Hamdani Hamdani
Keyword(s):  
Linear Regression ◽  
Financial Performance ◽  
Sampling Method ◽  
Predictive Ability ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Financial Report ◽  
Operating Income ◽  
Data Analyses ◽  
Capital Adequacy Ratio

This research is supposed the effect Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), (BOPO) Operating Expenses to Operating Income to Return on Asset (ROA) as a proxy of the Financial Performance of Islamic banking in Indonesia period 2014- 2016. The population in this study was 11 Islamic Bank in Indonesia in asset listed on Bursa Efek Indonesia for the period years 2014-2016, and the sample is got as 33 form 11 banking and 3 periods financial report of 2014-2016 by purposive sampling method. The data analyses employed the use of multiple linear regression with Software SPSS version 16.0. The result from this study indicates that variable Financing to Deposit Ratio and Capital Adequacy Ratio has not significant influences on ROA, while BOPO variable has significant influences on ROA. Predictive ability of the three

scholarly journals Analisis Rasio Keuangan di Bank Perkreditan Rakyat Kabupaten Badung

2021 ◽  
Vol 31 (6) ◽  
pp. 1505
Author(s):  
Kadek Virginiawan Permana Putra ◽  
I Ketut Sujana
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Analytical Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect ◽  
Selection Of

Changes in profit trend decreased in The People's Credit Bank of Badung Regency and the gap in research became the basis for research on the influence of Non Performing Loan, Capital Adequacy Ratio, Loan to Deposit Ratio and Debt to Asset Ratio on changes in profit at The People's Credit Bank in Badung Regency. The population in this study was 52 units of People's Credit Bank located in Badung Regency. The selection of samples using purposive sampling, so that obtained the number of samples of People's Credit Bank in Badung is as many as 44 banks. The analytical technique used is multiple linear regression analysis. The results of the analysis showed that Non Perfoming Loan has a negative effect on the change in profit, Capital Adequacy Ratio and Loan to Deposit Ratio have a  positive effect on the change in profit, while the Debt to Asset Ratio has no effect on the change in profit at the People's Credit Bank in Badung Regency for the period 2015-2019. Keywords: Changes in Profit; NPL; CAR; LDR; DAR.

scholarly journals ANALISIS PENGARUH NON PERFORMING FINANCING (NPF), CAPITAL ADEQUACY RATIO (CAR), FINANCING TO DEPOSIT RATIO (FDR), DAN BOPO TERHADAP PROFITABILITAS (STUDI KASUS PADA PT. BANK VICTORIA SYARIAH PERIODE 2011-2016)

2017 ◽  
Vol 1 (2) ◽  
Author(s):  
Wahyu Dwi Yulihapsari ◽  
Dien Noviany Rahmatika ◽  
Jaka Waskito
Keyword(s):  
Total Sample ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Significance Level ◽  
Financial Report ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study was conducted to examine the effect of variable Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and ROA to profitability PT. Bank Victoria Syariah as measured by Return on Assets (ROA). Data used in the study was obtained from the Quarterly Financial Report 2011-2016 period issued by PT. Bank Victoria Syariah. The total sample of 21 with the technique of multiple regression analysis and hypothesis testing using t-test and F test with a significance level of 5%, which preceded the classical assumption. The results showed the dependent variable profitability (ROA) of 94.7% can be explained by variations in four independent variables (NPF, CAR, FDR and ROA) .In partial NPF and ROA significant negative effect on ROA, CAR significant positive effect on ROA, and FDR was not significant positive effect on ROA. Simultaneously NPF, CAR, FDR and BOPO effect on ROA. Keywords : Non Performing Financing (NPF) , Capital Adequacy Ratio (CAR) , Financing to Deposit Ratio (FDR) , ROA and Return on Assets (ROA)

scholarly journals Pengaruh Capital Adequacy Ratio, Non Performing Loan dan Biaya Operasional Pendapatan Operasional Terhadap Return On Assets

2021 ◽  
Vol 4 (2) ◽  
pp. 580-590
Author(s):  
Nanin Diana Hediati ◽  
Nanu Hasanuh
Keyword(s):  
Financial Services ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Process Data ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Positive Effect

This study aims to determine whether there is an effect of CAR, NPL, and BOPO on ROA at BJB Bank for the period 2011 to 2018.The data used in this study uses secondary data in the form of BJB Bank Quarterly Published Financial Reports for the period 2011 to 2018 published by the Authority. Financial Services (OJK). The sample used is one company, namely Bank BJB as the object of research. The method used in this research is quantitative method. Tools to analyze data using multiple linear regression analysis and hypothesis testing using the t test and f test. This study uses the SPSS version 26 program to process data. The results of the research simultaneously show that the variables CAR, NPL, and OEOI have an effect on ROA. The results of the study partially show that the CAR variable has a significant positive effect on ROA, then the NPL variable has a significant positive effect on ROA, and the BOPO variable has a significant negative effect on ROA. Keywords: Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operational Cost of Operating Income (BOPO), Return On Assets (ROA).

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