scholarly journals PENGARUH KONSENTRASI STRUKTUR PASAR TERHADAP KINERJA INDUSTRI KOMERSIAL PERBANKAN DI INDONESIA PERIODE TAHUN 2007 - 2011

2020 ◽  
Vol 2 (4) ◽  
Author(s):  
Mr Rofanov
Keyword(s):  
Market Structure ◽  
Market Share ◽  
Commercial Banks ◽  
Concentration Ratio ◽  
Banking Industry ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Banking Market ◽  
Capital Adequacy Ratio

Based on the ratio of market share of 11 commercial banks discovered the phenomenon gap of the period 2007-2011 where 11 commercial banks dominate the banking market predominantly in Indonesia, including four state-owned banks. This phenomenon has resulted in the banking market structure tends to form an oligopoly, it is obviously affecting the behavior of banks that have a dominant position to maintain supernormal profit, which is reluctant to extend credit with low interest tribes and not a reflection of efficient behavior that ultimately lead to the real sector can not run role in the economy because of factors hampered financing. And with the market conditions are 11 commercial banks were so dominant, which is feared if one bank's collapse could affect the performance of banks in a systemic and even disrupt the Indonesian economy in general. The objectives of this research to determine the form of the banking market structure and analize the influence of concentration market structure and Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) to Return on Asset (ROA) wich is as a proxy of Financial Performance Banking in 2007 until 2011 periods. The data in this study was collected from Indonesian Banking Directory of 2007-2011. The collected sample was 11 biggest commercial banks over the period from 2007-2011. The analysis model  was used to determine the shape of banking market structure by using CR4 concentration ratio (Four Concentration Ratio) on a share of the assets, the share of third-party funding (DPK) and the share of loans, that produce banking that shaped the oligopoly market structure moderate low or concentration oligopoly level IV, where four largest banks a dominate about 42% - 50% market share. The estimation of the Fixed Effect Model unknown  that concentration market, market share, Capital Adequacy Ratio (CAR), Net Interest Margin (NIM) and the Loan to Deposit Ratio (LDR) has a positive effect on profitability (Return on Assets ) as a proxy for the performance of the banking industry. And for the  Non Performing Loan (NPL) has a negatively effect on profitability (Return on Assets) as a proxy for the performance of the banking industry.

scholarly journals Capital Adequacy Ratio, Loan To Deposit Ratio, Non Performing Loan, Operational Cost Ratio, Net Interest Margin dan Return On Assets Perusahaan Perbankan

2014 ◽  
Vol 1 (01) ◽  
Author(s):  
Darmansyah Darmansyah
Keyword(s):  
Financial Performance ◽  
Banking Industry ◽  
Jel Classification ◽  
Capital Adequacy ◽  
Cost Ratio ◽  
Operational Cost ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

A B S T R A C T According to Surat Edaran No. 3/30/DPNP dated December 14, 2001, the ratio of return on assets can be measured by the ratio of profit before tax to total assets. The greater the return on assets would indicate the higher profitability. This means that the bank’s financial performance is getting better. This study aims to examine the effect of capital adequacy ratio, loan to deposit ratio, non-performing loan, operational cost ratio and net interest margin of the return on assets. The results showed no effect of non-performing loans, operational cost ratio and net interest margin on profitability. Capital adequacy ratio, loan to deposit ratio proved no significant effect on profitability. This study contributes about factors that affect the profitability of the banking industry. A B S T R A K Menurut Surat Edaran BI No. 3/30/DPNP tanggal 14 Desember 2001, rasio return on asset dapat diukur dengan perbandingan antara laba sebelum pajak terhadap total aset. Semakin besar return on asset akan menunjukkan profitabilitas yang tinggi. Hal ini berarti kinerja keuangan bank semakin baik. Penelitian ini bertujuan menguji pengaruh capital adequacy ratio, loan to deposit ratio, non performing loan, operational cost ratio dan net interest margin terhadap return on assets. Hasil penelitian menunjukkan ada pengaruh non performing loan, operational cost ratio dan net interest margin terhadap profitabilitas. Capital adequacy ratio, loan to deposit ratio terbukti berpengaruh tidak signifikan terhadap profitabilitas. Penelitian ini memberikan kontribusi tentang faktor-faktor yang mempengaruhi prifitabilitas pada industri perbankan. JEL Classification: G14, M21

scholarly journals Capital Adequacy Ratio, Loan To Deposit Ratio, Non Performing Loan, Operational Cost Ratio, Net Interest Margin dan Return On Assets Perusahaan Perbankan

2014 ◽  
Vol 1 (01) ◽  
Author(s):  
Darmansyah Darmansyah
Keyword(s):  
Financial Performance ◽  
Banking Industry ◽  
Jel Classification ◽  
Capital Adequacy ◽  
Cost Ratio ◽  
Operational Cost ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

A B S T R A C T According to Surat Edaran No. 3/30/DPNP dated December 14, 2001, the ratio of return on assets can be measured by the ratio of profit before tax to total assets. The greater the return on assets would indicate the higher profitability. This means that the bank’s financial performance is getting better. This study aims to examine the effect of capital adequacy ratio, loan to deposit ratio, non-performing loan, operational cost ratio and net interest margin of the return on assets. The results showed no effect of non-performing loans, operational cost ratio and net interest margin on profitability. Capital adequacy ratio, loan to deposit ratio proved no significant effect on profitability. This study contributes about factors that affect the profitability of the banking industry. A B S T R A K Menurut Surat Edaran BI No. 3/30/DPNP tanggal 14 Desember 2001, rasio return on asset dapat diukur dengan perbandingan antara laba sebelum pajak terhadap total aset. Semakin besar return on asset akan menunjukkan profitabilitas yang tinggi. Hal ini berarti kinerja keuangan bank semakin baik. Penelitian ini bertujuan menguji pengaruh capital adequacy ratio, loan to deposit ratio, non performing loan, operational cost ratio dan net interest margin terhadap return on assets. Hasil penelitian menunjukkan ada pengaruh non performing loan, operational cost ratio dan net interest margin terhadap profitabilitas. Capital adequacy ratio, loan to deposit ratio terbukti berpengaruh tidak signifikan terhadap profitabilitas. Penelitian ini memberikan kontribusi tentang faktor-faktor yang mempengaruhi prifitabilitas pada industri perbankan. JEL Classification: G14, M21

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 DETERMINAN PROFITABILITAS PERBANKAN NASIONAL DI INDONESIA

2016 ◽  
Vol 1 (1) ◽  
pp. 77
Author(s):  
Nur Hayati ◽  
Musdholifah Musdholifah
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Commercial Banks ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

This research aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Operating Expenses to Operating Income (BOPO), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) on the profitability proxy with return on assets (ROA) at commercial banks listed on the Indonesia Stock Exchange from 2005 to 2010. The samples used are 14 commercial banks listed on the Indonesia Stock Exchange. The samples are taken using purposive sampling method with certain criteria. The method used in this study is to use multiple regression analysis to test the hypothesis that the t test and the f test. Before using a multiple regression analysis, performed the classic assumption test first. The results obtain in this study are simultaneously CAR, NPL, BOPO, LDR, and NIM effect on profitability by 44%. While partially CAR, BOPO, and NIM effect on profitability and LDR NPL does not affect profitability.

scholarly journals Banking Health Assessment of Commercial Banks in Indonesia Using RGEC Methods: A Comparative Study

2019 ◽  
Vol 2 (3) ◽  
pp. 122-132
Author(s):  
Wiwiek Mardawiyah Daryanto ◽  
Agung Sri Utami ◽  
Tri Septia Rakhmawati
Keyword(s):  
Corporate Governance ◽  
Commercial Banks ◽  
Health Assessment ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Composite Rating ◽  
Performance Results

The study aims to analyze and compare the banking health assessment of commercial banks in Indonesia using RGEC methods. RGEC methods are included Risk Proile, Good Corporate Governance, Earnings, and Capital (RGEC). This study used descriptive with quantitative approach. The variables in this study includes Risk Proile using ratio of Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG) using Composite Rating GCG, Earnings using ratios of Return on Assets (ROA), Net Interest Margin (NIM), and Capital using Capital Adequacy Ratio (CAR). The data were collected from audited inancial report of two commercial banks in Indonesia which are PTBank UOB Indonesia and PTBank KEB Hana Indonesia for the period 2013 to 2017. The result showed that the inancial health level of PT Bank UOB Indonesia and PT Bank KEB Hana Indonesia was quite healthy. It indicates that the ability of the corporate's performance results had achieved very well.

scholarly journals What Influences Capital Adequacy Ratio in Islamic Commercial Banks? Evidence from Indonesia

2019 ◽  
Vol 2 (1) ◽  
pp. 1-10
Author(s):  
Mursal Mursal ◽  
Darwanis Darwanis ◽  
Ridwan Ibrahim
Keyword(s):  
Commercial Banks ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect ◽  
Observation Period ◽  
Interest Margin

AbstractObjective – This study aims to examine whether Return on Assets (ROA), Financing to Deposit Ratio (FDR), Size, Net Interest Margin (NIM), and Deposit (DEP) have any influence on Capital Adequacy Ratio (CAR) of Islamic Commercial Banks in Indonesia for the period of 2015-2017. Design/methodology – The population in this study is all Islamic Commercial Banks operating in Indonesia for the period 2015-2017. The data was collected from financial statements of the Islamic Commercial Banks for the period of three years totalling of 36 observations. Multiple Linear Regression was used to analyse the data. Results – The results showed that Return on Assets (ROA) has a negative effect on Capital Adequacy Ratio (CAR). Meanwhile financing to Deposit Ratio (FDR) has a negative effect on Capital Adequacy Ratio (CAR) and size has a negative effect on Capital Adequacy Ratio (CAR). Furthermore, net Interest Margin (NIM) has a positive effect on Capital Adequacy Ratio (CAR) and lastly Deposit (DEP) has a negative effect on Capital Adequacy Ratio (CAR). Research limitations/implications – This study has limitations due to the short observation period of only 3 years from 2015 to 2017. Future studies are recommended to enhance this current study by embarking a longer period of study or by performing a comparative analysis between Islamic banks in different countries.

scholarly journals Impact of Financial Ratios on Non-Performing Loans of Publicly Traded Commercial Banks in Bangladesh

2016 ◽  
Vol 8 (1) ◽  
pp. 181 ◽  
Author(s):  
Md. Ataur Rahman ◽  
Md. Asaduzzaman ◽  
Md. Shakhaowat Hossin
Keyword(s):  
Commercial Banks ◽  
Negative Impact ◽  
Negative Influence ◽  
Positive Influence ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Significant Negative Impact

This study investigates the influences of a set of financial ratios on non-performing loans and to show to what extent of listed commercial banks in Bangladesh. In this study, we applied an econometric model to find out correlations among financial ratios and a sample of 96 observations has been analyzed from 20 banks out of 30 listed commercial banks during 2010-2015. This paper mostly agrees with the existing literature that, credit-deposit ratio, net interest margin have a positive influence on the non-performing loans and capital adequacy ratio, return on assets have a negative influence on the non-performing loans. This research also reveals that, sensitive sector’s loan, priority sector’s loan have significant positive influence on the non-performing loans and unsecured loans, profit per employee, investment deposit ratio have significant negative impact on gross non-performing loan. The findings of this research would help commercial banks to maintain standard financial ratios in order to improve their loan qualities and it would be beneficial to the central bank to examine its existing policy in banking supervision relating to the ratios of regulatory requirements like capital adequacy ratio the banks shall maintain.

scholarly journals The Effect Of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), and Loan To Deposit Ratio (LDR) Against Return On Asset (ROA) In General Banks In Southeast Asia 2012-2018

2020 ◽  
Vol 1 (4) ◽  
pp. 149-158
Author(s):  
Deni Sunaryo
Keyword(s):  
Regression Analysis ◽  
Southeast Asia ◽  
Commercial Banks ◽  
Quantitative Data ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to determine the effect of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non Performing Loan (NPL), dan Loan to Deposit Ratio (LDR) in the Return On Asset (ROA) on the Commercial Banks in Southeast Asia in 2012-2018. The independent variabel used in this study is Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non Performing Loan (NPL), dan Loan to Deposit Ratio (LDR). The dependent variabel used is Return On Assets (ROA). The methode used in this study uses purposive sempling technique, using scondary and quantitative data. The results of the analysis show that the data used in this study have met the classical assumption test, multiple regression analysis and hypothesis testing using t test an f test and the test the coefficient of determination using SPSS version 23. Based on the results of the study it can be concluded that 1) Capital Adequacy Ratio (CAR) has a positive and significant effect on Return On Asset (ROA). 2) Net Interest Margin (NIM) has a positive and significant effect on Return On Asset (ROA). 3) Non Performing Loan (NPL) no has a positive and significant effect on Return On Asset (ROA). 4) Loan to Deposite Ratio (LDR) has a negative and significant effect on Return On Asset (ROA).

Kinerja Rasio Keuangan Perbankan Islam Dan Konvensional: Studi Komparatif

Liquidity ◽  
2018 ◽  
Vol 2 (1) ◽  
pp. 13-20
Author(s):  
Amrizal Amrizal
Keyword(s):  
Annual Report ◽  
Capital Adequacy ◽  
Average Increase ◽  
Return On Assets ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The article focuses to analyze finance ratio consist of Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM) Capital Adequacy Ratio (CAR) except Earnings before Interest Tax (EBIT). The research is conducted to three conventional banking (BNI 46, Mandiri and BRI) and three syariah banking (Bank Muamalat Indonesia, Bank Mega Syaria and Bank Syariah Mandiri) for annual report periods 2007 to 2011. The result shows, the average increase EBIT to conventional banking groups during period 2007 to 2011 are 1.91% while the average EBIT to syariah banking groups are 1.53%. The average of ROA to conventional banking groups are 3.01% while the average ROA to syariah banking groups are 1.99%. The average of ROE to conventional banking groups is 24.19% while the average of ROE to syariah banking groups is 33.31%. The average of NIM to conventional banking groups during period 2007 to 2011 are 7.08% while the average of NIM to syariah banking groups during period 2007 to 2011 are 8.14%. The average of CAR to conventional banking groups is 15.63%, while the average of CAR to syariah banking groups during the period are 12.19%.

scholarly journals PENGARUH RASIO CAPITAL ADEQUACY, LOAN TO DEPOSIT, NET INTEREST MARGIN TERHADAP PERTUMBUHANLABA (STUDI KASUS PADA BANK UMUM KONVENSIONALYANG TERDAFTAR DI BURSA EFEK INDONESIA)

AKUNTABILITAS ◽  
2019 ◽  
Vol 11 (2) ◽  
pp. 115-126
Author(s):  
Bambang Suryadi ◽  
Lis Djuniar
Keyword(s):  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Test Results ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Research Population ◽  
Profit Growth ◽  
Interest Margin

This study is how Influence Ratio Capital Adequacy Ratio, Loan to Deposit Ratio, Net Interest Margin Against Profit Growth at Conventional Commercial Banks Listed on Indonesia Stock Exchange. the purpose of this study is to analyze the Influence of Capital Adequacy Ratio Ratio, Loan to Deposit Ratio, Net Interest Margin on Profit Growth at Conventional Commercial Banks Listed on Indonesia Stock Exchange. The type of research used is associative research. The research population is conventional commercial bank in Indonesia. The research variables are Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), and Profit Growth. The data used is secondary data. Data collection methods are quantitative. Partial test results show that NIM has a significant effect on Profit Growth, While CAR and LDR have no significant effect to Profit Growth.

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