scholarly journals Determinants of Bank Performance in Indonesia

2019 ◽  
Vol 6 (2) ◽  
pp. 193
Author(s):  
Bahtiar Usman ◽  
Henny Setyo Lestari
Keyword(s):  
Gross Domestic Product ◽  
Positive Impact ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Bank Performance ◽  
Return On Assets ◽  
Management Efficiency ◽  
Negative Effect ◽  
Conventional Banks ◽  
Asset Quality

This study aims to examine the determinants of commercial banks’ performances in Indonesia in the period 2008-2017 by their return on assets. Capital adequacy, asset quality, management efficiency and liquidity, and gross domestic product functioned as the predictors. The sample of this study was 25 conventional banks meeting the criteria of the purposive sampling method. The panel data with Eviews shows that asset quality has a negative effect and management efficiency has a positive impact on bank performance. Capital adequacy, liquidity, and gross domestic product growth rate do not affect the bank's performance. Managers need to tighten lending, carry out credit restructuring and manage the balance between assets and liabilities and, supervise credit.

scholarly journals The effect of asset quality, profit and loss sharing on Sharia Banking Liquidity in Indonesia

2022 ◽  
Vol 27 ◽  
pp. 423-436
Author(s):  
Anggraeni Anggraeni ◽  
Yulis Maulida Berniz
Keyword(s):  
Gross Domestic Product ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Islamic Banks ◽  
Return On Assets ◽  
Investment Bank ◽  
For Profit ◽  
Capital Adequacy Ratio ◽  
Asset Quality

This study aims to determine the effect of asset quality variables (Non-Performing Financing), Profit and Loss Sharing (profit-loss sharing investment and profit-sharing investment account), capital adequacy ratio, bank size, return on assets, and gross domestic product on Islamic banking liquidity in Indonesia. The analysis was conducted using a sample of 7 Islamic commercial banks from the period March 2015 to December 2019. This study uses 2 multiple regression models of panel data with the results showing that Non-Performing Financing, profit-loss sharing investment, bank size, gross domestic product affect the liquidity of Islamic banks. , then for-profit sharing investment account, capital adequacy ratio, return on assets, does not affect the liquidity of Islamic banks.

scholarly journals EFFECT OF GROSS DOMESTIC PRODUCT, INFLATION, INTEREST RATE, PROFITABILITY AND CAPITAL ADEQUACY RATIO TO NON PERFORMING LOAN ON MIXED BANKS IN 2012-2015

2018 ◽  
Vol 14 (1) ◽  
pp. 1
Author(s):  
Ekayana Nurnaningtyas ◽  
Purwohandoko Purwohandoko
Keyword(s):  
Gross Domestic Product ◽  
Interest Rates ◽  
Financial Institution ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Economic Factors ◽  
Return On Assets ◽  
The Public ◽  
Capital Adequacy Ratio ◽  
Negative Effect

Bank is a financial institution with the purpose of providing loans and services. Credit is the provision of money or product that is equated with money to make an agreement between the bank and the borrower where the borrower is obliged to fulfill its obligations within the period specified by the interest paid first. But in the process of lending to the public, the banks have problems such as credit risk, where the borrower is unable to repay the loan as agreed. So this raises the problem loans or bad credit. This study aims to determine the effect of economic factors, which uses variable Gross Domestic Product (GDP), inflation, and interest rates, as well as the internal bank uses variable profitability by proxy Return on Assets (ROA), and the Capital Adequacy Ratio (CAR ) against non-performing loans (NPLs). Data used in this study is taken from mixed banks year period 2012-2015. The analytical method used in this study is the linear multiple regression analysis. Variabel interest in this study is removed from the model because it does not pass the classic assumptions test. The research results are variable GDP negative effect on NPLs, the economy will increase the value of NPLs. CAR negative effect on NPLs, increasing the bank's capital will reduce the level of NPLs. ROA and inflation does not affect the NPL, any changes in these two variables do not affect the value of the NPL.

scholarly journals Analisis Faktor Eksternal dan Internal Bank terhadap Risiko Pembiayaan Bank Umum Syariah di Indonesia Periode 2012-2015

2018 ◽  
Vol 9 (1) ◽  
pp. 13
Author(s):  
Amalia Eka Purnamasari ◽  
Musdholifah Musdholifah
Keyword(s):  
Exchange Rate ◽  
Gross Domestic Product ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Negative Influence ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Analysis Model ◽  
Return On Assets ◽  
Capital Adequacy Ratio

The purpose of this research was to determine effect of growth gross domestic product, inflation, exchange rate, capital adequacy ratio, return on assets, operating expenses to operating revenues and bank size on financing risk (NPF) of Sharia Banks period 2012-2015. The data that use in this research is the secondary data, that is financial statement of Sharia Banks in Indonesia period 2012-2015. The sampling method that used in this research are purposive sampling and data analysis model used is the multiple linear regression analysis. The result of this research show that simultaneous each external and internal bank factor have influence on the NPF. But partially, showed that eksternal factor, namely growth gross domestic product, inflation and exchange rate have no influence on the NPF. While from the internal bank showed capital adequacy ratio and operating expenses to operating revenues have no influence, return on assets have a negative influence and bank size have a positive influence on the NPF. 

scholarly journals ANALISIS PENGARUH CAR, LOAN, GDP DAN INFLASI TERHADAP PROFITABILITAS BANK DI INDONESIA

2017 ◽  
Vol 10 (2) ◽  
pp. 116-126
Author(s):  
Fangky A. Sorongan
Keyword(s):  
Regression Analysis ◽  
Gross Domestic Product ◽  
Banking System ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Bank Profitability ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
The Relationship

This study aims to examine the relationship between bank profitability and the factors that affect the level of profitability of the banking system in Indonesia. The population and samples used in this study are ten banks with the largest total assets in Indonesia such as BRI, Bank Mandiri, BCA, BNI, CIMB Niaga, BTN, Bank Panin, Bank Permata, Maybank and Bank Danamon, with observation year 2012 until by 2015. Dependent variable is profitability represented by return on asset (ROA), while four independent variables are CAR (capital adequacy ratio), LOAN, GDP (gross domestic product) and inflation. The result of regression analysis shows that CAR, LOAN, GDP have important contribution significantly to profitability (ROA) in bank in Indonesia, while the inflation variable has no significant and negative effect on profitability (ROA).

scholarly journals INFLUENCE OF RISK ASSETS IMPAIRMENT ON PERFORMANCE OF NIGERIAN LISTED DEPOSIT MONEY BANKS

2020 ◽  
Vol 5 (3) ◽  
pp. 41-63
Author(s):  
Adewale Joel Adebisi ◽  
Adeyemi Wasiu Alabi ◽  
Kolawole Fatimehin
Keyword(s):  
Gross Domestic Product ◽  
Negative Impact ◽  
Positive Impact ◽  
Random Effect ◽  
Negative Relationship ◽  
Secondary Data ◽  
Negative Influence ◽  
Domestic Product ◽  
Return On Assets ◽  
Operating Profit

Profitability is critical to the survival of Nigerian deposit money banks which is consistently been eroded by the impaired risk assets. Hence, this study was conducted to examine influence of risk assets impairment on performance of Nigerian deposit money banks. The specific objectives of the study were to; (i) determine the effect of impairment loss on operating profit; (ii) analyze effect non-performing loans ratio affect return on assets of Nigerian deposit money banks. Secondary data were collected and analysed using fixed and random effect regression analysis methods from a sample of 14 listed Nigerian deposit money banks. The study revealed that impairment loss, have significant negative relationship with operating profit (β=2.294, p‹ 0.01) and non-performing loan ratio have significant positive relationship with return on assets (β=0.067, p‹ 0.1). However, other variables such as inflation, liquidity and gross domestic product per capital also have effect on banks performance. The study concluded that risk assets impairment has significant negative influence on performance and that inflation, liquidity and gross domestic product have negative impact on profitability, while bank size has positive impact on profitability. The study recommended that; bank directors should put effective risk assets impairment test in place to boost reported profitability; the bank management should ensure effective management of liquidity ratio to boost return on equity; government policymakers should ensure that banks are mandated to disclose their risk assets impairment and expand their size by extending banking services to the unbanked areas.

scholarly journals Determinants of Profitability: Evidence from Brokerage Companies Listed at Amman Stock Exchange

2018 ◽  
Vol 4 (3) ◽  
pp. 223
Author(s):  
Ahmad Dahiyat
Keyword(s):  
Gross Domestic Product ◽  
Economic Activity ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Return On Assets ◽  
Macroeconomic Variables ◽  
Amman Stock Exchange ◽  
Macroeconomic Determinants ◽  
Simple Regression

<p><em>This paper examines the factors determining the profitability of the brokerage companies (Brokers) listed at Amman Stock Exchange during the period from 2013 to 2017. The profitability of brokerage companies is measured by Return on Assets (ROA) as a function of broker specific and macroeconomic determinants. Simple regression was also used to analyze the data, examine the relations, and measure the effect of determinants on brokerage companies’ profitability. The findings revealed that assets quality and Capital adequacy have a positive and significant impact on broker profitability. Furthermore, the results of the study show that broker size has a negative (inverse) impact on broker profitability, while the analysis of macroeconomic variables records that economic activity measured by inflation and Gross Domestic Product (GDP) has no effect on brokers’ profitability.</em></p>

scholarly journals Effect Of Gross Domestic Product, Liquidity, Size, Growth, Capital Adequacy Ratio, And Inflation On Financial Performance

2021 ◽  
Vol 17 (1) ◽  
pp. 46
Author(s):  
Purwohandoko Purwohandoko ◽  
Sri Setyo Iriani
Keyword(s):  
Gross Domestic Product ◽  
Financial Performance ◽  
Stock Exchange ◽  
Consumer Price Index ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Financial Reports ◽  
Capital Adequacy Ratio ◽  
Size Growth ◽  
Negative Effect

Research on the Gross Domestic Product was measured based on the basis price taken from BPS in 2012-2017, size was measured using a natural log of total assets, Liquidity was measured using the loan to deposite ratio, size was measured using a natural log of total assets, growth was measured using the change in the total assets of previous year, adaequacy capital ratio, measured using the total capital divided by risk-weighted assets, and inflation is measured using the consumer price index. The population in this study was all the banks listed on the Stock Exchange. The sample in this research that private banks listed on the Stock Exchange during 2012-2017 and they was published the complete financial reports. This study used multiple linear regression. The result of this study showed that  the liquidity and capital adequacy ratio did not affect the financial performance. Gross Domestic Product, Size and growth had a significant positive effect on financial performance. While inflation was a significant negative effect on financial performance.

scholarly journals The Role of Using CAMELS Model in Analyzing the Factors Affecting the Performance of The Jordanian Commercial Banks (2014-2019)

2021 ◽  
Vol 17 (2) ◽  
pp. 3-11
Author(s):  
Senan Amer
Keyword(s):  
Quality Management ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Rate Of Return ◽  
Return On Assets ◽  
Return On Equity ◽  
Factors Affecting ◽  
Management Efficiency ◽  
Asset Quality ◽  
The Impact

In this study, the factors affecting the performance of Jordanian commercial banks have been analyzed using the elements of the CAMELS model, along with identifying the most important factors. The study targeted the impact of twenty Jordanian commercial banks on performance-; these banks were listed on the Amman Stock Exchange during the period of 2014-2019. The researcher used the Data Pooled Regression Method, due to its relevance to the nature of the data used in the study, where this method is used in the case of a time series and cross-sectorial data. The Rate of Return on Assets and the Rate of Return on Equity were used as the two variables on which the banks’ performance was measured. However, the independent variables included the CAMELS model elements which are capital adequacy, asset quality, management efficiency, earnings, liquidity, and sensitivity to market risks, in addition to macroeconomic variables, which include the rate of economic growth and the rate of inflation. The study concluded that capital adequacy, asset quality, management efficiency, and earnings are among the most important and most influential factors with regards to the Jordanian commercial banks, which - are is represented by the Rate of Return on Assets and the Rate of Return on Equity. Moreover, the study also concluded that it is possible to derive a miniature model from the CAMELS model called the CAME model, which has a great ability to explain and measure the performance of commercial banks in Jordan. Finally, the study recommended the Central Bank of Jordan to use the CAMELS model to evaluate Jordanian commercial banks.

scholarly journals Faktor-Faktor yang Memengaruhi Profitabilitas Bank Umum Syariah di Indonesia

2020 ◽  
Vol 4 (3) ◽  
pp. 06
Author(s):  
Eliza Christabella Phuanerys ◽  
Yanuar Yanuar
Keyword(s):  
Commercial Banks ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Debt Ratio ◽  
Return On Assets ◽  
Liquidity Management ◽  
Management Efficiency ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Asset Quality

This study was conducted to analyze the effect of the Capital Adequacy, Asset Quality, Management Efficiency and Liquidity Management ratios on profitability proxied by bank Return On Assets (ROA), by analyzing the annual financial statements that have been published in 2013-2017. The variables used in analyzing the financial statements of Sharia Commercial Banks that are sampled are Asset Quality which is proxied by Non Performing Financing (NPF), Liquidity Management which is proxied by Financing to Debt Ratio (FDR), Management Efficiency proxied by Net Operating Margin (NOM), and Capital Adequacy proxied by Capital Adequacy Ratio (CAR). The sample in this study was 11 Islamic commercial banks for 5 years, namely 2013-2017. The results showed that Capital Adequacy, Asset Quality, and Liquidity Management significantly influenced the profitability of Islamic commercial banks. Whereas Management Efficiency does not affect the profitability of Islamic commercial banks. Based on these results, Sharia Commercial Banks in Indonesia must increase capital, reduce problematic financing by improving internal processes, and increase bank liquidity by increasing fundraising.

scholarly journals PENGARUH RASIO KESEHATAN BANK TERHADAP VOLUME PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA

2018 ◽  
Vol 2 (1) ◽  
pp. 1
Author(s):  
Irsad Andriyanto ◽  
Aprilia Inge Prastika
Keyword(s):  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Asset Quality ◽  
Positive Effect ◽  
Observation Period

This research aimed to analyze the effect of financial ratios on financing successfully channeled by Sharia Commercial Banks in Indonesia in 2015- 2018. The bank's ratio is measured through CAMELS ratios (Capital, Asset Quality, Management, Earning, Liquidity, Sensitivity to Market Risk) for each aspect. Capital aspects are measured using the Capital Adequacy Ratio (CAR), asset quality (Asset Quality) is measured using Non Performing Financing (NPF), profitability (Earning) is measured using Return on Assets (ROA) and Operational Expenses to Operating Revenues (BOPO ), and liquidity (Liquidity) is measured using Financing to Deposit Ratio (FDR). The samples are 13 Sharia Commercial Banks with the observation period from January 2015 till May 2018. The data obtained through Sharia Banking Statistics (SPS) are then processed by multiple linear regression analysis. The results showed that the NPF and BOPO had a negative effect on the financing volume of sharia commercial banks, while ROA had a positive effect. In other way, the CAR and FDR have no significant effect on the financing volume of sharia commercial bank. This is because the capital is used to cover troubled financing and to maintain public trust

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