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

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

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Estimasi Pengaruh Faktor Internal Bank dan Stabilitas Makroekonomi terhadap Profitabilitas dengan Mediasi Rasio Pembiayaan Bermasalah di PT Bank Muamalat Indonesia

Jurnal MAPS (Manajemen dan Perbankan Syariah) ◽

10.32483/maps.v3i2.37 ◽

2020 ◽

Vol 3 (2) ◽

pp. 93-108

Author(s):

Annisa Siti Fathonah ◽

Dadang Hermawan

Keyword(s):

Secondary Data ◽

Financial Statements ◽

Significant Positive Effect ◽

Return On Assets ◽

Internal Factors ◽

Macroeconomic Factors ◽

Operating Income ◽

Significant Negative Effect ◽

Negative Effect ◽

Positive Effect

This study aims to determine and analyze how much influence the bank's internal factors such as Equity, Operational Costs per Operating Income (BOPO), Financing Deposit to Ratio (FDR), Non Performing Financing (NPF) as a mediator and external or macroeconomic factors namely inflation and Gross Domestic Product (GDP) on profitability represented by Return on Assets (ROA) at Bank Muamalat Indonesia for the period 2008-2018. The data used in this research are secondary data obtained from the publication of quarterly financial statements from 2008 to quarter 2 of 2018. The method that used in this research is path analysis with SPSS 20.0 as the analytical tool. The results of the study partially test the hypothesis (t-test), in substructure I shows that the capital variable has a significant negative effect on NPF, BOPO and inflation has a significant positive effect on NPF, FDR and GDP do not significantly influence NPF at Bank Muamalat Indonesia. In substructure II partially, Capital, BOPO, significant negative effect on ROA, FDR and NPF has a significant positive effect on ROA, Inflation and GDP does not significantly influence ROA while simultaneously significantly influencing ROA. Based on the sobel test, capital has a significant effect on ROA through NPF, BOPO has a significant effect on ROA through NPF, FDR has a significant effect on ROA through NPF, Inflation has a significant effect on ROA through NPF, while GDP has no significant effect on ROA through NPF.

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Anteseden Return on Asset (ROA) pada Bank BUMN Indonesia

Bongaya Journal for Research in Management (BJRM) ◽

10.37888/bjrm.v2i1.158 ◽

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.

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

SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam ◽

10.36407/serambi.v2i3.241 ◽

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

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DETERMINAN HAK AMIL PERIODE 2006-2018 (STUDI KASUS BAZNAS INDONESIA)

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol8iss20211pp18-31 ◽

2021 ◽

Vol 8 (1) ◽

pp. 18

Author(s):

Baiyina Rupiawan ◽

Noven Suprayogi

Keyword(s):

Time Series ◽

Significant Positive Effect ◽

Operational Cost ◽

Fund Allocation ◽

Significant Negative Effect ◽

Analysis Technique ◽

Negative Effect ◽

Funds Allocation ◽

The Relationship ◽

Positive Effect

ABSTRAKPenelitian ini bertujuan untuk mempelajari hubungan antara pertumbuhan penggalangan dana zakat infaq dan shadaqah (ZIS), dana alokasi zakat infaq, dan shadaqah (ZIS), dan biaya operasional pada hak amil BAZNAS pusat. Penelitian ini menggunakan pendekatan kuantitatif. Jenis penelitian yang dilakukan peneliti menggunakan time series berdasarkan laporan keuangan yang dikeluarkan BAZNAS tahun 2006-2018. Teknik analisis yang digunakan adalah regresi linier berganda. Hasil penelitian secara parsial menunjukkan bahwa pertumbuhan penghimpunan dana zakat berpengaruh positif signifikan terhadap hak amil. Selain itu, pertumbuhan variabel penggalangan dana infaq/shadaqah juga berpengaruh positif signifikan terhadap hak amil. Sedangkan pada variabel alokasi dana zakat berpengaruh negatif signifikan terhadap hak amil. Variabel alokasi dana infaq/shadaqah berpengaruh negatif signifikan terhadap hak amil. Sedangkan variabel biaya operasional berpengaruh positif signifikan terhadap hak amil. Sedangkan untuk variabel pertumbuhan penghimpunan dana zakat, pertumbuhan penggalangan dana infaq/shadaqah, alokasi zakat, alokasi infaq/shadaqah, dan biaya operasional berpengaruh signifikan terhadap hak amil BAZNAS di Indonesia tahun 2006-2018.Kata kunci: Hak amil, pertumbuhan penggalangan dana zakat, pertumbuhan penggalangan dana infaq/shadaqah, alokasi zakat, alokasi infaq/shadaqah, dan biaya operasional. ABSTRACTThis research aims to study the relationship between the growth of zakat infaq and shadaqah (ZIS) fundraising, zakat infaq, and shadaqah (ZIS) allocation funds, and operational cost on the central BAZNAS amil rights. This research used a quantitative approach. This type of research attended by researchers used a time series based on financial statements issued by BAZNAS in 2006-2018. The analysis technique used is multiple linear regressions. The partial results of the research indicate that the growth of zakat fund collection has a significant positive effect on amil rights. Also, the growth of the infaq/shadaqah fundraising variable also has a significant positive effect on amil rights. Whereas, at the variable of zakat funds allocation has a significant negative effect on amil rights. The variable of infaq/shadaqah fund allocation has a significant negative effect on amil rights. Meanwhile, the variable of operational cost has a significant positive effect on amil rights. Simultaneously, for the variable of the growth in the collection of zakat funds, the growth of infaq/shadaqah fundraising, zakat allocation, infaq/shadaqah allocation, and operational cost significantly influence the BAZNAS amil rights in Indonesia in 2006-2018.Keywords: Amil rights, growth of zakat fundraising, growth of infaq/shadaqah fundraising, zakat allocation, infaq/shadaqah allocation, and operational cost.

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK SYARIAH DI INDONESIA

el-jizya Jurnal Ekonomi Islam ◽

10.24090/ej.v4i1.2016.pp1510188 ◽

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.

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ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI FINANCIAL SUSTAINABILITY RATIO PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2010 - 2014

Equilibrium Jurnal Ekonomi Syariah ◽

10.21043/equilibrium.v4i1.1836 ◽

2017 ◽

Vol 4 (1) ◽

pp. 20

Author(s):

Iqbal Notoadmojo ◽

Anita Rahmawaty

Keyword(s):

Capital Adequacy ◽

Financial Sustainability ◽

Significant Positive Effect ◽

Estimation Model ◽

Return On Equity ◽

Operating Income ◽

Significant Negative Effect ◽

Panel Data Regression ◽

Negative Effect ◽

Positive Effect

<p><em>This study aimed to analyze the influence of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return on Equity (ROE), Return on Assets (ROA), Financing Deposit Ratio (FDR), Operating Expenses Operating Income (BOPO) on Financial Sustainability Ratio (FSR) of Islamic Banking in Indonesia. The objects were Sharia Commercial Banks in Indonesia registered in Bank Indonesia / OJK period 2010 Q2 – 2014 Q4. In analyzing data, it used panel data regression analysis with the estimation model Fixed Effect, classic assumption test, and hypothesis testing used Eviews 8.0 program. Results of t test showed that the positive effect of CAR was not significant, NPF has significant negative effect, ROE has not significant negative effect, ROA has significant positive effect, FDR has not significant positive effect, and BOPO has significant negative effect. While the results of F test indicate that all independent variables significantly influence the dependent variable with adjusted R2 of 0.9646.</em></p>

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Determinant of Mudharabah Financing: A Study at Indonesian Islamic Rural Banking

ETIKONOMI ◽

10.15408/etk.v16i1.4638 ◽

2017 ◽

Vol 16 (1) ◽

pp. 43-52 ◽

Cited By ~ 2

Author(s):

Erika Amelia ◽

Eva Fauziah Hardini

Keyword(s):

Exchange Rate ◽

Time Series Data ◽

Revenue Sharing ◽

Financial Statements ◽

Capital Adequacy ◽

Series Data ◽

Capital Adequacy Ratio ◽

Negative Effect ◽

Positive Effect ◽

Linear Regressions

This study aims to determine the variables that affect the financing in the Islamic rural banking in Indonesia. The data used in this study is a monthly time series data that is from June 2009 until June 2015 in the monthly financial statements Islamic Banking Statistics published by Bank Indonesia. The analytical method used in this research is multiple linear regressions. The results of data analysis showed that the variables simultaneously deposit fund, capital adequacy ratio, inflation, exchange rate and the level of revenue sharing significantly influence the composition of financing. Partially deposit funds and the exchange rate significant positive effect, while capital adequacy ratio had a negative effect. Variable inflation and the level of revenue sharing do not significantly influence the composition of financing. This result implies that Islamic rural banking should increase the deposit funds to increase the mudaraba financing.DOI: 10.15408/etk.v16i1.4638

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PENGARUH CAR, NPL, DER DAN LAR TERHADAP ROA PADA BANK UMUM DI BURSA EFEK INDONESIA

E-Jurnal Manajemen Universitas Udayana ◽

10.24843/ejmunud.2019.v08.i12.p25 ◽

2019 ◽

Vol 8 (12) ◽

pp. 7411

Author(s):

Ayu Chintya Arie Zeuspita ◽

I Putu Yadnya

Keyword(s):

Data Analysis ◽

Commercial Banks ◽

Stock Exchange ◽

Significant Positive Effect ◽

Bank Management ◽

Significant Negative Effect ◽

Observation Methods ◽

Analysis Technique ◽

Negative Effect ◽

Positive Effect

ROA is a comparison between pre-tax profit and total bank assets. Factors that can influence ROA must be observed by bank management in order to obtain optimal ROA. Optimal ROA shows that banks are able to make good use of assets owned to generate profits. The purpose of this study was to determine the effect of CAR, NPL, DER and LAR partially on ROA in commercial banks on the IDX for the period 2013-2015. The sample in this study were banking companies listed on the Indonesia Stock Exchange for the period 2013-2015, which totaled 31 banking companies, which were taken using the census method. Data collection is done by nonparticipant observation methods. The data analysis technique used is multiple linear regression. The results showed that there was a significant positive effect between CAR and ROA. NPL shows a significant negative effect on ROA. DER shows a significant negative effect on ROA, and LAR shows a significant positive effect on ROA. Keywords: CAR, NPL, DER, LAR, ROA

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ANALISIS PENYALURAN KREDIT KONSUMSI PADA PERBANKAN DI INDONESIA TAHUN 2004 – 2010

Jurnal Ekonomi Pembangunan ◽

10.22219/jep.v12i1.3653 ◽

2014 ◽

Vol 12 (1) ◽

pp. 35

Author(s):

Oktavia Hartika

Keyword(s):

Financial Statements ◽

Capital Adequacy ◽

Third Party ◽

Consumer Loans ◽

Panel Data Regression ◽

Capital Adequacy Ratio ◽

Data Regression ◽

Negative Effect ◽

Operation Results ◽

Positive Effect

The research objective was to determine the influence of third party fund, Non-perfoming loans (NPLs), Capital Adequacy Ratio (CAR) on consumer loans disbursed. The analytical tool used panel data regression. The sample used in this study are 7 (seven) bank based on the type of operation. Results of regression, found that variable third party fund positive and significant impact on consumer loans. Variable Non-perfoming loans (NPLs) and not significant positive effect on consumer loans. This is possible due to high NPLs in the bank's financial statements only describe the overall value of the credit. Capital Adequacy Ratio (CAR) individually have a significant negative effect on consumer loans. The study reinforces previous findings that high capital still has not been followed by increased consumer credit.

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The Factor Affecting to Profitability of Bank Mandiri (Persero) Tbk. Period 2011-2020

Jurnal Mandiri ◽

10.33753/mandiri.v5i2.179 ◽

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.

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