scholarly journals Analisis Kinerja Keuangan berdasarkan Rasio Keuangan pada PT. BPR. Saptacristy Utama

2017 ◽  
Author(s):  
NI LUH KOMANG AYU PRADNYANI ◽  
I NYOMAN GEDE USTRIYANA ◽  
I GUSTI AYU AGUNG LIES ANGGRENI
Keyword(s):  
Financial Performance ◽  
Activity Ratio ◽  
Financial Analysis ◽  
Financial Institution ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Return On Equity ◽  
Leverage Ratio ◽  
Capital Adequacy Ratio ◽  
Net Profit

Analysis of Finece Performance Base on Fund Finance Ratio of PT. BPR. Saptacristy UtamaRural Banks (BPR) is a formal financial institution that has a function as a financialintermediary, especially on the national microfinance system. The study aimed tofind out the financial performance of PT. BPR. Saptacristy Utama when it wasanalyzed based on the financial ratios during the period of 2011 to 2015. Based onthe results of the financial analysis, liquidity ratio is categorized good, when viewedfrom the average cash ratio and the average loans to deposit ratio. The solvency ratiois said to be good, judging by the average capital adequacy ratio. Activity ratio isquite good when viewed from the multiplier leverage ratio and asset utilization ratiothat continue to increase. The profitability ratio is classified to be good,as can beseen on the average net profit margin, return on assets and return on equity. PT. BPR.Saptacristy Utama is expected to maintain its financial performance by strengtheningits business activities to increase the amount of its assets, the amount of thedistribution of funds in the form of loans and the placement of funds in other banksshould also be increased, revenue of operations and profits for subsequent yearsshould beincreased, as well as improving sale and service to its customers andprospective customers.

scholarly journals PENGARUH KINERJA KEUANGAN TERHADAP HARGA SAHAM PERUSAHAAN PERBANKAN BUMN DI BURSA EFEK INDONESIA PERIODE TAHUN 2010-2017

2019 ◽  
Vol 5 (2) ◽  
Author(s):  
Defry Wijaya Rimba ◽  
Muthia Harnida
Keyword(s):  
Financial Performance ◽  
Stock Prices ◽  
Stock Price ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Profit Margin ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Price Earnings Ratio

Abstract: The aim of this research is to examine the effect of financial performance on the stock prices of state-owned (BUMN) banking companies in the Indonesian Stock Exchange for the period 2010-2017.The financialperformance consists of Non Performing Loans, Return on Assets, Capital Adequacy Ratio, Price Earning Ratio, and Net Profit Margin. The analysis in this study  used the multiple linier regression with 32 observations. Simultaneously all variables affect the stock price of Banking Companies of BUMN that listed on the  Indonesian Stock Exchange  for the period of 2010-2017. But partially, the variables which affect the stock price are  only Return On Assets, Capital Adequacy Ratio, and Net Profit Margin.  Whereas the variable of  Non Performing Loans and Price Earning Ratio do not affect the stock price of Banking Companies of BUMN  in the Indonesian Stock Exchange for the period of 2010 until 2017 Keywords: Performance, Non Performing Loans, Return On Assets, Capital Adequacy Ratio, Price Earning Ratio, Net Profit Margin, Stock Price Abstrak: Tujuan penelitian ini adalah untuk menguji pengaruh kinerja keuangan terhadap harga saham pada perusahaan perbankan BUMN yang terdaftar di Bursa Efek Indonesia untuk periode 2010-2017. Kinerja keuangan yang diuji meliputi Non performace Loans (NPL), Return on assets (ROA), CapitalAdequacy Ratio (CAR), Price Earnings Ratio(PER),dan Net Profit Margin (NPM). Hasil penelitian dengan menggunakan analisis regresi linier berganda,dengan sampel sebanyak 32 observasi menunjukkkan hasil bahwa secara simultan semua variabel yang terdiri dari Non performace Loans (NPL), Return on assets (ROA), CapitalAdequacy Ratio (CAR), Price Earnings Ratio(PER),dan Net Profit Margin (NPM)  berpengaruh terhadap harga saham . Sedangkan secara parsial variabel yang berpengaruh terhadap harga saham adalah return on assets (ROA), CapitalAdequacy Ratio (CAR), dan Net Profit Margin (NPM), sementara Non Performing Loans (NPL) dan Price Earnings Ratio (PER) secara statistik tidak berpengaruh terhadap harga saham perusahan perbankan BUMN yang terdaftar di Bursa Efek Indonesia untuk periode pengamatan 2010-2017 Kata kunci : Kinerja, Non Performing Loans, Return On Assets, Capital Adequacy Ratio, Price Earning Ratio, Net Profit Margin, harga saham

scholarly journals Analisis Komparasi Kinerja Keuangan pada PT. Bank Negara Indonesia (Persero) Tbk dan PT. Panin Bank Periode 2014-2018

2019 ◽  
Vol 9 (2) ◽  
pp. 58
Author(s):  
Greyti S. Y. Pongoh ◽  
William A. Areros ◽  
Joanne V. Mangindaan
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Capital Adequacy ◽  
Analysis Method ◽  
Return On Assets ◽  
Financial Ratio ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Model Bank ◽  
Bank Soundness

In measuring the soundness of the bank, Bank Indonesia uses the financial ratio of the CAMELS model (Bank Indonesia Regulation No. 6/10 / PBI / 2004) concerning the Commercial Bank Soundness Rating System. The purpose of this research is to find out the significant differences in financial performance between PT. BNI, Tbk with PaninBank and the dominant variable as a differentiator of significant financial performance between PT. BNI, Tbk with PaninBank. The data analysis method used in this study is two different tests independent sample. The results showed that of the 5 variables, there were only two variables that were not statistically different, namely Capital Adequacy Ratio (CAR) (X1) and Loan to Deposit Ratio (LDR) (X5) while the different variables were Return On Risked Asset (RORA) ( X2), Net Profit Margin (NPM) (X3) and Return On Assets (ROA) (X4)

scholarly journals Analisis pengaruh rasio kinerja keuangan terhadap profitabilitas bank pembiayaan rakyat syariah di indonesia

2018 ◽  
Vol 22 (1) ◽  
Author(s):  
Ahmad Azmy
Keyword(s):  
Financial Performance ◽  
Multiple Regression Model ◽  
Capital Adequacy ◽  
Performance Ratio ◽  
Operating Expense ◽  
Return On Assets ◽  
Return On Equity ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Ratio Variables

This research analyzes about the influence of financial performance ratio to profitability of Rural Bank of Sharia in Indonesia. Financial performance ratio variables are proxied by the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Income Operating Expenses (BOPO). Profitability ratio is proxied with Return on Assets (ROA) and Return on Equity). The method used is Lin-Log Logarithm Transformation on Multiple Regression model. The results explain that the Capital Adequacy Ratio (CAR) ratio has no effect and the direction of negative moving relation to ROA and ROE. Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) ratios have a negative moving influence and direction towards ROA and ROE. Operating Expense and Operating Revenue Ratios have a significant influence. Direction of negative moving relation to Return on Assets (ROA) and positive to Return on Equity (ROE). This study found that the profitability of Sharia Rural Banks in Indonesia (BPRS) is influenced by the level of problem financing, proper allocation of financing, and the balance of operational efficiency.

scholarly journals Kinerja Keuangan Sebelum dan Sesudah Penerapan Good Corporate Governance pada PT. Bank Pembangunan Daerah Bali

2020 ◽  
Vol 30 (7) ◽  
pp. 1750
Author(s):  
Ida Bagus Odi Rezky Saputra ◽  
Ni Made Dwi Ratnadi
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Study Data ◽  
Capital Adequacy ◽  
Literature Study ◽  
Return On Assets ◽  
Return On Equity ◽  
Operating Income ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

This research is in the form of observations on PT Bank Pembangunan Bali which has implemented Good Corporate Governance. The data collection method uses documentation study data and literature study. This is intended to obtain a clearer picture in order to solve the problem under study. Analysis of the data used includes an analysis of financial performance based on liquidity ratios, profitability and solvency. The results of this study indicate an increase in financial performance after the implementation of Good Corporate Governance when viewed using Return on Assets, Operating Expenses / Operating Income, Capital Adequacy Ratio, Non-Performing Loans. Meanwhile, if viewed through the ratio of Loan to Deposit and Return on Equity the study found a decrease in performance after the implementation of Good Corporate Governance. Keywords: Good Corporate Governance; Financial Performance; Bank.

scholarly journals Penilaian Kinerja Keuangan 5 Perusahaan Perbankan Terbesar Periode 2010-2012 Menggunakan DuPont System

2013 ◽  
Vol 4 (2) ◽  
pp. 834-840
Author(s):  
Theresia Lesmana
Keyword(s):  
Financial Performance ◽  
Central Asia ◽  
Financial Institutions ◽  
Financial Analysis ◽  
Profit Margin ◽  
Return On Assets ◽  
Return On Equity ◽  
Market Capitalization ◽  
Net Profit ◽  
Financial Aspect

Assessment of corporate performance can be viewed from financial aspect and nonfinancial aspect. This study attempted specifically to measure financial performance by using the DuPont system of financial analysis. DuPont system disaggregates performance into three components. They are Net Profit Margin (NPM), Return on Assets (ROA) and Return on Equity (ROE). Object of this study is five largest financial institutions based on market capitalization and go public. Those five financial institutions are Bank Republik Indonesia (Persero) Tbk (BBRI), Bank Central Asia Tbk (BBCA), Bank Mandiri (Persero) Tbk (BMRI), Bank Negara Indonesia (Persero) Tbk (BBNI) and Bank Danamon Indonesia Tbk (BDMN). The financial performance of five banks was measured for three periods, from 2010 until 2012. It was found that only Bank Negara Indonesia (Persero) Tbk is the best financial performance using DuPont System.

scholarly journals Analisis Perbandingan Kinerja Keuangan Bank Aceh Sebelum dan Sesudah Konversi Syariah

2021 ◽  
Vol 4 (2) ◽  
pp. 288-300
Author(s):  
Budianto Budianto ◽  
Dara Angreka Soufyan
Keyword(s):  
Financial Performance ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Return On Equity ◽  
Paired Sample ◽  
Normality Test ◽  
Capital Adequacy Ratio ◽  
Before And After ◽  
Composite Rating

This study aims to compare the financial performance before and after the conversion from conventional to sharia systems at PT. Aceh Sharia Bank. Measurement of financial performance using the RGEC (Risk Profile, GCG, Earnings, Capital) method, where, Risk Profile is measured by the ratio of Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR), GCG is measured using a composite rating, Earnings using Return On Assets (ROA) and Return On Equity (ROE), while Capital is measured by the Capital Adequacy Ratio (CAR). The observations in this study used published financial statements for the three-year period before conversion (2013-2015) and three years after conversion (2016-2018). Testing the data analysis used the Paired Sample T-Test on a paired sample, while the data normality test used Shapiro-Wilk and Wilcoxon. Based on the results of analysis and testing, it is concluded that there are differences in financial performance before and after conversion as measured by the ratio of NPF and ROA. Meanwhile, the financial performance as measured by the ratio of FDR, ROE, CAR and GCG did not show significant differences.

scholarly journals Pengaruh Return On Equity, Return On Asset, Dan Net Profit Margin Terhadap Capital Adequacy Ratio (Studi Empiris Pada Perusahaan Sektor Perbankan Konvensional yang Terdaftar di Bursa Efek Indonesia Periode Tahun 2015 – 2018)

2021 ◽  
Vol 6 (1) ◽  
pp. 91-105
Author(s):  
Natrion ◽  
Filda Inacha Zuki
Keyword(s):  
Capital Adequacy ◽  
Profit Margin ◽  
Return On Assets ◽  
Return On Equity ◽  
Profit Margins ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Asset Quality

Rasio kecukupan modal yang digunakan untuk mengukur kesehatan bank adalah Capital Adequacy Ratio (CAR). Rasio kecukupan modal dapat diukur dari rasio permodalan (capital), rasio aset (asset quality), manajemen (management), rasio laba (earnings), dan rasio likuiditas (liquidity). Penelitian ini bertujuan untuk mengetahui apakah Return On Equity, Return On Assets, dan Net Profit Margins berpengaruh terhadap Capital Adequacy Ratio pada perusahaan sektor perbankan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2015-2018. Desain yang digunakan dalam penelitian ini adalah penelitian kausal, metode yang digunakan adalah metode studi kepustakaan dan metode dokumentasi sedangkan jenis data yang digunakan dalam penelitian ini adalah data sekunder dan populasi yang digunakan adalah sektor perbankan dan terdaftar di Bursa Efek Indonesia untuk periode 2015-2018. Metode pengambilan sampel menggunakan metode purposive sampling. Berdasarkan kriteria yang telah ditentukan diperoleh jumlah sampel perusahaan 28 perusahaan selama 4 tahun, sehingga total sampel adalah 112. Pengujian hipotesis menggunakan analisis regresi linier berganda. Hasil penelitian secara parsial membuktikan bahwa Return On Equity, Return On Assets berpengaruh signifikan terhadap Capital Adequacy Ratio. Sedangkan Net Profit Margin tidak berpengaruh terhadap Capital Adequacy Ratio. Hasil penelitian secara simultan membuktikan bahwa Return On Equity, Return On Assets, dan Net Profit Margin berpengaruh terhadap Capital Adequacy Ratio. Dengan nilai Adjusted R square sebesar 50,4% yang berarti variabel Capital Adequacy Ratio dapat dijelaskan oleh variabel Return On Equity, Return On Asset dan Net Profit Margin.

scholarly journals Analisa Perbandingan Kesehatan Bank Menggunakan Metode Camels

2021 ◽  
Vol 4 (2) ◽  
pp. 764-774
Author(s):  
Santy Pujaraniam ◽  
Sri Hermuningsih ◽  
Agus Dwi Cahya
Keyword(s):  
Asset Management ◽  
Capital Adequacy ◽  
Profit Margin ◽  
Capital Asset ◽  
Return On Assets ◽  
Return On Equity ◽  
Expense Ratio ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Interest Expense

Penelitian ini bertujuan untuk mengetahui apakah terdapat perbedaan antara tingkat kesehatan bank konvensional dan bank syariah pada periode 2015-2019. Penelitian ini menggunakan metode CAMELS yang terdiri dari Capital, Asset, Management, Earnings, Liquidity dan Sensitivity to Market Risk agar mengetahui bagaimana kondisi kesehatan suatu bank tersebut. Pada aspek permodalan menggunakan rasio Capital Adequacy Ratio, Non Performing Loan mewakili aspek aset, Net Profit Margin mewakili aspek manajemen, Return On Assets, Return On Equity, Biaya Operasional dan Pendapatan Operasional mewakili aspek rentabilitas, Loan To Deposit Ratio mewakili aspek likuiditas dan Interest Expense Ratio mewakili aspek sensitivitas terhadap risiko pasar. Jenis penelitian yang digunakan adalah penelitian deskriptif kuantitatif dengan menggunakan perangkat lunak SPSS 16. Sumber data pada penelitian ini adalah data sekunder. Teknik pengambilan sampelnya menggunakan purposive sampling. Metode pengumpulan datanya adalah data sekunder. Data yang digunakan dalam penelitian ini merupakan data – data sekunder yang diperoleh melalui situs Bursa Efek Indonesia dan situs resmi setiap sampel bank yaitu berupa laporan keuangan perusahaan selama 5 tahun. Penelitian ini menggunakan uji normalitas dan uji beda atau analisis perbandingan Independent Sample T-test untuk analisis statistik dan uji hipotesis. Hasil analisis ini menemukan tidak terdapat perbedaan antara tingkat kesehatan bank konvensional dan syariah pada rasio Capital Adequacy Ratio, Loan To Deposit Ratio dan Interest Expense Ratio, namun terdapat perbedaan pada rasio Non Performing Loan, Net Profit Margin, Return On Assets, Return On Equity, dan Biaya Operasional dan Pendapatan Operasional. Maka dapat disimpulkan bahwa bank konvensional memiliki kondisi kesehatan yang lebih baik dibandingkan bank syariah selama periode 2015-2019.

scholarly journals ANALISIS KINERJA KEUANGAN PT. BANK SINARMAS Tbk, UNIT USAHA SYARIAH

2018 ◽  
Vol 6 (1) ◽  
Author(s):  
Suwarni Suwarni ◽  
Karona Cahya Susena ◽  
Wika Gusti
Keyword(s):  
Financial Performance ◽  
Key Words ◽  
Capital Adequacy ◽  
Business Unit ◽  
Return On Assets ◽  
Return On Equity ◽  
Financial Report ◽  
Capital Adequacy Ratio ◽  
Solvency Ratio ◽  
Equity Perspective

Suwarni, Karona Cahya Susena, Wika Gusti Halimah; The purpose of this study is to determine and measure the level of financial performance of PT. Bank Sinarmas Tbk, Sharia Business Unit Year 2014-2016. Sharia business with financial ratios are Liquidity ratio, Solvency ratio, and Profitability.The result of this study shows that Cast Ratio from 2014 until 2016 is 47,57%, 219,70% and 312,21%. From Loan Deposito Ratio (LDR) from 2014 until 2016 are 81,22%, 72,73% and 17,06%. From Capital Adequacy Ratio perspective, in 2014 until 2016 the values are 125,06%, 362,18% and 2.285%, meanwhile from Debt to Equity perspective, in 2014 until 2016 the values are 84,27%, 29,84% and 12,88%. By using BOPO in 2014 until 2016 the values are 65,83%, 109,21% and 155,49%. From Return on Assets perspective, in 2014 until 2016 the values are 1,31%, 0,10% and1,64%. Meanwhile from the Return on Equity in 2014 until 2016 values are 2,41%, 0,26%, and 1,85%.Key Words: Liquidity Financial Report ratio, Solvability, Profitability, Financial Performance.

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%.

Sign in / Sign up

Export Citation Format

Share Document