scholarly journals Pengaruh Rasio Keuangan Terhadap Pertumbuhan Laba Pada BPR di Jawa Tengah

2018 ◽  
Vol 10 (2) ◽  
pp. 290-306
Author(s):  
Yana Mulyana
Keyword(s):  
Quantitative Research ◽  
Capital Adequacy ◽  
Operating Costs ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Operating Income ◽  
Simultaneous Test ◽  
Central Java ◽  
Capital Adequacy Ratio ◽  
Profit Growth

People's Credit Banks, commonly abbreviated as BPRs, are one type of bank known to serve micro, small and medium entrepreneurs with locations that are generally close to where people need them. Every company, both banks and non-banks at a time (a certain period) will report all of their financial activities. From this report, it will be read how the real condition of BPR, including weaknesses and strengths possessed. This research is quantitative research. The object of this research is all Rural Credit Banks in Central Java. Data collection techniques use documentation techniques. Hypothesis testing uses classical assumption test analysis, multiple regression analysis, simultaneous test, partial test and coefficient of determination. From the results of the study it can be concluded that 1) the ratio of non-performing loans has no significant effect on BPR profit growth in Central Java, 2) the loan to deposit ratio has a significant effect on BPR profit growth in Central Java, 3) the capital adequacy ratio has a significant effect on growth BPR profits in Central Java, 4) return on assets ratio has no significant effect on BPR profit growth in Central Java, 5) ratio of operating costs to operating income has a significant effect on BPR profit growth in Central Java, and 6) ratio of non-performing loans, loans to deposit ratio, capital adequacy ratio, return on assets and operating costs to operating income simultaneously have a significant effect on BPR profit growth in Central Java

scholarly journals Pengaruh CAR, FDR, Dan BOPO Terhadap ROA Pada Bank Syariah Di Indonesia

2021 ◽  
Vol 9 (2) ◽  
Author(s):  
Intan Rika Yuliana ◽  
Sinta Listari
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Predictive Ability ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio

Banking companies, including Islamic banking, need to avoid problems that can cause financial failure, which can make the bank unable to carry out its business operations and may end up in bankruptcy, so that the level of soundness of the bank based on risk must always be monitored. Therefore, banks must maintain their financial ratios in accordance with Bank Indonesia decisions and maintain their performance. So analyzing the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and the Ratio of Operating Costs to Operating Income (BOPO) on Return On Assets (ROA) in Islamic Banks is considered very important.   This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs on Operating Income (BOPO) on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia. This research includes quantitative research and the type of data used is secondary data. The data used in this study is the ratio of CAR, FDR, BOPO, and ROA for the period 2014–2019 which was obtained from the annual Financial Statements on the official website of each bank.   The population in this study were 14 Islamic Commercial Banks in Indonesia. After passing the purposive sampling stage, there were 6 samples of Sharia Commercial Banks that were suitable for use, namely BCA Syariah, BNI Syariah, Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah and BRI Syariah. The analytical method used in this research is Multiple Linear Regression Analysis.   The results of the partial study with the t-test showed that the CAR and FDR variables had a positive and significant effect on the ROA of Islamic commercial banks. While the BOPO variable has a negative and significant effect on the ROA of Islamic commercial banks. And the results of the f test show that the CAR, FDR, and BOPO variables together have a significant influence on the ROA of Islamic commercial banks. The predictive ability of these three variables on ROA is 82.7%, the remaining 17.3% is explained by other variables outside of this research.   Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses per Operating Income (BOPO), Return On Assets (ROA)

scholarly journals DAMPAK FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PROFITABILITAS PERBANKAN (Studi pada Bank Konvensional di Indonesia Periode Januari 2012 - Januari 2019)

2019 ◽  
Vol 11 (03) ◽  
pp. 121-137
Author(s):  
Silvia Hendrayanti ◽  
Wachidah Fauziyanti ◽  
Eni Puji Estuti
Keyword(s):  
Firm Size ◽  
Capital Adequacy ◽  
Operating Costs ◽  
Return On Assets ◽  
Operating Income ◽  
The Public ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Conventional Banks ◽  
Interest Margin

The bank is one of the financial institutions which has the activity of collecting funds from the public in the form of deposits and channeling them to the public in the form of credit or other forms in order to improve the lives of many people. The purpose of the banking business is to make a profit. Banking profitability is one of the most important indicators in determining the success of a bank and can be used as a basis for banking policies and strategies in the coming period. The purpose of this study was to examine the effect of Operating Costs on Operating Income (BOPO), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Firm size, and inflation on Return on Assets (ROA). The population in this study is the Conventional Banks in Indonesia in the period January 2012-January 2019. The sample selection using the purposive sampling method with the criteria for the monthly financial statements of all conventional banks in Indonesia during the observation period January 2012-January 2019 has been published by Bank Indonesia. The number of samples used in this study were 85 samples. In this study the research methods used descriptive analysis, Classical Assumptions (Normality, nonautocorrelation, Multicollinearity, Heteroscedasticity), multiple regression model analysis, hypothesis testing (z-statistic test, F-statistic test, and coefficient of determination (R2) test). The results of this study found that Operating Costs to Operating Income (BOPO) had a negative and significant effect on Return On Assets (ROA), Capital Adequacy Ratio (CAR) and Net Interest Margin (NIM) had a negative and significant effect on Return on Assets (ROA) ), Loan to Deposit Ratio (LDR) has a positive but not significant effect on Return On Assets (ROA), Firm size and inflation have a negative and significant regression coefficient on Return On Assets (ROA).

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

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.  

scholarly journals RASIO-RASIO KEUANGAN YANG BERPENGARUH TERHADAP NON PERFORMING LOAN (NPL) (Studi Bank Umum Konvensional Periode 2016-2018 di BEI)

2021 ◽  
Vol 9 (1) ◽  
pp. 30-37
Author(s):  
Shandy Marsono ◽  
Irwan Christanto Edy
Keyword(s):  
Stock Exchange ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Operating Income ◽  
Insignificant Effect ◽  
Operational Costs ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to determine financial ratios which include Return On Assets (ROA), Loan To Deposit Ratio (LDR), Operational Costs per Operating Income (BOPO), Net Interest Margin (NIM) and Capital Adequacy Ratio (CAR) against Non Performing Loans (NPL) at Conventional Commercial Banks that are Go Public which are listed on the Indonesia Stock Exchange in 2016-2018. This research is a quantitative descriptive study. The type of data used is secondary data obtained from www.bi.go.id and www.Idx.co.id. in the form of bank annual financial statements used as a sample with a time period of 3 years. While the sample of this study used purposive sampling method with certain criteria in order to obtain a sample of 14 banks. Based on the analysis method used, namely multiple linear regression which has passed the classical assumption test and hypothesis testing, the result is that partially Return on Assets (ROA) has a negative effect. significant, Loan To Deposit Ratio (LDR), Operational Costs per Operating Income (BOPO), and Capital Adequacy Ratio (CAR) have a negative and insignificant effect and Net Interest Margin (NIM) has a positive and insignificant effect on Non-Performing Loans (NPL). From the results of the analysis, the coefficient of determination is 0.240 or 24%. This means that the variables ROA, LDR, OEOI, NIM and CAR affect the NPL variable by 24%, while the rest is influenced by other variables outside of this study

Determinan Return On Asset Bank BRI Syariah Periode 2015-2019

2020 ◽  
Vol 4 (1) ◽  
pp. 45-55
Author(s):  
Ilani Pujiyanti ◽  
Faisal Rakhman
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Negative Side ◽  
Capital Adequacy Ratio ◽  
Multiple Regression Coefficient ◽  
Negative Effect

The level of BRISyariah Capital Adequacy Ratio (CAR) for the period 2015-2019 is already in the very healthy category (above 12%), while the level of Financing to Deposit Ratio (FDR) is still in a fairly healthy category (around 85%), the ratio of Operating Costs to Operating Income ( BOPO) is in the unhealthy category (above 95%), as well as the level of Return On Assets (ROA), especially during 2019, is in the unhealthy category (below 0.5%). This study analyzes the influence of CAR, FDR, BOPO on ROA in BRISyariah. This research is a quantitative type with an associative approach. With secondary data in the form of published quarterly financial reports of BRISyariah for the period 2015-2019. Tests conducted to determine the relationship and influence between variables partially and simultaneously, multiple regression, coefficient of determination, t test and F test. The results of this study indicate that (1) there is a negative effect of CAR on ROA where the value of tcount>ttable (2.352>2.120) is on the negative side with R2 of 23.5%, (2) there is no effect of FDR on ROA where the tcount value is<ttable (-0,127<2,120) with R2 of 0.1%, (3) there is a negative effect of BOPO on ROA where the tcount>ttable (11,823>2,120) with the tcount on the negative side, while the R2 value is 88.8 %. (4) simultaneously there is a significant effect of CAR, FDR and BOPO on ROA with the results of Fcount>Ftable (331,743> 3,24) with a R2 value of 98.4%. The concluded that the risk of own capital (CAR) in high number and the more inefficient bank operations (BOPO), make ability the bank's is low to increase profits.

scholarly journals Pengaruh CAR, ROA, FDR, dan BOPO terhadap Non Performing Financing pada Bank Muamalat Indonesia

2021 ◽  
Vol 1 (3) ◽  
pp. 544-554
Author(s):  
Dea Apriyani ◽  
Ine Mayasari ◽  
Mochamad Edman Syarief
Keyword(s):  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Corporate Financing ◽  
Processing Application ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Net Profit

Muamalat Bank have decline in financial performance. Muamalat Bank lacks capital because it provides too much corporate financing which has an impact on increasing non-performing financing. Besides that, the net profit of Muamalat Bank in 2019 decreasec significantly, namely by 92% and its operating costs rached Rp490 billion. This research was conducted to know the effect of the variable Capital Adequacy Ratio (CAR), Return On Assets (ROA), Financing to Deposit Ratio (FDR), and Operating Expenses per Operating Income (BOPO) on Non-Performing Financing (NPF) at Bank Muamalat. Indonesia. The sample used is the quarterly report published on the official website of Bank Muamalat. The research method used is quantitative research with multiple linear regression analysis and is supported by the Eviews software version 10 as a data processing application. The results of this study indicate that CAR and ROA have a negative and significant effect on the NPF of Bank Muamalat. Meanwhile, FDR and BOPO have a positive and significant effect on NPF.

Analisis Pengaruh Kecukupan Modal, Efisiensi Operasional Dan Likuiditas Terhadap Profitabilitas Bank BUMN Di Bursa Efek Indonesia Periode 2009-2013

2017 ◽  
Vol 24 (1) ◽  
pp. 11-24
Author(s):  
Ayik Muh Al Hasny ◽  
Christin Berlinhan Oey
Keyword(s):  
Data Analysis ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Analysis Method ◽  
Efficiency Ratio ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Strong Relation

This study aims to examine the effect of the variables of Capital Adequacy Ratio (CAR), operational efficiency (ratio of operating expenses to operating income / BOPO) and liquidity (loan to deposit ratio / LDR) to profitability (return on assets / ROA)of state-owned bank in the Indonesia Stock Exchange in the period of 2009 -2013. There are four (4) samples in this research, which are: PT Bank Mandiri Tbk., PT Bank Rakyat Indonesia Tbk., PT Bank Negara Indonesia Tbk, and PT Bank BTN Tbk. Data analysis method used is multiple linear regression, after going through the classical assumption test to make sure there are no violations on multicolinearity, autocorrelation and heteroscedasticity. Based on the analysis, it is concluded that the variables CAR, BOPO and LDR, partially or simultaneously, significantly influences ROA of the state-owned bank in BEI. Of the three variables, it is proven that BOPO is the most dominant aspect that influences ROA. The coefficient of determination (R2) is of 0.795, means that the three variables have contributed to changes in the value of ROA of 79.5% and the contribution of other variables that are not observed in this study is 20.5%. While the value stimulant correlation coefficient (R) is 0.891 indicates that these three variables have a strong relation to the ROA of state-owned bank in BEI 2009-2013.

PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP KINERJA BANK SYARIAH

2019 ◽  
Vol 5 (2) ◽  
pp. 203-215
Author(s):  
Uum Helmina Chaerunisak ◽  
Dewi Kusuma Wardani ◽  
Zara Tri Prihatiningrum
Keyword(s):  
Capital Adequacy ◽  
Operating Costs ◽  
Cross Section Data ◽  
Return On Assets ◽  
Operating Income ◽  
Section Data ◽  
Normality Test ◽  
Operational Costs ◽  
Capital Adequacy Ratio ◽  
Collection Methods

This study aims to determine the effect of capital adequacy ratio,  financing to deposite ratio and operating costs of operating income on  healthy returns on. This study uses data which is a time series cross  section data from sharia banking statistics from 2015-2018 and 2019 (only  January to August because the most recent data) is registered with Otoritas Jasa Keuangan  (OJK). Data collection methods in this study used purposive sampling. Analysis of the data used is multiple linear regression. The classic assumption tests used in this study are the normality test, the  multicollinearity test, the heteroscedasticity test,  and the autocorrelation test. The results of this study indicate that the capital adequacy ratio does not affect the return on assets,  operational costs of operating income negatively affect the return on assets

scholarly journals Determinan Nilai Perusahaan dengan Kepemilikan Institusional Sebagai Variabel Moderating

2021 ◽  
Vol 22 (1) ◽  
pp. 103-110
Author(s):  
Baihaqi Ammy ◽  
◽  
Puja Rizqy Ramadhan ◽  
Keyword(s):  
Banking Sector ◽  
Stock Exchange ◽  
Institutional Ownership ◽  
Capital Adequacy ◽  
Operating Costs ◽  
Primary Data ◽  
Return On Assets ◽  
Operating Income ◽  
Insignificant Effect ◽  
Capital Adequacy Ratio

This research aims in general to produce a determinant model of corporate value with institutional ownership as a moderating variable in banking companies listed on the Indonesia Stock Exchange. The sample in this study is all public banking sector companies listed on the Indonesia Stock Exchange (IDX) which number 43 companies The type of data used in this study is using primary data. The results showed that variable returns on assets had a positive but insignificant effect on the company's value variables. Non-performing loan variables negatively and significantly affect the company's value variables. Variable capital adequacy ratio has a positive and significant effect on the variable value of the company. Variable loan to deposit ratio negatively and insignificant to the variable value of the company. Variable operating costs to operating income have a positive but insignificant effect on the company's value variables. Institutional ownership variables are unable to moderate the effect of variable return on assets, non performing loans, capital adequacy ratios, loan to deposit ratios and operating costs on operating income against the company's value.

scholarly journals Analisis Laporan Keuangan Dalam Menilai Kesehatan Kinerja Keuangan Perusahaan Pada Pt. Bank Perkreditan Rakyat (BPR) Jateng Tahun 2013-2017

2018 ◽  
Vol 13 (1) ◽  
Author(s):  
Haninditya Nurullasari ◽  
Nanang Yusroni ◽  
Ernawati Budi Astuti
Keyword(s):  
Data Analysis ◽  
Descriptive Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Quantitative Descriptive Analysis ◽  
Operating Income ◽  
Central Java ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Quantitative Descriptive

Abstract This study aims to determine the level of soundness of the company's financial performance from PT. BPR in 2013-2017 using ratio analysis of capital, profitability and liquidity factors. The data analysis technique used is a quantitative descriptive analysis technique. Based on the results of data analysis and discussion shows that the financial health performance of PT. Central Java Rural Banks (BPR) in 2013-2017 viewed from the capital factor if calculated using the CAR ratio can be categorized as HEALTHY. When viewed from the profitability factor and calculated using the ROA ratio it is also categorized HEALTHY, but when seen the BOPO ratio of PT. Central Java Rural Bank in 2015-2017 is categorized as NOT HEALTHY because the resulting ratio is too high so it is inefficient. While the health level is seen from the liquidity factor of PT. Central Java Rural Bank is categorized as HEALTHY. Keywords: Soundness, Capital Adequacy Ratio (CAR), Return On Assets (ROA), Operating Expenses Against Operating Income (BOPO), Cash Ratio, Loan to Deposit Ratio (LDR) Abstrak Penelitian ini bertujuan untuk mengetahui tingkat kesehatan kinerja keuangan perusahaan dari PT. BPR Jateng Tahun 2013-2017 dengan menggunakan analisis rasio dari faktor permodalan, rentabilitas dan likuiditas. Teknik analisis data yang digunakan adalah teknik analisis deskriptif kuantitatif. Berdasarkan hasil analisis data dan pembahasan menunjukkan bahwa kesehatan kinerja keuangan PT. Bank Perkreditan Rakyat (BPR) Jateng pada tahun 2013-2017 dilihat dari faktor permodalan apabila dihitung dengan menggunakan rasio CAR dapat dikategorikan SEHAT. Jika dilihat dari faktor rentabilitas dan dihitung dengan menggunakan rasio ROA juga dikategorikan SEHAT, namun apabila dilihat rasio BOPO PT. Bank Perkreditan Rakyat Jateng tahun 2015-2017 dikategorikan TIDAK SEHAT karena rasio yang dihasilkan terlalu tinggi sehingga tidak efisien. Sedangkan tingkat kesehatan dilihat dari faktor likuiditas PT. Bank Perkreditan Rakyat Jateng dikategorikan SEHAT. Kata Kunci : Tingkat Kesehatan, Capital Adequacy Ratio (CAR), Return On Assets (ROA), Beban Operasional Terhadap Pendapatan Operasional (BOPO), Cash Ratio, Loan to Deposit Ratio (LDR)

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