scholarly journals Kinerja Keuangan Bank Sebelum Dan Selama Pandemi (COVID – 19)

2021 ◽  
Vol 3 (1) ◽  
pp. 257
Author(s):  
Veronica Stephanie Sullivan ◽  
Sawidji Widoatmodjo
Keyword(s):  
Quantitative Method ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Comparative Approach ◽  
Bank Performance ◽  
Return On Equity ◽  
Financial Report ◽  
Capital Adequacy Ratio ◽  
Study Population ◽  
Similarities And Differences

This research aims to analyze the financial performance of banks before and during the pandemic (COVID – 19) and to find out what benchmarks are the worst. This analysis uses the CAMEL method, that use ratio such as CAR (Capital Adequacy Ratio), NPL (Non – Performing Loan), ROE (Return on Equity), BOPO (Biaya Operasional terhadap pendapatan operasional), and LDR (Loan to Deposit Ratio). This research uses quantitative method using a comparative approach, because the data used is in the form of numbers and analyzed using statistic, this study is to compare the similarities and differences of 2 or more properties and objects under study in a certain frame of mind. This study uses data from the Financial Report Publication for Quarter II 2019 – III 2020. The study population was taken from banks that have gone public on the IDX (Indonesia Stock Exchange), with a total of 43 banks. The statistical method used is descriptive statistical and paired sample t-test. The result of research from 43 banks show that there are significant differences in CAR, NPL, BOPO on bank performance before and during the pandemic, while ROE and LDR have insignificant differences on bank performance before and during the pandemic. Penelitian ini bertujuan untuk menganalisis kinerja keuangan bank sebelum dan selama pandemi (COVID – 19) dan mengetahui tolok ukur apa yang paling buruk. Analisis ini menggunakan metode CAMEL, rasio yang digunakan adalah CAR (Capital Adequacy Ratio), NPL (Non – Performing Loan), ROE (Return on Equity), BOPO (Badan Operasional terhadap Pendapatan Operasional), dan LDR (Loan to Deposit Ratio). Penelitian ini menggunakan metode kuantitatif dengan menggunakan pendekatan komparatif, karena data yang digunakan berupa angka – angka dan menganalisis menggunakan statistika serta penelitian ini bersifat membandingkan persamaan dan perbedaan 2 atau lebih sifat dan objek yang diteliti pada kerangka pemikiran tertentu. Penelitian ini menggunakan data Laporan Keuangan Publikasi Triwulan II 2019 – III 2020. Populasi penelitian diambil dari perbankan yang sudah go public di BEI (Bursa Efek Indonesia), dengan total 43 perbankan. Metode statistik yang digunakan adalah uji statistika deskriptif dan uji t dua sampel dependen. Hasil penelitian dari 43 perbankan menunjukkan bahwa CAR, NPL, BOPO terdapat perbedaan yang signifikan terhadap kinerja bank sebelum dan selama pandemi, sementara ROE dan LDR terdapat perbedaan yang tidak signifikan.terhadap kinerja bank sebelum dan selama pandemi.

scholarly journals FAKTOR- FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERBANKAN (Studi Kasus pada Bank Umum yang Terdaftar di Bursa Efek Indonesia Periode 2015 –2017)

2020 ◽  
Vol 4 (2) ◽  
pp. 223
Author(s):  
Nyimas Vila Dewi
Keyword(s):  
Stock Exchange ◽  
Capital Adequacy ◽  
Endogenous Variable ◽  
Bank Profitability ◽  
Return On Equity ◽  
Financial Report ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Observation Period ◽  
Interest Margin

 Penelitian ini bertujuan untuk mengetahui faktor- faktor yang mempengaruhi profitabilitas dengan CAR, NIM, LDR dan BOPO sebagai variabel endogen, ROE sebagai variabel eksogen dan NPL sebagai variabel intervening. Alat analisis pada penelitjian ini adalah software AMOS 24. Sampel dari penelitian ini adalah bank umum yang terdaftar di  Bursa Efek Indonesia dan mempublikasikan laporan keuangannya periode 2015- 2017.34 bank umum yang menjadi populasi penelitian ini, hasil penelitian menunjukkan bahwa CAR, BOPO berpengaruh signifikan terhadap ROE dan NIM, LDR tidak berpengaruh signifikan terhadap ROE. CAR, LDR BOPO berpengaruh signifikan terhadap ROE dengan NPL sebagai variabel intervening dan NIM tidak berpengaruh signifikan terhadap ROE dengan NPL sebagai variabel intervening. Semakin tinggi nilai CAR dan NIM maka akan semakin tinggi nilai profitabilitas (ROE)  dan sebaliknya semakin rendah nilai LDR dan BOPO maka semakin rendah profitabilitas (ROE).Kata kunci: CAR (Capital Adequacy Ratio), NPL (Non Performing Loan), NIM (Net Interest Margin), LDR (Loan to Deposit Ratio) BOPO (Beban Operasional terhadap Pendapatan Operasional)  dan  ROE (Return On Equity).The purpose of this research is to examine the factors take effect on Bank Profitability by CAR, NIM, LDR and BOPO as endogenous variable, ROE as exogenous variable and NPL as intervening variable. The analytical of this resereach is software AMOS 24. The samples are public bank at The Indonesian Stock Exchange that have complete financial report and have been published in 2015-2017. Public bank at The Indonesian Stock Exchange that is still exist during observation period in 2015-2017. Population that is used in this research is 34 banks in  Indonesian Stock Exchange in 2015-2017. The result of research showed that endogenous  variable CAR and BOPO has  significant  effect partially on ROE, NIM and LDR has  not significant  effect partially on ROE. CAR, NIM and BOPO has  significant  effect partially on ROE with NPL as intervening variable and LDR has  not significant  effect partially on ROE with NPL as intervening variable. The firm that has higher score of CAR and NIM will gain higher profitability (ROE) whereas if it has higher score of  LDR and BOPO, the profitability (ROE)  will be lower.Key words: CAR (Capital Adequacy Ratio), NPL (Non Performing Loan), NIM (Net Interest Margin), LDR (Loan to Deposit Ratio) BOPO and ROE (Return On Equity). 

scholarly journals PENGARUH CAPITAL ADEQUACY DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSET: STUDI PADA BANK BPR DI INDONESIA

2019 ◽  
Vol 5 (3) ◽  
Author(s):  
Sri Suriyani ◽  
Grahita Chandrarin ◽  
Junianto Tjahyo Darsono
Keyword(s):  
Data Collection ◽  
Quantitative Method ◽  
Performance Indicator ◽  
Capital Adequacy ◽  
Bank Performance ◽  
Capital Adequacy Ratio ◽  
Data Collection Technique

Profitability is bank performance indicator that effort in certain time. Profitability is known by Return On Asset (ROA). Return On Asset (ROA) is influenced by   Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR). To improve  the influence Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) need the research. This research uses quantitative method. The population is all the BPR in  Indonesia. The population are consist of 100 BPR. Technique of sampling is used census. This research sample is 100 BPR. The data collection technique is questioner. Data is analyzed by linear regression.The results of this research shows that Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) have influence significantly to the Return On Asset (ROA). Capital Adequacy Ratio (CAR) has not influence significantly to the Return On Asset (ROA). Loan to Deposit Ratio (LDR) have influence significantly to the Return On Asset (ROA).Loan to Deposit Ratio (LDR) is more dominant variable than Capital Adequacy Ratio (CAR) influences Return On Asset (ROA). So may the bank need to improve the Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) because these variables have influence significantly to Return On Asset (ROA).

scholarly journals Peranan Intellectual Capital Pada Intermediary Function Terhadap Return On Equity Perusahaan Perbankan

2019 ◽  
Vol 11 (1) ◽  
pp. 59-72
Author(s):  
Anita Permatasari
Keyword(s):  
Intellectual Capital ◽  
Sampling Method ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Test Results ◽  
Return On Equity ◽  
Operating Income ◽  
Capital Adequacy Ratio

This study aims to examine the role of Intellectual Capital in banking companies listed on the Indonesia Stock Exchange. The research data used are secondary data in the form of financial data and financial ratios of banks listed on the  Indonesia Stock Exchange from 2010 to 2016 using the purposive sampling method. Based on sampling criteria, 23 banks were selected and divided into two categories: banks with low Intellectual Capital and banks with high Intellectual Capital. The results showed that there were three findings, namely the first test results on banks with low Intellectual Capital and high Intellectual Capital showed that Non Performing Loans (NPL), Operational Costs Per Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR) does not affect Return on Equity (ROE). Second, the results of testing on banks with low Intellectual Capital and high Intellectual Capital indicate that Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR) have no effect on Return on Equity (ROE). Third, the results of testing on banks with high Intellectual Capital indicate that Operational Cost Per Operational Income (BOPO) has an effect on Return on Equity (ROE).

scholarly journals MODAL, TINGKAT LIKUIDITAS BANK, NPL DAN PERTUMBUHAN KREDIT PERBANKAN INDONESIA

2019 ◽  
pp. 96
Author(s):  
Rahmat Setiawan ◽  
Ahmad Aziz Putra Pratama
Keyword(s):  
Firm Size ◽  
Stock Exchange ◽  
Multiple Linear Regression Model ◽  
Capital Adequacy ◽  
Bank Capital ◽  
Financial Report ◽  
Moderating Variables ◽  
Credit Quality ◽  
Capital Adequacy Ratio ◽  
Positive Effect

The purpose of this research is to examine the effect of bank capital on lending growth with moderation of liquidity level and credit quality of banking companies listed in Indonesia Stock Exchange (IDX). This study used multiple linear regression model and Moderated Regression Analysis (MRA). Data obtained from the company’s financial report published in 2010-2016 period. Dependent variable in this research is lending growth proxied with Net Loans Growth. Independent variable used bank capital proxied with Capital Adequacy Ratio (CAR). Moderating variables in this research used liquidity level proxied with liquidity ratio and credit quality proxied with non performing loan (NPL). In addition, controlling variable in this study is firm size proxied with logarithm of total assets. The results showed that bank capital has significant positive effect on lending growth, while the liquidity ratio strengthens positive effect of bank capital on lending growth and non performing loan mitigates positive effect of bank capital on lending growth.Keywords:capital adequacy ratio, firm size, liquidity ratio, net loans growth, non performing loan.

scholarly journals Impact of Credit Risk on the Profitability of Selected Commercial Banks Listed on the National Stock Exchange

2021 ◽  
Vol 1 (3) ◽  
pp. 1-15
Author(s):  
Sitaram Pandey ◽  
Amitava Samanta
Keyword(s):  
Credit Risk ◽  
Significant Relationship ◽  
Commercial Banks ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Series Data ◽  
Return On Assets ◽  
Return On Equity ◽  
Capital Adequacy Ratio ◽  
Indian Banks

This research is focusing on evaluation of the impact of credit risk on the profitability of selected commercial banks listed on National Stock Exchange. The financial ratios are taken as a proxy to evaluate credit risk and bank’s profitability. Profitability was measured through Return on Equity and Return on Assets whereas credit risk was measured by Pre-Provision Profit to Total Loans and Advances, Loan to Asset Ratio, Capital Adequacy Ratio, Credit to Deposit Ratio and Advances over Loan Funds. Based on the financial information of 2009 to 2017, the study concludes that Credit risk, as calculated from Pre-Provision Profit to Total Loans and Advances, Loan to Asset Ratio, Capital Adequacy Ratio, Credit to Deposit Ratio and Advances over Loan Funds have a non-significant relationship with profitability measured by Return on Assets whereas there is significant relationship exist only between Advances over Loan Funds and profitability measured by Return on Equity. The regression model of ROE shows the model is significant as compared to ROA model. The present study employed Auto Correlation and Durbin-Watson statistics, Unit root test & Multi-Collinearity tests to measure the robustness of time series data. Also the results of the regression analysis show that there exist a negative correlation between credit upon deposit ratio and return on equity. As per the current study, the Indian banks has to keep check on advances upon total funds ratio, as it was found most significant factor impacting the profitability of Indian banks.

scholarly journals Pengaruh Net Interest Margin, Return On Equity, Return On Asset, Capital Adequacy Ratio terhadap Price Book Value Pada Bank Umum di Indonesia

2021 ◽  
Vol 6 (1) ◽  
Author(s):  
Yusuf Iskandar
Keyword(s):  
Stock Exchange ◽  
Analysis Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Return On Equity ◽  
Book Value ◽  
Service Companies ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Economic development in Indonesia can have an influence on companies, especially service companies such as banks. Seeing the development of service companies such as banks that continue to fluctuate, this can have an impact on the performance of banking companies on the price book value, therefore a study aimed at examining the effect of net interest margin, return on equity, return on assets and capital adequacy ratio can be carried out against the price book value at commercial banks in Indonesia. The analytical tool in this study using multiple regression analysis. Data analysis was carried out on banking companies listed on the Indonesian stock exchange in 2016 - 2018. As many as 15 banks that met the criteria as the study population, all members of the population were used as the research sample. The results of this study indicate that the net interest margin has a significant effect on the price book value, the return on equity has a significant effect on the price book value, the return on assets has a significant effect on the price book value and the capital adequacy ratio has a significant effect on the price book value.

scholarly journals PENGARUH KINERJA KEUANGAN TERHADAP HARGA SAHAM 10 BANK TERKEMUKA DI INDONESIA

2017 ◽  
Vol 19 (2) ◽  
pp. 179
Author(s):  
Indra Satria ◽  
Iha Haryani Hatta
Keyword(s):  
Central Asia ◽  
Stock Price ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Return On Equity ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio ◽  
The Impact

Penelitian ini bertujuan untuk mengetahui dampak rasio keuangan terhadap harga saham sepuluh bank terkemuka di Indonesia. Penelitian ini menggunakan metode purposive sampling untuk sepuluh bank yang go public di Bursa Efek Indonesia periode 2013-2014 dengan kriteria berikut : (1) memiliki aset dengan jumlah terbesar pada tahun 2013-2014 (2) memiliki informasi rasio keuangan pada tahun 2013-2014 (3) tidak terjadi pemecahan saham pada tahun 2013-2014 (4) hasil pengolahan data statistiknya memenuhi uji asumsi klasik. Berdasarkan kriteria itu, maka jumlah bank yang terpilih adalah Bank Central Asia Tbk, Bank Negara Indonesia (Persero) Tbk, Bank Mandiri (Persero) Tbk, Bank Danamon Indonesia Tbk, Bank Rakyat Indonesia (Persero) Tbk, Bank Permata Tbk, Bank Pan Indonesia Tbk, Bank CIMB Niaga Tbk, Bank Tabungan Negara (Persero) Tbk dan Bank International Indonesia Tbk. Variabel tidak bebas dalam penelitian ini adalah harga saham, sementara variabel terikat adalah Loan to Deposit Ratio (LDR), Non Performing Loans (NPL), Capital Adequacy Ratio (CAR) and Return on Equity (ROE). Data dianalisis dengan menggunakan analisa regresi linier berganda. Hasil penelitian menunjukkan bahwa variabel bebas (LDR, NPL, CAR, and ROE) secara simultan berpengaruh signifikan terhadap harga saham. Secara parsial, LDR, CAR dan ROE berpengaruh signifikan terhadap harga saham. Sementara, NPL tidak berpengaruh terhadap harga saham.This research is to determine the impact of financial ratios on the stock price of ten leading banks in Indonesia. This research using a purposive sampling method for the ten banks that listed on the Indonesian Stock Exchange in the years 2013-2014 with the following criteria : (1) has assets with the largest number in the years 2013-2014 (2) has information about financial ratios in the years 2013-2014 (3) a stock split does not occur in the years 2013-2014 (4) the results of the processing of statistical data meets classical assumption. Based on the criteria, the then banks selected are Bank Central Asia Tbk, Bank Negara Indonesia (Persero) Tbk, Bank Mandiri (Persero) Tbk, Bank Danamon Indonesia Tbk, Bank Rakyat Indonesia (Persero) Tbk, Bank Permata Tbk, Bank Pan Indonesia Tbk, Bank CIMB Niaga Tbk, Bank Negara Indonesia (Persero) Tbk and Bank International Indonesia Tbk. The dependent variable in this research is the stock price, while the dependent variable are Loan to Deposit Ratio (LDR), Non Performing Loans (NPL), Capital Adequacy Ratio (CAR) and Return on Equity (ROE). Data were analyzed using multiple linear regression analysis. The results showed that the independent variables (LDR, NPL, CAR, and ROE) simultaneously significant effect on the stock price. Partially, LDR, CAR and ROE have a significant effect on the stock price. Meanwhile, NPL has no effect on the stock price.

scholarly journals Factor Affecting the Capital Adequacy Ratio of Banks Listed in Indonesia Stock Exchange

2021 ◽  
Vol 26 (1) ◽  
pp. 153
Author(s):  
Abdurrahman Setiawan, Susy Muchtar
Keyword(s):  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Bank Loan ◽  
Bank Capital ◽  
Loan Loss ◽  
Return On Equity ◽  
Loss Reserve ◽  
Capital Adequacy Ratio ◽  
Negative Effect

The purpose of this study is to conclude the factors that affect bank capital adequacy ratios. The sample used is 42 banks listed on the Indonesia Stock Exchange in 2015-2019. The analysis method used was panel data regression and using purposive sampling for the sampling technique. The independent variables in this study are loan loss reserves, return on equity, bank size liquidity ratio and loan ratio, and capital adequacy ratio is the dependent variable. The results show that bank size and the return on equity have a positive effect on capital adequacy ratio, while loan ratio has a negative effect on capital adequacy ratio. The liquidity ratio and loan loss reserve have no effect on the capital adequacy ratio. It is expected that the results of this study will provide a reference for companies to understand the factors that affect capital adequacy. Managerial implications: Banking companies are expected to increase the total number of assets held, increase return on equity and reduce bank loan ratios to avoid the risk of bad credit.

scholarly journals The Analysis of The Effect of NPL on ROA in The Banking Companies Listed on The Indonesia Stock Exchange

2018 ◽  
Vol 1 (1) ◽  
pp. 43
Author(s):  
Yunus T Konde ◽  
Bramantika Oktavianti ◽  
Lailatul Hijrah
Keyword(s):  
Regression Model ◽  
Multiple Regression ◽  
Stock Exchange ◽  
Balance Sheet ◽  
Multiple Regression Model ◽  
T Test ◽  
Capital Adequacy ◽  
Return On Equity ◽  
Capital Adequacy Ratio

This research aims to analyze the effects of Return on Equity (ROE), Capital Adequacy Ratio (CAR), and Non Performing Loan (NPL) on Return on Asset (ROA) of the banking companies listed on the Indonesia Stock Exchange by using multiple regression model. This study used Balance Sheet and Ratio Report in the period of 2009. Result of first hypothesis indicates that ROE affects ROA with the t-test value 5.711 and a 0,000. Result of second hypothesis indicates that CAR has no effect on ROA with the t-test value 0.975 and a 0.338. Results of third hypothesis indicates that NPL has no effect on ROA with the t-test value -1.642 and a 0,111. Result of the R test is 0.795 and the R square is 0.632.

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