PENGARUH RASIO CAPITAL ADEQUACY, LOAN TO DEPOSIT, NET INTEREST MARGIN TERHADAP PERTUMBUHANLABA (STUDI KASUS PADA BANK  UMUM KONVENSIONALYANG TERDAFTAR DI BURSA EFEK INDONESIA)

This study is how Influence Ratio Capital Adequacy Ratio, Loan to Deposit Ratio, Net Interest Margin Against Profit Growth at Conventional Commercial Banks Listed on Indonesia Stock Exchange. the purpose of this study is to analyze the Influence of Capital Adequacy Ratio Ratio, Loan to Deposit Ratio, Net Interest Margin on Profit Growth at Conventional Commercial Banks Listed on Indonesia Stock Exchange. The type of research used is associative research. The research population is conventional commercial bank in Indonesia. The research variables are Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), and Profit Growth. The data used is secondary data. Data collection methods are quantitative. Partial test results show that NIM has a significant effect on Profit Growth, While CAR and LDR have no significant effect to Profit Growth.

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PENGARUH CAR, BOPO, NPL, NIM, DAN LDR TERHADAP ROA PADA PERUSAHAAN DI SEKTOR PERBANKAN YANG TERDAFTAR DI BEI PERIODE 2012-2016

10.31219/osf.io/k3w69 ◽

2019 ◽

Author(s):

Redwal Fernando ◽

Aminar Sutra Dewi

Keyword(s):

Regression Analysis ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Commercial Banks ◽

Stock Exchange ◽

Capital Adequacy ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

The Relationship ◽

Interest Margin

This study aims to examine the relationship between Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) for Return On Asstes (ROA). The number of samples used are 9 commercial banks listed on the Indonesia Stock Exchange period 2012-2016. The method used in this study using multiple regression analysis using Eviews 6. From the results of tests performed show that CAR statistically does not significantly influence tehadap ROA, BOPO significantly influence teh ROA, NPL has significant effect to ROA, different from NIM which has no significant effect on ROA, and LDR has significant effec on ROA.

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Pengaruh CAR, BOPO, NPL, NIM, dan LDR terhadap ROA pada Perusahaan di Sektor Perbankan yang Terdaftar di BEI Periode 2012-2016

JURNAL PUNDI ◽

10.31575/jp.v1i3.55 ◽

2018 ◽

Vol 1 (3) ◽

Cited By ~ 1

Author(s):

Aminar Sutra Dewi

Keyword(s):

Regression Analysis ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Commercial Banks ◽

Stock Exchange ◽

Capital Adequacy ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

The Relationship ◽

Interest Margin

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THE EFFECT OF FINANCIAL PERFORMANCE RATIOS ON CONVENTIONAL BANK PROFITABILITY IN INDONESIA STOCK EXCHANGE

Ekuilibrium Jurnal Ilmiah Bidang Ilmu Ekonomi ◽

10.24269/ekuilibrium.v14i2.1568 ◽

2019 ◽

Vol 14 (2) ◽

pp. 84

Author(s):

Ahmad Azmy ◽

Iqbal Febriansyah ◽

Anita Munir

Keyword(s):

Financial Performance ◽

Commercial Banks ◽

Stock Exchange ◽

Secondary Data ◽

Financial Statements ◽

Capital Adequacy ◽

Test Results ◽

Return On Assets ◽

Bank Profitability ◽

Capital Adequacy Ratio

This study aims to analyze the effect of the ratio of financial performance to the profitability of private conventional commercial banks listed on the Indonesia Stock Exchange. Retrieval of data using financial statements from fourteen conventional commercial banks. The independent variables used include Capital Adequacy Ratio (CAR), Operational Income Operating Expenses (BOPO), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR). The profitability variable is proxied by Return on Assets (ROA). This type of research is quantitative that uses secondary data. The analysis was carried out using multiple regression analysis. The results showed that, CAR and NPL had no effect on ROA, while BOPO and LDR had a significant effect on ROA. Then the F Test results show that CAR, NPL, BOPO, and LDR simultaneously influence ROA

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DETERMINAN EFISIENSI PERBANKAN DI INDONESIA (STUDI EMPIRIS PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2012-2018)

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol7iss202012pp2436-2452 ◽

2020 ◽

Vol 7 (12) ◽

pp. 2436

Author(s):

Sri Farhatin Wulandari ◽

Muh. Nafik Hadi Ryandono

Keyword(s):

Commercial Banks ◽

Secondary Data ◽

Sampling Technique ◽

Capital Adequacy ◽

Important Indicator ◽

Purposive Sampling ◽

Net Interest Margin ◽

Panel Data Regression ◽

Capital Adequacy Ratio ◽

Interest Margin

ABSTRAKEfisiensi merupakan salah satu indikator penting dalam mengukur kinerja keseluruhan dari aktivitas perbankan. Penelitian ini bertujuan untuk mengetahui pengaruh variabel Capital Adequacy Ratio (CAR), Financing to Deposito Ratio (FDR), Net Interest Margin (NIM), dan Bank Size terhadap Efisiensi Bank Umum Syariah di Indonesia periode 2012-2018 yang diproksikan melalui Beban Operasional Pendapatan Operasional (BOPO). Metode yang digunakan adalah metode kuantitatif dengan teknik analisis regresi data panel menggunakan alat statistik Eviews 9.0. Data yang digunakan adalah data sekunder dengan teknik pengambilan sampel purposive sampling sehingga menghasilkan sampel sebanyak 11 Bank Umum Syariah di Indonesia. Hasil penelitian ini menunjukkan bahwa secara simultan variabel Capital Adequacy Ratio (CAR), Financing to Deposito Ratio (FDR), Net Interest Margin (NIM), dan Bank Size berpengaruh signifikan terhadap Efisiensi Bank Umum Syariah di Indonesia periode 2012-2018. Selanjutnya, secara parsial Capital Adequacy Ratio (CAR), berpengaruh negative dan signifikan, Financing to Deposito Ratio (FDR) berpengaruh positif dan signifikan, Net Interest Margin (NIM) berpengaruh positif dan tidak signifikan, dan Bank Size berpengaruh negatif dan signifikan terhadap efisiensi perbankan syariah.Kata Kunci: Efisiensi, CAR, FDR, NIM, Bank Size, Bank Syariah. ABSTRACTEfficiency is an important indicator in measuring the overall performance of banking activities. This study aimed to determine the effect of the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Net Interest Margin (NIM), and Bank Size on the Efficiency of Sharia Commercial Banks in Indonesia for the period 2012-2018, proxied through Operational Income Operational Expenses (BOPO). The method used was a quantitative method with panel data regression analysis techniques using statistical tools Eviews 9.0. The data were secondary data with purposive sampling technique to produce a sample of 11 Sharia Commercial Banks in Indonesia. The results of this study showed that simultaneously the variables of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Net Interest Margin (NIM), and Bank Size had a significant effect on the Efficiency of Islamic Commercial Banks in Indonesia for the period 2012-2018. Furthermore, partially Capital Adequacy Ratio (CAR) had a negative and significant effect, Financing to Deposit Ratio (FDR) had a positive and significant effect, Net Interest Margin (NIM) had a positive and insignificant effect, and Bank Size had a negative and significant effect on Sharia banking efficiency.Keywords: Efficiency, CAR, FDR, NIM, Bank Size, Sharia Bank.

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ANALISIS KINERJA KEUANGAN BANK UMUM KONVENSIONAL DENGAN ASET TERENDAH DI INDONESIA PERIODE 2014-2017

Jurnal Ekonomi dan Bisnis ◽

10.24123/jeb.v23i1.2008 ◽

2019 ◽

Vol 23 (1) ◽

pp. 19-28

Author(s):

Jefri Thomi da Costa Boreel ◽

Mintarti Ariani ◽

Bambang Budiarto

Keyword(s):

Regression Analysis ◽

Data Analysis ◽

Commercial Banks ◽

Secondary Data ◽

Capital Adequacy ◽

Return On Assets ◽

Operating Income ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Interest Margin

This research aims to analyze the payback or Return on Assets (ROA) which has very significant effect against the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operatingexpenses against the operating income (BOPO). This research uses population of 13 commercial banks with the lowest accounting assets in Indonesia for 2014-2017 period. In this research, the secondary data is taken in the form of the financialstatements of the bank starting from 2014 until 2017. Technique of data analysis in this study uses regression analysis panel where Return on Asset (ROA) as its dependent variabel and the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against operating income (BOPO) as its independent variabel. The results of this research provide evidence that Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against the operating income (BOPO) partially have significant influence towards Return on Asset (ROA) on 13 commercial banks, while Loan to Deposit Ratio (LDR), and the Capital Adequacy Ratio (CAR) partially do not havesignificant influence towards Return on Asset (ROA).

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Pengaruh Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR), Non Performing Loan (NPL), and Net Interest Margin (NIM) terhadap Perubahan Laba

JUSIE (Jurnal Sosial dan Ilmu Ekonomi) ◽

10.36665/jusie.v1i02.147 ◽

2017 ◽

Vol 1 (02) ◽

pp. 172-183

Author(s):

Rita Dwi Putri

Keyword(s):

Sampling Method ◽

Stock Exchange ◽

Multiple Linear Regression Model ◽

Capital Adequacy ◽

Coefficient Of Determination ◽

Test Results ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Study Population ◽

Interest Margin

The study population was banking company listed on the Stock Exchange Year 2009-2014 as many as 39 companies. Sampling was done by sampling method and aim (purposive sampling) which is a technique of using a particular technique for sampling considerations. Data were analyzed using multiple linear regression model. Partial test results can be concluded that the LDR and NPL has an influence on changes in earnings. It can be seen from the value t count> t table so that the H2 and H3 accepted. CAR not significant effect on changes in earnings, while NIM has no influence on changes in earnings. Can be seen from t <t table then H1 and H4 is rejected. The level of the coefficient of determination which is owned by R2 = 0.233. This means that approximately 23.3% change in bank profits is affected by variable capital adequacy ratio (CAR), the loan to deposit ratio (LDR), non-performing loan (NPL), and the net interest margin (NIM) to changes in income. While about 76.7% influenced by other variables.

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

BIP's JURNAL BISNIS PERSPEKTIF ◽

10.37477/bip.v11i1.15 ◽

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).

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Indikator Risk Based Bank Rating, Kinerja Keuangan dan Perusahaan Perbankan

E-Jurnal Akuntansi ◽

10.24843/eja.2021.v31.i03.p20 ◽

2021 ◽

Vol 31 (3) ◽

pp. 782

Author(s):

Ida Bagus Made Bayu Indrawan ◽

I Wayan Pradnyanta Wirasedana

Keyword(s):

Corporate Governance ◽

Financial Performance ◽

Stock Exchange ◽

Sampling Technique ◽

Capital Adequacy ◽

Good Corporate Governance ◽

Net Interest Margin ◽

Analysis Technique ◽

Capital Adequacy Ratio ◽

Interest Margin

The research aims to prove empirically the influence of Non-Performing Loans, Loans to Deposit Ratio, Good Corporate Governance, Net Interest Margin, and Capital Adequacy Ratio on financial performance of banking companies listed on the IDX. Agency theory and Productive theory of credit are the theories used in this study. The study population is all Banking Companies listed on the Indonesia Stock Exchange (IDX) in 2014-2018 totaling 45 companies. The research sample of 30 companies with non-probability sampling method with purposive sampling technique. The data analysis technique used is multiple linear regression. The research results obtained by Non Performing Loans are considered negative, Loan to Deposit Ratio and Good Corporate Governance are not approved and are significant, Net Interest Margin and Capital Adequacy Ratio have positive and significant effect on financial performance. Keywords: Non Performing Loan; Loan to Deposit Ratio; Good Corporate Governance; Net Interest Margin; Capital Adequacy Ratio; Financial Performance.

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Pengaruh Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return on Assets, Loan To Deposit Ratio, dan Bank Size terhadap Harga Saham Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia

Jurnal Manajemen Bisnis dan Kewirausahaan ◽

10.24912/jmbk.v5i5.13330 ◽

2021 ◽

Vol 5 (5) ◽

pp. 546

Author(s):

Aries Santoso ◽

Carunia Mulya Firdausy

Keyword(s):

Significant Influence ◽

Stock Price ◽

Banking Sector ◽

Stock Exchange ◽

Capital Adequacy ◽

Return On Assets ◽

Purposive Sampling ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Interest Margin

This study aims to analyze the influence of Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return on Assets, Loan to Deposit Ratio, and Bank Size jointly and partially to Stock Price of banking sector company that listed on Indonesian Stock Exchange for period 2011-2018. This research used the purposive sampling method and obtained the 5 largest market capital banking sector companies as a sample. The analysis method used is multiple linear regression through SPSS 26 program. The results of this study show that Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, and Bank Size have significant influence to stock price. While Capital Adequacy Ratio, Non-Performing Loan, Loan to Deposit Ratio partially have significant influence on the stock price. Meanwhile, Net Interest Margin, Return On Asset, and Bank Size have not a significant influence on the stock price of banking sector company that listed on the Indonesian Stock Exchange for period 2011-2018. Penelitian ini dimaksudkan untuk mencari pengaruh Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, dan Bank Size mengenai keterkaitannya pada harga saham baik secara bersamaan maupun parsial terhadap harga saham perusahaan sektor bank yang ada di Bursa Efek Indonesia untuk periode penelitian 2011 – 2018. Penelitian ini mengunakan metode purposive sampling yang ditetapkan sebanyak 5 perusahaan sektor perbankan yang memiliki kapitalisasi pasar terbesar sebagai sampel. Metode analisis yang dipakai menggunakan regresi linear berganda melalui bantuan SPSS 26. Hasil penelitian membuktikan secara simultan, Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, dan Bank Size berpengaruh signifikan terhadap harga saham. Sementara secara parsial, Capital Adequacy Ratio, Non-Performing Loan, dan Loan to Deposit Ratio berpengaruh terhadap harga saham. Sedangkan Net Interest Margin, Return On Asset, dan Bank Size tidak berkaitan terhadap harga saham sektor bank yang terdaftar di Bursa Efek Indonesia periode 2011-2018.

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Analisis Faktor Spesifik Bank Terhadap Non Performing Loan Pada Bank Umum Konvensional Yang Terdaftar Di Bursa Efek Indonesia

Owner ◽

10.33395/owner.v6i1.569 ◽

2022 ◽

Vol 6 (1) ◽

pp. 43-55

Author(s):

Meily Juliani

Keyword(s):

Secondary Data ◽

Capital Adequacy ◽

Annual Reports ◽

Return On Equity ◽

Operating Income ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Specific Factors ◽

Conventional Banks ◽

Interest Margin

The purpose of this research is to analyze the effect of bank specific factors on non-performing loan on public conventional banks. The dependent variable studied was the non-performing loan and independent variables examined were capital adequacy ratio, bank size, loan to deposit ratio, net interest margin, return on equity, operating expenses to operating income, and earning per share. The secondary data obtained from the annual reports submitted in the IDX. Sample consist of 32 public conventional banks listed in IDX in the period of 2012-2017. The result of this study indicate that bank size and net interest margin has a positive and significant impact on non-performing loan. While return on equity showed a negative and significant impact on non-performing loan. The result of this study also showed that capital adequacy ratio, loan to deposit ratio, operating expenses to operating income and earning per share did not have any significant impact on non-performing loan.

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