scholarly journals Analysis of Influence of Intellectual Capital and Capital Adequacy Ratio on Bank Performance in Indonesia

2020 ◽  
Author(s):  
Sri Indrastuti ◽  
Hamdi Agustin ◽  
Amries Rusli Tanjung
Keyword(s):  
Intellectual Capital ◽  
Capital Adequacy ◽  
Bank Performance ◽  
Capital Adequacy Ratio

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 Analysis of Credit Risk, Intellectual Capital and Financial Performance of Listed Deposit Money Banks in Nigeria

2021 ◽  
Vol 06 (12) ◽  
Author(s):  
Rislanudeen Muhammad ◽  
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Financial Performance ◽  
Intellectual Capital ◽  
Capital Adequacy ◽  
National Bureau ◽  
Credit Risk Management ◽  
Loan Loss ◽  
Management Culture ◽  
Capital Adequacy Ratio

This paper examined the effects of credit risk, intellectual capital as well as credit risk moderated by intellectual capital on financial performance of fifteen listed deposit money banks in Nigeria (DMBs) from 2007 to 2016. Data were sourced from annual reports of banks and Nigerian National Bureau of Statistics and analysed using Generalised Method of Moments (GMM). The study finds that credit risk index by loan loss ratio negatively affects financial performance of the sampled banks; while capital employed efficiency, loan loss provision moderated by intellectual capital, capital adequacy ratio, income and diversification have positive relationship with banks’ financial performance. Thus, the study recommends that banks should strengthen their credit risk management culture to ensure prompt repayment of loans. The banks should operate within the required capital adequacy ratio to serve as buffer against loan loss provisions provided by the Central Bank of Nigeria. A strong credit risk management culture should be embedded within intellectual capital structure of banks, where all persons at all levels appreciate and understand the banks’ risk management policies as well as strategies and incorporate same into decision-making and business processes.

scholarly journals Effect of Non-Performing Investment on Islamic Banks performance: An empirical study on Islamic Banks in Bangladesh.

2019 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Shafir Zaman ◽  
Md Mohiuddin Chowdhury
Keyword(s):  
Regression Analysis ◽  
Banking Sector ◽  
Statistical Tests ◽  
Capital Adequacy ◽  
Bank Performance ◽  
Islamic Banks ◽  
Correlation And Regression Analysis ◽  
Capital Adequacy Ratio ◽  
The Subject ◽  
Overall Performance

  Non-performing investment are the amounts that can not be collected by organization from clients. In Bangladesh banking sector is facing severe consequences from lack of collection of non- performing loan(non performing investment for Islamic banks).Emphasizing the significance of the subject the study is undertaken  to find out how non performing investment  effect performance of Islamic banks in Bangladesh  for five year period from 2012 to 2016.Statistical tests such as (descriptive statistics, correlation and regression analysis) are performed to find out  the effect non performing investment  have on the overall performance of Islamic banks. Correlation analysis opine negative association of non performing investment with bank performance, bank size  and capital adequacy ratio. On the other hand, regression analysis did not found any significant effect  of non performing investment with bank performance.

scholarly journals PENGARUH INTELLECTUAL CAPITAL STRUKTUR MODAL DAN TINGKAT INFLASI TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH DI INDONESIA

Media Ekonomi ◽  
2017 ◽  
Vol 25 (1) ◽  
pp. 25
Author(s):  
Putri Indriani ◽  
Nirdukita Ratnawati
Keyword(s):  
Financial Performance ◽  
Intellectual Capital ◽  
Value Added ◽  
Regression Method ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Islamic Bank ◽  
Capital Adequacy Ratio ◽  
The Relationship

<em>The purpose of this study was to analyze the relationship and the influence of Value Added Intellectual Capital (VAIC) and Structure of capital as measured by Capital Adequacy Ratio (CAR) and The Rate of Inflation on financial performance Islamic Banking. <em>The method used in this study is the regression method panel. The data used in this study were taken from the nine Islamic Bank in Indonesia Indonesian period 2010-2015.</em> <em>Results of the study showed inflasi have positively to financial performance and CAR have negatively to financial performance. If seen from the results an VAIC on financial performance have the positively significant results at Islamic bank in Indonesia .</em><br /></em>

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 Pengaruh Good Corporate Governance dan Intellectual Capital Terhadap Kinerja Keuangan pada Perusahaan Perbankan

2021 ◽  
Vol 5 (1) ◽  
pp. 76
Author(s):  
Astri Rosiana ◽  
Arya Samudra Mahardhika
Keyword(s):  
Corporate Governance ◽  
Intellectual Capital ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

Tujuan dari penelitian ini adalah untuk menguji dan menganalisis pengaruh Good Corporate Governance (Dewan Direksi, Komite Audit, dan Komisaris Independen) dan Intellectual Capital terhadap Kinerja Keuangan perusahaan perbankan. Populasi penelitian adalah seluruh perusahaan perbankan yang terdaftar di Bursa Efek Indonesia 2014-2017 sebanyak 43 perusahaan. Sampel dalam penelitian menggunakan purposive sampling dan jumlah sampel sebanyak 32 perusahaan dengan periode penelitian 2014-2017. Data penelitian ini menggunakan data sekunder, diambil dari laporan tahunan perusahaan. Teknik analisis yang digunakan dalam penelitian ini adalah regresi linear berganda. Hasil uji t menunjukkan bahwa variabel GCG yang diproksikan dengan dewan direksi berpengaruh positif terhadap Return On Asset (ROA) dan variabel intellectual capital berpengaruh positif signifikan terhadap Return on assets (ROA) dan Capital Adequacy Ratio (CAR).

scholarly journals Analisis Determinan Pangsa Pasar Bank Syariah dengan Kinerja Bank Syariah di Indonesia Periode 2011-2016

2018 ◽  
Vol 5 (2) ◽  
pp. 135-142
Author(s):  
Sani Noor Rohman ◽  
Karsinah Karsinah
Keyword(s):  
Market Share ◽  
Variance Decomposition ◽  
Capital Adequacy ◽  
Bank Performance ◽  
Operational Cost ◽  
Difference Model ◽  
Banking Market ◽  
Capital Adequacy Ratio ◽  
Banking Development ◽  
The Relationship

Tujuan penelitian ini adalah melihat respon guncangan, dan kontribusi kinerja bank syariah dengan pangsa pasar. Program Akselerasi Pengembangan Perbankan Syariah (PAPBS) Indonesia menargetkan pangsa pasar bank syariah pada tahun 2008 adalah sebesar 5 %. Sedangkan pada tahun 2015 mencapai pangsa pasar perbankan syariah sebesar 15 %.  Namun pada akhir tahun 2016 pangsa pasar masih berada pada 5,29%. Variabel penelitianya adalah Market Share (Pangsa Pasar) dengan Biaya Operasional dan Pembiayaan Operasional (BOPO), Capital Adequacy Ratio (CAR), Return Of Asset (ROA), Finance To Deposte Ratio (FDR), Non Performing Finance (NPF). Hasil analisis penelitian ini, Kinerja bank syariah menunjukkan Pangsa pasar bank syariah merespon positif terhadap varaiabel BOPO, CAR, ROA dan FDR, sedangkan variabel NPF merespon negatif, sedangkan uji Variance Decomposition variabel ROA memiliki kontribusi lebih besar dibandngkan Variabel BOPO, CAR, FDR,dan NPF.   The purpose of this research is to see the relationship, shock response, and contribution of syariah bank performance with market share. The Indonesia Islamic Banking Development Acceleration Program (PAPBS) targets the market share of shariah banks in 2008 amounted to 5%. While in the year 2015 is to achieve sharia banking market share of 15%. But by the end of 2016 the market share is still at 5.29%. The research variables are Market Share with Operational Cost and Operational Financing (BOPO), Capital Adiquacy Ratio (CAR), Return Of Assets (ROA), Finance To Deposte Ratio (FDR), Non Performing Finance (NPF). The method used VAR (Vector Auto Regretion) which theoretically does not occur relationship between variables with VAR In Difference model.. Result of research is The performance of shariah banks shows that the market share of shariah banks responds positively to BOPO, CAR, ROA and FDR variables, whereas NPF variable responds negatively, while the Variance Decomposition variable of ROA has bigger contribution than BOPO, CAR, FDR, and NPF variables

scholarly journals Assessing Financial Risk and Regional Macroeconomic Influence to Islamic Rural Bank Performance

2019 ◽  
Vol 7 (1) ◽  
pp. 049
Author(s):  
Faaza Fakhrunnas ◽  
Mochamad Ali Imron
Keyword(s):  
Economic Growth ◽  
Financial Risk ◽  
Panel Data Analysis ◽  
Capital Adequacy ◽  
Regional Economic Growth ◽  
Bank Performance ◽  
Regional Economic ◽  
Macroeconomic Factors ◽  
Capital Adequacy Ratio ◽  
External Risk

Islamic Rural Bank must deal with internal and external risks which will affect to the performance of the bank. This paper aims to assess the internal and external risks that influence to the bank performance. By adopting panel data analysis, the paper analyzes 21 biggest Islamic rural bank which as a representative of 21 provinces around Indonesia during 2013-2017 which result 420 observation period. Furthermore, Return on Asset (ROA) are utilized as dependent variable which represents Islamic rural bank’s performance. As independent variables, Non-Performing Financing (NPF) and Capital Adequacy Ratio (CAR) are applied as internal risk in Islamic rural bank. To analyze external risk, regional macroeconomic factors, Regional Economic Growth (REG) and Regional Inflation (RInf) are employed then Total Asset of Islamic rural bank  (Size) is also used as complementary variable.  Based on the analysis, this study finds that SRB has robust risk management through internal and external risk. However, REG has significant ROA that explains the performance of Islamic rural bank will depend on regional economic growth in each province.

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).

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