Pengaruh Capital Adequacy Ratio (Car) terhadap Return On Assets (Roa) Perbankan Syariah (Studi Kasus: Bank Umum Syariah Devisa di Indonesia Periode 2012-2016)

WADIAH ◽  
2018 ◽  
Vol 2 (2) ◽  
Author(s):  
Khusnul Imamah, Achmad Munif
Keyword(s):  
Exchange Rate ◽  
Capital Adequacy ◽  
Debt Ratio ◽  
Return On Assets ◽  
Capital Adequacy Ratio

Penelitian ini bertujuan untuk mengetahui pengaruh CAR terhadap ROA Bank Umum Syariah Devisa di Indonesia periode tahun 2012-2016. Di dalam Salinan Surat Edaran Otoritas Jasa Keuangan Nomor 10/SEOJK.03/2014 Tentang Penilaian Tingkat Kesehatan Bank Umum Syariah dan Unit Usaha Syariah, parameter yang digunakan adalah capital dan earning. Parameter capital dinilai menggunakan indikator Capital Adequacy Ratio (CAR) dan parameter earning dinilai menggunakan indikator Return On Assets (ROA). Semakin tingginya permodalan suatu bank (CAR), maka kinerja bank (ROA) akan semakin tinggi. Jika dihubungkan dengan teori CAR dan ROA, selama periode tahun 2012-2014 CAR dan ROA Bank Umum Syariah di Indonesia mengalami fluktuasi dan tidak sesuai dengan teori hubungan CAR dan ROA. Perbankan Syariah yang digunakan dalam penelitian memfokuskan pada 4 bank dengan jumlah kantor cabang dalam negeri terbanyak di Indonesia. Dan ke-4 bank tersebut merupakan bank yang terdaftar dalam Bank Umum Syariah Devisa di Indonesia.Penelitian ini berjenis penelitian kuantitatif, yakni penelitian yang disajikan dalam bentuk angka dan statistik. Data yang digunakan adalah data sekunder, yakni data yang sudah tersaji di website masing-masing bank, website Bank Indonesia, dan website Otoritas Jasa Keuangan (OJK). Sampel yang digunakan dalam penelitian ini adalah laporan keuangan publikasi triwulan yang fokus pada laporan rasio keuangan dari masing-masing bank yang menjadi anggota Bank Umum Syariah Devisa di Indonesia periode tahun 2012-2016 sebanyak 80 sampel.Hasil penelitian ini menunjukkan bahwa CAR berpengaruh terhadap variabel ROA dengan nilai thitung 8,276 > ttabel 1,665. H0 : ditolak dan Ha : diterima. Jadi CAR berpengaruh terhadap ROA pada Bank Umum Syariah Devisa dengan nilai kontribusi CAR terhadap ROA sebesar 46,8%. Sebesar 53,2% dipengaruhi oleh faktor lain yaitu Efisiensi Operasional, Financing Debt Ratio (FDR), Non Performing Financing (NPF) dan Exchange Rate (Nilai Tukar). Kata Kunci : Capital Adequacy Ratio (CAR), Return On Assets (ROA), Bank Umum Syariah Devisa

scholarly journals PENGARUH LOAN TO DEPOSITE RATIO, RETURN ON ASSETS, CAPITAL ADEQUACY RATIO, EXCHANGE RATE DAN INTEREST RATE TERHADAP RETURN SAHAM

2017 ◽  
Vol 19 (3) ◽  
pp. 340
Author(s):  
Ketut Asmara Jaya
Keyword(s):  
Exchange Rate ◽  
Interest Rate ◽  
Stock Returns ◽  
Significant Influence ◽  
Stock Return ◽  
Random Effect ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Lm Test

Pertumbuhan pasar modal pada akhir tahun 2010 menunjukkan kinerja yang luar biasa dengan meningkatnya kembali nilai saham dengan dipengaruhi oleh berbagai faktor, baik faktor internal ataupun faktor eksternal dari setiap perusahaan. Studi ini menganalisis untuk pinjaman deposit rasio (LDR), pengembalian asset (ROA), rasio kecukupan modal (CAR), nilai tukar dan suku bunga yang berdampak pada keuntungan saham di perusahaan perbankan. Studi panel ini menggunakan data LM test statistik yang menunjukkan perhitungan metode random effect adalah cara yang lebih tepat digunakan untuk mengestimasi model dalam penelitian ini. Hasil studi menunjukkan bahwa variabel ROA memberikan pengaruh positif dan signifikan dalam return saham. Sedangkan variabel LDR, CAR dan Kurs tidak ada pengaruh yang signifikan terhadap return saham, dan hanya kecenderungan jika LDR, CAR dan Kurs meningkat maka return saham dapat meningkat pula Suku bunga variabel tidak memberikan pengaruh positif dan pengaruh signifikan karena tidak memiliki hubungan dengan return saham.Growth of Capital market in late 2010 showed outstanding performance with rising of stock return which is influenced by various factors, both internal factors and external factors of each company it self. This study analyzes the Loan To Deposite Ratio (LDR), Return On Assets (ROA), Capital Adequacy Ratio (CAR), Exchange Rate and Interest Rate impact on stock returns in corporate banking. This study uses panel data with LM Test statistical calculation it is shown that Random Effect method is more precise to be used in this study. The result of the study shown that ROA variable gives positive and significant influence in stock return. While LDR, variables CAR and exchange rate of no influence and significantly to return stock, and only tendency if LDR, CAR and exchange rate increase then return shares can be increased as well. The Interest Rate variable did not give positive and significant influence because of not having relationship with stock return.

scholarly journals Analisis Faktor Eksternal dan Internal Bank terhadap Risiko Pembiayaan Bank Umum Syariah di Indonesia Periode 2012-2015

2018 ◽  
Vol 9 (1) ◽  
pp. 13
Author(s):  
Amalia Eka Purnamasari ◽  
Musdholifah Musdholifah
Keyword(s):  
Exchange Rate ◽  
Gross Domestic Product ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Negative Influence ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Analysis Model ◽  
Return On Assets ◽  
Capital Adequacy Ratio

The purpose of this research was to determine effect of growth gross domestic product, inflation, exchange rate, capital adequacy ratio, return on assets, operating expenses to operating revenues and bank size on financing risk (NPF) of Sharia Banks period 2012-2015. The data that use in this research is the secondary data, that is financial statement of Sharia Banks in Indonesia period 2012-2015. The sampling method that used in this research are purposive sampling and data analysis model used is the multiple linear regression analysis. The result of this research show that simultaneous each external and internal bank factor have influence on the NPF. But partially, showed that eksternal factor, namely growth gross domestic product, inflation and exchange rate have no influence on the NPF. While from the internal bank showed capital adequacy ratio and operating expenses to operating revenues have no influence, return on assets have a negative influence and bank size have a positive influence on the NPF. 

scholarly journals PENGARUH FIRM SIZE, DEBT RATIO DAN CAPITAL ADEQUACY RATIO TERHADAP PROFITABILITAS

Equity ◽  
2019 ◽  
Vol 18 (2) ◽  
pp. 153
Author(s):  
Diah Suryati ◽  
Fitri Yetti
Keyword(s):  
Firm Size ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Analysis Tool ◽  
Debt Ratio ◽  
Return On Assets ◽  
Independent Variables ◽  
Percentage Points ◽  
Capital Adequacy Ratio ◽  
Statistical Analysis Tool

This study examind the effect of firm size, debt ratio and capital adequacy ratio in the banking companies listed in Indonesia Stock Exchange (IDX) during 2011 - 2014. The methodology in this research is descriptive quantitative by using multiple regression analysis. This model is a statistical analysis tool that is used to describe the effect of independent variables on the dependent variable (partially and simultaneously). In partial results of the study concluded that the profitability of using formulas return on assets, the ratio of financial performance in banking that firm size has a positive and significant impact on profitability. And the debt ratio has a negative and significant impact on the profitability of the banking company. The higher firm size will lead to improved profitability in the banking company, the higher the debt ratio will cause a decrease in the profitability of the banking company. While the capital adequacy ratio has no significant effect on profitability. Simultaneously, the influence of three independent variables on profitability in the banking company is 30.5 percentage points.

scholarly journals Pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, dan Kurs terhadap Return On Asset

2020 ◽  
Vol 2 (3) ◽  
pp. 187-194
Author(s):  
Annisa Indria Irnawati ◽  
Bambang Waluyo ◽  
Taufikul Ichsan
Keyword(s):  
Exchange Rate ◽  
Exchange Rates ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

Purpose- This study aims to examine the effect of Capital Adequacy Ratio, Financing to Deposit Ratio, and exchange rates on Return On Assets in Islamic Banks for the period 2009 - 2017. Methods- The analysis technique used is multiple linear regression with the assistance of the Program Eviews. Finding- The results showed that CAR has a positive but not significant effect, while FDR has a significant positive effect, and the exchange rate has a significant negative effect on Return On Assets. AbstrakTujuan- Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, dan kurs terhadap Return On Asset pada Bank Syariah periode 2009 – 2017. Metode- Teknik analisis yang digunakan adalah regresi linier berganda berbantuan programEviews. Temuan- Hasil penelitian menunjukkan bahwa CAR berpengaruh positif namun tidak signifikan, sementara FDR berpengaruh positif signifikan, dan kurs berpengaruh negatif signifikan terhadap Return On Asset

scholarly journals PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PEMBIAYAAN BERMASALAH PADA BANK UMUM SYARIAH (BUS) DAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS)

2019 ◽  
Vol 1 (3) ◽  
pp. 833
Author(s):  
Sherly Yolanda ◽  
Ariusni Ariusni
Keyword(s):  
Time Series ◽  
Exchange Rate ◽  
Commercial Bank ◽  
Secondary Data ◽  
Least Square ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Monthly Data ◽  
Factors Affecting ◽  
Capital Adequacy Ratio

This study was conducted to examine the factors affecting Non Performing Financing (NPF) in Sharia Commercial Bank and Sharia Rural Bank in Indonesia such as: Capital Adequacy Ratio (CAR), Return On Assets (ROA), Inflation, and Exchange Rate. The data used are secondary data in the form of time series of monthly data from 2015 to 2018.The method used are: (1) Ordinanry Least Square (OLS), (2) Classical Assumption Test which is processed through Eviews 8.0 application. The results of the study show that (1) Capital Adequacy Ratio (CAR) has a negative and significant effect on Non Performing Finansial (NPF) on Sharia Commercial Bank and Sharia Rural Bank (2) Return On Assets (ROA) has a negative and  not significant effect on Non Performing Finansial (NPF) on Sharia Commercial Bank and on Sharia Rural Bank has a positive and significant effect. (3) inflation has a negatif and not significant effect on Sharia Commercial Bank and Sharia Rural Bank. (4) Exchange Rate has a negatif and not significant effect on Non Performing Finansial (NPF) on Sharia Commercial Bank and on Sharia Rural Bank has a positive and not significant effect

scholarly journals Faktor-Faktor yang Memengaruhi Profitabilitas Bank Umum Syariah di Indonesia

2020 ◽  
Vol 4 (3) ◽  
pp. 06
Author(s):  
Eliza Christabella Phuanerys ◽  
Yanuar Yanuar
Keyword(s):  
Commercial Banks ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Debt Ratio ◽  
Return On Assets ◽  
Liquidity Management ◽  
Management Efficiency ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Asset Quality

This study was conducted to analyze the effect of the Capital Adequacy, Asset Quality, Management Efficiency and Liquidity Management ratios on profitability proxied by bank Return On Assets (ROA), by analyzing the annual financial statements that have been published in 2013-2017. The variables used in analyzing the financial statements of Sharia Commercial Banks that are sampled are Asset Quality which is proxied by Non Performing Financing (NPF), Liquidity Management which is proxied by Financing to Debt Ratio (FDR), Management Efficiency proxied by Net Operating Margin (NOM), and Capital Adequacy proxied by Capital Adequacy Ratio (CAR). The sample in this study was 11 Islamic commercial banks for 5 years, namely 2013-2017. The results showed that Capital Adequacy, Asset Quality, and Liquidity Management significantly influenced the profitability of Islamic commercial banks. Whereas Management Efficiency does not affect the profitability of Islamic commercial banks. Based on these results, Sharia Commercial Banks in Indonesia must increase capital, reduce problematic financing by improving internal processes, and increase bank liquidity by increasing fundraising.

scholarly journals PENGARUH CAPITAL ADEQUACY RATIO, NON-PERFORMING LOAN, NET INTEREST MARGIN, OPERATIONAL EFFICIENCY RATIO, LIQUIDITY TO DEBT RATIO TERHADAP RETURN ON ASSETS PADA PERUSAHAAN PERBANKAN DI INDONESIA (Studi Empiris pada Bank Umum Swasta Nasional Berstatus Devisa yang Terdaftar di Bank Indonesia Periode 2009-2011)

2016 ◽  
Vol 2 (2) ◽  
Author(s):  
Muhammad Faisal Bahri
Keyword(s):  
Operational Efficiency ◽  
Capital Adequacy ◽  
Debt Ratio ◽  
Efficiency Ratio ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Liquidity to Debt Ratio (LDR) terhadap kinerja perusahaan perbankan yang diproksikan dengan Return On Assets (ROA). Populasi penelitian ini adalah bank umum swasta nasional yang berstatus devisa yang terdaftar di Bank Indonesia periode 2009-2011. Terdapat 75 laporan keuangan dari 25 bank yang dapat dijadikan sampel penelitian selama tahun pengamatan. Hasil analisis menunjukan bahwa Net Interest Margin (NIM) berpengaruh positif terhadap Return On Assets (ROA) dan Rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh negatif secara signifikan terhadap Return On Assets (ROA), sedangkan Liquidity to Debt Ratio (LDR), Non-Performing Loan (NPL), dan Capital Adequacy Ratio (CAR) tidak berpengaruh secara signifikan terhadap Return On Assets (ROA). Kata Kunci : Rasio Keuangan, Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Rasio biaya Operasional terhadap Pendapatan Operasional (BOPO), Liquidity to Debt Ratio (LDR), Return On Assets (ROA).

scholarly journals Performance analysis of sharia commercial banks in Indonesia before the covid pandemic period (2015-2019)

2021 ◽  
Vol 10 (2) ◽  
pp. 228-237
Author(s):  
Erna Handayani ◽  
Alni Rahmawati ◽  
Naelati Tubastuvi ◽  
Ira Hapsari
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Debt Ratio ◽  
Performance Information ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
The Impact

Overcoming the impact of the Covid pandemic on Islamic banking in Indonesia, management must take strategic steps based on predictions and previous performance identification. Identify performance, information on the factors that affect the performance of Islamic banking in Indonesia is needed. Several aspects that are considered to affect Islamic banking performance that management must consider are capital, liquidity aspects, credit risk, and efficiency. This research examines the influence of the aspects of capital (Capital Adequacy Ratio and Third Party Funds), liquidity (Finance to Debt Ratio ), credit risk (Non-Performing Financing).) and operational efficiency (BOPO) on the performance of Islamic banking in Indonesia 5 (five) years before the Covid pandemic occurred in Indonesia (2015-2019). The results showed that these five aspects had a simultaneous effect on Islamic banking performance in Indonesia, with a termination coefficient of 94.4%. Of the five variables, CAR, FDR, NPF, and BOPO significantly affect performance, while TPF has no significant effect on performance (Return on Assets).

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%.

PENGARUH CAR, LDR DAN ROA TERHADAP LABA PERUSAHAAN PERBANKAN TERDAFTAR DI BURSA EFEK INDONESIA

2018 ◽  
Vol 23 (1) ◽  
pp. 72-85
Author(s):  
Lasminisih ◽  
Emmy Indrayani
Keyword(s):  
Decision Making ◽  
Multiple Regression ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Financial Statement ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
A Company ◽  
Future Plans

Company financial statement can be used to monitor the performance of a company. Financial statements are also used as a means for decision making so that the company can anticipate future plans. The purpose of this study was to find out the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Return on Assets (ROA) on profit changes percentage of Banking Companies. The number of sample companies used in this study was 27 Banks listed in the Indonesia Stock Exchange with observation periods from 2007 to 2008. The method used in this study was multiple regression. The results of this study have indicated that CAR, LDR, and ROA gave significant effects on changes in Banks profit so that Banking Companies performances can be measured. Keywords: CAR, LDR, ROA, Profit

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