Pengaruh Non Performing Financing Dan Capital Adequacy Ratio Terhadap Profitabilitas

AbstractThis research was conducted with the aim to find out empirically the effect of NPF and CAR on the ROA of Islamic BJB banks simultaneously and partially. The dependent variable in this study is Profitability with Return Of Assets as an indicator. And Independent Variables in this study are NPF and CAR. This research uses quantitative research methods, the population in this study is the Bogor branch of the Islamic bjb bank. In this study using a purposive sampling technique using the financial statements of BJB syariah Bogor in 2010-2018. Data collection through observation is by collecting banking financial statements for 2010 - 2018. The analytical techniques that will be used are Descriptive Statistics Analysis, Classical Assumption Test, Multiple Linear Regression Analysis, and Statistical Hypothesis Test.The results showed that: (1) Non Performing Financing partially had a significant effect on (ROA), with a Sig value of 0.001 (0.001 <0.05). (2) Capital Adequacy Ratio (CAR) partially has a non-significant effect on ROA, with a Sig value of 0.529 (0.529> 0.05). (3) Non Performing Financing and Capital Adequacy Ratio have a positive effect on profitability (ROA) with a Sig value of 0.002 (0.002 <0.05). AbstrakPenelitian ini dilakukan dengan tujuan untuk mengetahui secara empiris pengaruh NPF dan CAR terhadap ROA Bank BJB Syariah secara simultan dan parsial. Variabel dependen dalam penelitian ini adalah Profitabilitas dengan Return Of Assets sebagai indikatornya. Dan Variabel Independen dalam penelitian ini adalah NPF dan CAR. Penelitian ini menggunakan metode penelitian kuantitatif. Populasi pada penelitian ini adalah Bank BJB Syariah Cabang Bogor. Dalam penelitian ini menggunakan teknik purposive sampling dengan menggunakan laporan keuangan Bank BJB Syariah Bogor tahun 2010-2018. Pengumpulan data melalui observasi yaitu dengan mengumpulkan laporan keuangan perbankan tahun 2010 - 2018. Teknik analisis yang digunakan adalah Analisis Statistik Deskriptif, Uji Asumsi Klasik, Analisis Regresi Linear Berganda, dan Uji Hipotesis Statistic. Hasil penelitian menunjukan bahwa: (1) Non Performing Financing secara parsial memiliki pengaruh yang signifikan terhadap (ROA), dengan nilai Sig 0,001 (0,001 < 0,05). (2) Capital Adequacy Ratio secara parsial memiliki pengaruh yang tidak signifikan terhadap ROA, dengan nilai Sig 0,529 (0,529 > 0,05). (3) Non Performing Financing dan Capital Adequacy Ratio berpengaruh positif terhadap profitabilitas (ROA) dengan nilai Sig 0,002 (0,002 < 0,05)

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Pengaruh Return on Asset dan NonPerforming Loan Terhadap Capital Adequacy Ratio Pada PT Bank Mega Tbk

Jurnal Madani : Ilmu Pengetahuan, Teknologi dan Humaniora ◽

10.33753/madani.v4i1.145 ◽

2021 ◽

Vol 4 (1) ◽

Author(s):

Faisal Faisal

Keyword(s):

Linear Regression Analysis ◽

Sampling Technique ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Return On Assets ◽

Purposive Sampling ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Independent Variable ◽

Interest Margin

This study aims to determine the effect of the independent variables on the dependent variable. The independent variable used in this study is Return on Assets, Non Performing Loans. While the dependent variable in this study is the Capital Adequacy Ratio. The data used in this study are quarterly data from 2010 to 2018. The sampling technique used in this study was purposive sampling involving Bank Mega Tbk. The analysis technique used is multiple linear regression analysis. Based on the results of data analysis, this study shows that simultaneously (Simultaneous) Return on Assets, Non Performing Loans have a significant effect on Capital Adequacy Ratio. And individually (partial) Net Interest Margin, Non Performing Loans and Return on Assets have a positive effect on CAR, negatively affect CAR. Determination coefficient results indicate the Adjusted R-squared value of 0.714240 means that the independent variable can explain the dependent variable by 71.42% while the rest is explained by other variables not contained in the model.In this study, the researcher wanted to find out whether there was a significant relationship between Return on Assets, Non-Performing Loans had a significant effect on the Capital Adequacy Ratio. Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh antara variabel independen terhadap variabel dependen. Variabel independen yang digunakan dalam penelitian ini adalah Return on Asset, Non Performing Loan. Sedangkan variabel dependen dalam penelitian ini adalah Capital Adequacy Ratio. Data yang digunakan dalam penelitian ini adalah data kuartal selama periode 2010 sampai dengan 2018. Teknik sampling yang digunakan dalam penelitian ini adalah purposive sampling yang melibatkan Bank Mega Tbk. Teknik analisis yang digunakan adalah analisis regresi linear berganda. Berdasarkan hasil analisis data penelitian ini menunjukan secara bersama-sama (Simultan) Return on Asset, Non Performing Loan berpengaruh signifikan terhadap Capital Adequacy Ratio. Dan secara individu (Parsial) Net Interest Margin, Non Performing Loan dan Return on Asset berpengaruh positif terhadap CAR, berpengaruh negatif terhadap CAR. Hasil Koefisien Determinasi menunjukan nilai Adjusted R-squared sebesar 0,714240 artinya bahwa variabel independen dapat menjelaskan variabel dependen sebesar 71,42% sedangkan sisanya dijelaskan oleh variabel lain yang tidak terdapat dalam model.Return on Asset, Non Performing Loan berpengaruh signifikan terhadap Capital Adequacy Ratio KataKunci: Return on Asset, Non Performing Loan, Capital Adequacy Ratio.

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Pengaruh Komponen Risk Based Bank Rating Pada Nilai Perusahaan Perbankan

E-Jurnal Akuntansi ◽

10.24843/eja.2019.v29.i02.p29 ◽

2019 ◽

Vol 29 (2) ◽

pp. 883

Author(s):

Ketut Krisna Savitri ◽

I Wayan Ramantha

Keyword(s):

Corporate Governance ◽

Stock Exchange ◽

Linear Regression Analysis ◽

Sampling Technique ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Return On Assets ◽

Good Corporate Governance ◽

Capital Adequacy Ratio ◽

Negative Effect

This study aims to empirically examine the effect of the risk-based bank rating component as measured by non-performing loans, loan to deposit ratio, good corporate governance, return on assets and capital adequacy ratio on the value of banking companies listed on the Indonesia Stock Exchange (BEI) Year 2013-2017. The research sample was selected using the nonprobability sampling method with a purposive sampling technique and obtained as many as 6 banking companies, so that the number of observations with a study period of 5 years was 30 observations. The data analysis technique used is multiple linear regression analysis. The results of this study indicate that non-performing loans and loan to deposit ratios have a negative effect on the value of banking companies. Return on assets and capital adequacy ratio have a positive effect on the value of banking companies and good corporate governance does not affect the value of banking companies. Keywords : Risk Based Bank Rating; Company Value; Banking.

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Pengaruh NPL, LDR, dan CAR padaROA Perusahaan Perbankan yang Terdaftar di BEI Tahun 2014-2016

E-Jurnal Akuntansi ◽

10.24843/eja.2018.v24.i03.p17 ◽

2018 ◽

pp. 2096

Author(s):

Putu Intan Trisna Dewi ◽

I Ketut Suryanawa

Keyword(s):

Stock Exchange ◽

Linear Regression Analysis ◽

Sampling Technique ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Return On Assets ◽

Analysis Technique ◽

Capital Adequacy Ratio ◽

Negative Effect ◽

Positive Effect

Banking plays an important role in influencing economic activity. Banking is required to gain profit so as to compete in order to maintain its survival. The profit is used to pay for all types of operational costs. This research was conducted in Banking Companies Listed in Indonesia Stock Exchange Period Year 2014 - 2016. The number of samples is 20 banks, with the method of purposive sampling technique. Data collection is done by observation or observation. The analysis technique used is multiple linear regression analysis. Based on the result of research, it is known that non performing loan has negative effect on return on asset, loan to deposit ratio has positive effect on return on asset, and capital adequacy ratio has negative effect on return on asset. Keywords: Non Performing Loan, Loan to Deposit Ratio, Capital Adequacy Ratio, Return On Assets.

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PENGARUH DANA PIHAK KETIGA DAN RASIO KECUKUPAN MODAL TERHADAP PEMBIAYAAN MURABAHAH

INVOICE : JURNAL ILMU AKUNTANSI ◽

10.26618/inv.v3i1.4973 ◽

2021 ◽

Vol 3 (1) ◽

pp. 54-67

Author(s):

Kresnhanto Aziz ◽

Dian Hakip Nurdiansyah

Keyword(s):

Linear Regression Analysis ◽

Sampling Technique ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Statistical Testing ◽

Third Party ◽

Coefficient Of Determination ◽

Capital Adequacy Ratio ◽

Ratio Variables ◽

Positive Effect

This study aims to examine the effect of Third Party Funds and Capital Adequacy Ratio on Murabahah Financing in Indonesia from 2017-2019. This research method uses quantitative approach. The data used in this study comes from financial statements of sharia bank companies in Indonesia for the period of 2017-2019. Then, the data that has been obtained will be analyzed using multiple linear regression analysis and hypothesis testing consisting of the t test and f test with the help from SPSS 23 software. The sampling technique uses non probability sampling with purposive sampling technique. The results of statistical testing show that partially Third Party Funds has positive effect on Murabahah Financing and Capital Adequacy Ratio has positive effect on Murabahah Financing. Meanwhile, simultaneously Third Party Funds and Capital Adequacy Ratio has an effect on Murabahah Financing. Then, the coefficient of determination (R2) was 97,5%. This shows that Third Party Funds and Capital Adequacy Ratio variables can effect the Murabahah Financing by 97,5% and the remaining of 2,5% is influenced by other variables which are not used in this study. Keywords: Third Party Funds, Capital Adequacy Ratio, Murabahah Financing

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The effect of efficiency ratio, Bad Credit and Profitability to Capital Adequacy Ratio at Sharia Commercial Banks in Indonesia Year 2014-2018

Ekspektra Jurnal Bisnis dan Manajemen ◽

10.25139/ekt.v5i2.4201 ◽

2021 ◽

Vol 5 (2) ◽

pp. 112-122

Author(s):

Sulistyaning Tyas ◽

Eni Wuryani

Keyword(s):

Commercial Banks ◽

Linear Regression Analysis ◽

Secondary Data ◽

Sampling Technique ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Efficiency Ratio ◽

Financial Reports ◽

Capital Adequacy Ratio ◽

Dependent Variables

This study aims to determine the effect of efficiency ratios, non-perfoming loans, and profitability on the capital adequacy ratio in Islamic Commercial Banks in Indonesia 2014-2018. This research is a quantitative study with secondary data from financial reports. Purposive sampling is a sampling technique use in this study so that there are 14 samples of Islamic commercial banks during the 2014-2018 period. The data analysis used is multiple linear regression analysis with the SPSS application. The results obtained by two dependent variables, the efficiency ratio and non-performing loans have an influence on the capital adequacy ratio. Meanwhile, profitability partially has no effect on the capital adequacy ratio.

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Influence of Bank Health Ratio on Financial Performance of Islamic Commercial Bank

Jurnal Ilmu Manajemen & Ekonomika ◽

10.35384/jime.v10i1.57 ◽

2018 ◽

Vol 10 (1) ◽

pp. 1

Author(s):

Edi Komara

Keyword(s):

Financial Performance ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Financial Statements ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Operating Income ◽

Capital Adequacy Ratio ◽

Income Ratio ◽

Health Ratio

This study aims to analyse the influence of bank health ratios on the financial performance of Islamic Commercial Banks using the ratio of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) ratio, Operating Expenses Operating Income ratio (OEOI), against Islamic Commercial Bank’s profitability represented by Return on Asset ratio (ROA). The population used in this study is the financial statements of Islamic Commercial Banks period 2015 until 2017. Types of quantitative data with library data collection techniques, and documentation. Technical analysis of data using multiple linear regression analysis with the help of SPSS 20 program. The results showed that health variables (CAR, LDR, and OEOI) simultaneously affect the Financial Performance of Islamic Commercial Banks. Partially CAR has no significant effect on ROA, LDR has no significant effect on ROA. The effect of OEOI on ROA is partial.

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PENGARUH FAKTOR-FAKTOR INTERNAL PERBANKAN TERHADAP NON PERFORMING FINANCING PADA BANK UMUM SYARIAH

Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen ◽

10.32477/jrm.v6i2.353 ◽

2019 ◽

Vol 6 (2) ◽

pp. 115-130

Author(s):

Eka Ambara Harci Putranta ◽

Lilik Ambarwati

Keyword(s):

Linear Regression ◽

Multiple Linear Regression ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Annual Reports ◽

Regression Methods ◽

Capital Adequacy Ratio ◽

Negative Effect ◽

Independent Variable

The study aims to analyze the influence of internal banking factors in the form of: Capital Adequency Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing at Sharia Banks. This research method used multiple linear regression analysis with the help of SPSS 16.00 software which is used to see the influence between the independent variables in the form of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing. The sample of this study was 3 Islamic Commercial Banks, so there were 36 annual reports obtained through purposive sampling, then analyzed using multiple linear regression methods. The results showed that based on the F Test, the independent variable had an effect on the NPF, indicated by the F value of 17,016 and significance of 0,000, overall the independent variable was able to explain the effect of 69.60%. While based on the partial t test, showed that CAR has a significant negative effect, Total assets have a significant positive effect with a significance value below 0.05 (5%). Meanwhile FDR does not affect NPF.

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Pengaruh Tipe Industri, ROE, ROA Dan Kinerja Lingkungan Terhadap Pengungkapan Islamic Social Reporting

SKETSA BISNIS ◽

10.35891/jsb.v6i1.1583 ◽

2019 ◽

Vol 6 (1) ◽

pp. 1-12

Author(s):

Nuraeni ◽

Anik Mauilah

Keyword(s):

Statistical Analysis ◽

Environmental Performance ◽

Linear Regression Analysis ◽

Sampling Technique ◽

Total Sample ◽

Multiple Linear Regression Analysis ◽

Social Reporting ◽

Annual Reports ◽

Purposive Sampling ◽

Negative Effect

English This study aims to determine the effect of few variables, that is industiral type, profitability proxied by ROE and ROA, and environmental performance towards Islamic social reporting disclosure in companies listed in JII 2011-2015. The population in this study were all companies registered in JII 2011-2015, the sampling technique using purposive sampling, so that a total sample of 11 companies was obtained for five years, or equal to 55 annual reports. The analysis in this study is a descriptive statistical analysis by conducting a classic assumption test. The multiple linear regression analysis in this study uses SPSS 17 statistical analysis tools. The results of this study indicate that the Industry Type and Environmental Performance variables have no significant effect on Islamic Social Reporting Disclosure, while ROE has a significant negative effect and ROA has a significant positive effect on Islamic Social Reporting Disclosure. Keywords: Industrial Type, ROE, ROA, Environmental Performance, Islamic Social Reporting Disclosure. Indonesia Penelitian ini bertujuan untuk mengetahui pengaruh variabel tipe industri, profitabilitas yang diproksikan dengan ROE dan ROA, serta kinerja lingkungan terhadap pengungkapan islamic social reporting pada perusahaan yang terdaftar di JII Periode 2011-2015. Populasi dalam penelitian ini adalah seluruh perusahaan yang terdaftar di JII periode 2011-2015, teknik pengambilan sampel dengan menggunakan purposive sampling, sehingga diperoleh total sampel sebanyak 11 perusahaan selama lima tahun, atau sama dengan 55 laporan tahunan. Analisis dalam penelitian ini merupakan analisis statistik deskriptif dengan melakukan uji asumsi klasik. Adapun analisis regresi linier berganda dalam penelitian ini menggunakan alat analisis statistik SPSS 17. Hasil penelitian ini menunjukkan bahwa variabel Tipe Industri dan Kinerja Lingkungan berpengaruh tidak signifikan terhadap Pengungkapan Islamic Social Reporting, sedangkan ROE berpengruh negatif signifikan dan ROA berpengaruh positif signifikan terhadap Pengungkapan Islamic Social Reporting.

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KEMAMPUAN MENINGKATKAN PERTUMBUHAN LABA PERBANKAN DILIHAT DARI PENGARUH KESEHATAN KEUANGAN BANK

Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT ◽

10.36226/jrmb.v3i2.106 ◽

2018 ◽

Vol 3 (2) ◽

pp. 135-144

Author(s):

Tyahya Whisnu Hendratni ◽

Nana Nawasiah ◽

Trisnani Indriati

Keyword(s):

Quantitative Data ◽

Stock Exchange ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Operating Costs ◽

Publicly Traded ◽

Earnings Growth ◽

Capital Adequacy Ratio ◽

Profit Growth

The purpose of this study was to determine the effect of the ratio of Capital Adequacy Ratio (CAR), Loan to Deposite Ratio (LDR), Operational Income Operating Costs (BOPO) to Bank Profit Growth both partially and simultaneously at publicly traded bank companies in the Indonesia Stock Exchange (IDX ) period 2012 - 2016. The sample of this study is Commercial Banks in Indonesia which are listed on the Indonesia Stock Exchange (IDX) for the period of 2012 up to 2016 totaling 14 banks. This study uses quantitative data obtained from the Indonesia Stock Exchange with a method using multiple linear regression analysis. The results of the study show that simultaneously the CAR, BOPO, LDR variables affect earnings growth by 79% and the remaining 21% are influenced by other factors outside this research. Partially BOPO has a positive and significant effect on profit growth. While the CAR and LDR variables show that the results have no positive and insignificant effect on profit growth. Keywords: Profit Growth, CAR, BOPO, LDR

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Pengaruh Rasio Keuangan terhadap Profitabilitas pada Perusahaan

Jurnal Riset Matematika ◽

10.29313/jrm.v1i1.105 ◽

2021 ◽

Vol 1 (1) ◽

pp. 21-29

Author(s):

Amalia Amanda Hidayah ◽

Eti Kurniati ◽

Farid H. Badruzzaman

Keyword(s):

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Analysis Techniques ◽

Operational Costs ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Negative Effect ◽

Positive Effect ◽

Interest Margin

Abstract. This study used a sample of 6 companies. The research objective was to determine the effect of Non Performing Loans (NPL), Operational Costs on Operational Income (OCOI), Net Interest Margin (NIM), Loan to Deposits Ratio ( LDR) and Capital Adequacy Ratio (CAR) to profitability (ROA). Problem solving using multiple linear regression analysis techniques. Based on the analysis, it is known that NPL and LDR have a significant negative effect on profitability (ROA), while CAR have a significant positive effect on profitability (ROA). Abstrak. Penelitian ini menggunakan sampel sebanyak 6 perusahaan. Tujuan penelitian untuk mengetahui pengaruh Non Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), Loan to Deposits Ratio (LDR) dan Capital Adequacy Ratio (CAR) terhadap profitabilitas (ROA). Pemecahan masalah menggunakan teknik analisis regresi linier berganda. Berdasarkan hasil analisis maka diketahui bahwa NPL dan LDR berpengaruh negatif signifikan terhadap profitabilitas (ROA), sedangkan CAR berpengaruh positif signifikan terhadap profitabilitas (ROA).

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