scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK KONVENSIONAL DENGAN BANK SYARIAH YANG TERDAFTAR DI BEI

2019 ◽  
Author(s):  
Suhartono ◽  
Irdha Yusra
Keyword(s):  
Central Asia ◽  
T Test ◽  
Capital Adequacy ◽  
Bank Capital ◽  
Return On Assets ◽  
Capital Adequacy Ratio

Tujuan Penelitian ini adalah untuk menganalisis perbedaan kinerja keuangan Bank syariah dengan bank konvensional. Metode pengujian yang digunakan dalam penelitian uji Normalitas menggunakan metode Kolomogorov Smirnov dan Uji Independent Sample T-Test. Penelitian ini dilakukan pada Bank Mandiri Syariah dan Bank BRI Syariah (mewakili bank syariah), Bank Negara Indonesia, Bank Central Asia, Bank Tabungan Negara, Bank Bukopin, Bank Capital Indonesia, dan Bank Danamon Indonesia(mewakili bank konvensional). Aspek keuangan yang digunakan adalah rasio CAR (Capital Adequacy Ratio), kualitas aktiva produktif menggunakan rasio NPL (Non Performing Loan), rentabilitas menggunakan rasio ROA (Return On Assets), efisiensi menggunakan rasio BOPO (Beban Operasional terhadap Pendapatan Operasional), dan aspek likuiditas menggunakan rasio LDR (Loan to Deposit Ratio). Berdasarkan hasil penelitian ditemukan bahwa terdapat perbedaan yang signifikan antara kinerja perbankan syariah dibandingkan dengan perbankan konvensional, berdasarkan rasio NPL, ROA, BOPO, dan LDR. Sedangkan dilihat dari aspek CAR tidak berbeda signifikan kinerja perbankan syariah dengan kinerja perbankan konvensional.

scholarly journals The Effect of Non-Performing Loans (NPL) and Capital Adequacy Ratio (CAR) on Profitability (ROA) at PT. Bank Central Asia (BCA), TBK

2020 ◽  
Vol 1 (3) ◽  
pp. 121-126
Author(s):  
Rita Anggriani ◽  
Puji Muniarty Muniarty
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Central Asia ◽  
Sampling Method ◽  
Total Sample ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

The purpose of this research is to find out and analyze whether there is an influence between Non Performing Loans and Capital Adequacy Ratio both partially and simultaneously on the Profitability (ROA) of PT. Bank Central Asia, Tbk. The approach taken in this research is associative and quantitative. The population of this study was all subjects at PT. Bank Central Asia (BCA), Tbk for 44 years, namely 1974-2018 with a total sample of 9 years, namely 2010-2018. The sampling method is a purposive sampling method. While the data analysis technique uses classical assumptions, multiple linear regression, hypothesis testing (t-test and F test) and the coefficient of determination. The results of this study prove that Non-performing Loans do not affect the Return On Assets. However, Capital Adequacy Ratio has a significant effect on Return On Asset. While simultaneously this study proves that Non-Performing Loans and Capital Adequacy Ratio affect the Return On Assets at PT. Bank Central Asia, Tbk.

scholarly journals ANALISIS EFISIENSI BANK UMUM SYARIAH HASIL PEMISAHAN DAN NON PEMISAHAN SERTA FAKTOR-FAKTOR YANG MEMPENGARUHINYA (STUDI PADA BANK UMUM SYARIAH YANG TERDAFTAR DI OTORITAS JASA KEUANGAN PADA PERIODE 2011-2016)

2018 ◽  
Vol 9 (1) ◽  
Author(s):  
FITRI FADILAH ◽  
INDRI YULIAFITRI
Keyword(s):  
Stochastic Frontier ◽  
Capital Adequacy ◽  
Bank Capital ◽  
Return On Assets ◽  
Stochastic Frontier Approach ◽  
Capital Adequacy Ratio

Abstrak. Pengaruh Pendapatan Pelanggan, Modal Bisnis, Margin, Dan Nilai Collateral Terhadap Pembiayaan Murabahah Pada Bank Bni Syariah Mikro Kantor Cabang Pembantu Praya. Penelitian ini bertujuan untuk mengukur efisiensi Bank Umum Syariah hasil pemisahan dan non-pemisahan serta menganalisis perbedaan efisiensi Bank Umum Syariah hasil pemisahan dan non-pemisahan. Selain itu, juga akan menganalisis pengaruh ukuran bank, Capital Adequacy Ratio (CAR), Return on Assets (ROA), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) serta Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap efisiensi. Populasi dalam penelitian ini sebanyak 13 Bank Umum Syariah, sedangkan sampel dalam penelitian ini adalah sebanyak 6 Bank Umum Syariah yang terbagi menjadi 2 kelompok bank yaitu bank hasil pemisahan dan bank bukan hasil pemisahan. Metode yang digunakan untuk mengukur efisiensi adalah Stochastic Frontier Approach (SFA) dengan pendekatan intermediasi. Uji Mann Whitney U-Test digunakan untuk menganalisis perbedaan Bank Umum Syariah hasil pemisahan dan non-pemisahan.Metode Generalized Least Squared (GLS) digunakan untuk mengetahui pengaruh faktor determinan terhadap efisiensi. Hasil penelitian ini menunjukkan bahwa tidak terdapat perbedaan efisiensi antara Bank Umum Syariah hasil pemisahan dan non-pemisahan. Hasil penelitian lainnya menunjukkan bahwa ukuran bank dan FDR berpengaruh positif signifikan terhadap efisiensi, serta NPF berpengaruh negatif signifikan terhadap efisiensi.

scholarly journals INFLUENCE OF THIRD-PARTY FUNDS, CAR, NPF AND FDR TOWARDS THE RETURN ON ASSETS OF ISLAMIC BANKS IN INDONESIA

2017 ◽  
Vol 14 (02) ◽  
pp. 135
Author(s):  
Risma Ayu Kinanti ◽  
Purwohandoko Purwohandoko
Keyword(s):  
Linear Regression ◽  
T Test ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Return On Assets ◽  
Financial Report ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect

The purpose of this research is to analyze the influence of third party funds, capital adequacy ratio (CAR), non performing financing (NPF) ,financing to deposit ratio (FDR) Of return on assets (ROA) during period of 2008-2013 syariah banks in indonesia. About 3 syariah banks in indonesia was taken as sample for this research. The data used for this research were obtained from the data of Quarterly Published Financial Report Period 2008 up to 2013. The analysis technique used is Linear Regression that aims for estimating the relationships among variables. The results of F test showing that Third Party Funds, CAR, NPF and FDR simultaneously influential to ROA. While The result of t-test showing Third Party and NPF has significant positif effect to ROA, CAR and FDR has a negative effect on ROA syariah banks in Indonesia.Keywords: ROA, Third Party Funds, CAR , NPF, FDR

scholarly journals PENGARUH CAPITAL ADEQUACY RATIO DAN NON PERFORMING LOAN TERHADAP KINERJA KEUANGAN PERBANKAN YANG TERDAFTAR DI BEI

2020 ◽  
Vol 20 (2) ◽  
pp. 119-121
Author(s):  
Dian Efriyenty ◽  
Keyword(s):  
Significant Influence ◽  
Stock Exchange ◽  
Research Result ◽  
T Test ◽  
Capital Adequacy ◽  
Financial Statement ◽  
Return On Assets ◽  
F Test ◽  
Capital Adequacy Ratio

This research have purpose to find out the influence give by capital adequacy ratio and non performing loan to banking financial perfomance which have been listed in Indonesia Stock Exchange (IDX). The population in this research is 43 banking companies which have been listed in Indonesia Stock Exchange (IDX) and there 20 companies which have been meet the criteria samples selected. The financial statement data have been obtained from IDX Batam representative. The research result by F test show that have significant influence which mean that simultaneously capital adequacy ratio and non performing loan give significant influence to Return On Assets, therefore the regresion model of this research are feasibel to be observed. Partially, by using t test it have been obtained that capital adequacy ratio variable not have any significant influence to return on assets, meanwhile the non performing loan variable have significant influence to return on assets

scholarly journals The Impact of Capital on Bank Profitability: Case of Tunisia

2021 ◽  
pp. 7-20
Author(s):  
Mohamed Aymen Ben Moussa ◽  
Hédi Trabelsi ◽  
Adel Boubaker
Keyword(s):  
Capital Adequacy ◽  
Bank Capital ◽  
Return On Assets ◽  
Bank Profitability ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
The Impact ◽  
The Relationship ◽  
Interest Margin

The capital adequacy ratio measures the ability of a financial institutions to meet its liabilities by comparing its capital with assets. This article studied the relationship between bank capital and bank profitability measured by (Return on assets; return on equity; net interest margin). We used a method of static panel for a sample of 11 banks in Tunisia between (2000…2018). We found that bank capital has a significant impact on ROA. But capital has a non significant effect on bank return on equity and not significant impact on bank net interest margin.

scholarly journals Determinan Financing to Deposit Ratio Bank Umum Syariah di Indonesia Periode 2012-2015

2017 ◽  
Vol 4 (11) ◽  
pp. 860
Author(s):  
Didit Prakoso ◽  
Achsania Hendratmi
Keyword(s):  
T Test ◽  
Capital Adequacy ◽  
Quantitative Approach ◽  
Coefficient Of Determination ◽  
Islamic Banks ◽  
Return On Assets ◽  
F Test ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Approach Method

The research aimed to know the influence of Capital Adequacy Ratio (CAR), Return on Assets (ROA) and Size of the Financing to Deposit Ratio (FDR) Islamic Banks in Indonesia by using 11 Islamic Banks registered at Bank Indonesia the period 2012 to 2015 as samples. The research used a quantitative approach method. The analysis technique used multiple linearregression analysis and the equation is Y = 0,330 + 1,294(CAR) – 5,931(ROA) + 0,028 (Size). Based on the result of t-test (partial), CAR, ROA and Size significantly affects of FDR with the results of each 6,727, -2,831, 2,564. While the results of f-test (simultant) showed that CAR, ROA and Size significant effect on of FDR with a significance value 0.000. the coefficient of determination shows the value of R-Square (R2) of 54.0%. while the remains of 46% wasexplained by other variables outside the model.

scholarly journals How Big The Role of Credit Risk, Liquidity Risk and Capital Have an Effect On The Profitability of The 10 Largestt Bank in Indonesia

2021 ◽  
Vol 2 (1) ◽  
pp. 179-189
Author(s):  
Irawati Junaeni
Keyword(s):  
Credit Risk ◽  
Fixed Effects ◽  
Liquidity Risk ◽  
Capital Adequacy ◽  
Bank Capital ◽  
Return On Assets ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Data Processing Tool

The purpose of this research is to analyze how the effect of credit risk, liquidity risk, bank capital, on profitability. The ratio used to measure credit risk using the Non Performing Loan (NPL), liquidity risk using the Loan to Funding Ratio ( LFR) and bank capital using the Capital Adequacy Ratio (CAR). The sample in this study were the 10 largest banks in Indonesia based on total assets. The analysis technique used in this research is panel data regression with fixed effects. The data processing tool used in this study is the Eviews 10 program. The partial test results show that the variables of credit risk and bank capital have an effect on profitabilityas measured by Return on Assets (ROA). Credit risk shows a negative and significant effect on profitability. And bank capital has a positive and significant effect on profitability. Meanwhile, liquidity risk has no significant effect on profitability. Simultaneously, the variables of credit risk, liquidity risk and capital have an effect of 90.17% on profitability. The remaining 9.83% was influenced by other factors not examined in this study

scholarly journals Faktor-Faktor yang Mempengaruhi Penyaluran Kredit pada Bank Umum Periode 2008-2012

2015 ◽  
Vol 6 (2) ◽  
pp. 81
Author(s):  
Diana Hasyim
Keyword(s):  
Path Analysis ◽  
Commercial Bank ◽  
T Test ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
The Third ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Indirect Impact

This research purposes to understand the direct and indirect impact of ‘Third Party Funds’, ‘Non Performance Loan’, ‘Return On Assets’ and ‘Capital Adequacy Ratio’ to Banking Lending. Population of the research is ‘go public’ commercial bank in Indonesia in which 23 of them taken as sampel of research which were selected purposively based on the assumption that they became ‘go public’ in the period of 2008-2012. Whereas, the data analyzed by path analysis technique, while both ‘t-test’ and ‘correlation test’ were used in testing of hypothesis. Then, the finding shows that both variable of ‘third party funds’ and ‘return on assets’ impact significantly to ‘Capital Adequacy Ratio’. Furthermore, the ‘Third Party Funds’ and ‘return on assets’ impact positively to the Banking Lending, while Non-Performance Loan and Capital Adequacy Ratio impact significant negatively to Banking Lending

scholarly journals ANALISIS KOMPARASI KINERJA KEUANGAN BPR MILIK SWASTA DAN BPR MILIK PEMERINTAH DAERAH DI PROVINSI JAWA TENGAH PERIODE 2014-2016

2019 ◽  
Vol 8 (1) ◽  
pp. 57
Author(s):  
Widya Prananta ◽  
Yulianti Yulianti ◽  
Anita Damajanti
Keyword(s):  
Sample Selection ◽  
T Test ◽  
Capital Adequacy ◽  
Regional Government ◽  
Return On Assets ◽  
Operating Income ◽  
Central Java ◽  
Capital Adequacy Ratio ◽  
Independent Test ◽  
Central Java Province

This study aims to analyze the Differences in Performance of Private Owned Rural Banks and Local Government-Owned Rural Banks in Central Java Province by using financial performance ratios namely Non Performing Loans (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR). ), Earning Assets Quality (KAP), Operating Income Operating Expenses (BOPO) and Return on Assets (ROA). The method used to analyze the data is the Different Test using the Independent T test. This study used the SPSS Version 19. Analysis tool.The population used in this study was BPR in Central Java. The sample of this study is the Rural Bank owned by the Central Java Regional Government and the Private Rural Banks in Central Java Province. Sample selection using purposive sampling. Based on the Independent Test of the T test, there are differences in the NPL and KAP ratios between the Regional Government-owned BPR and the Private BPR, while there are no differences in the CAR, LDR, BOPO and ROA ratios.

scholarly journals Kinerja Perusahaan Perbankan (Studi Perbandingan Dua Periode Krisis di Indonesia)

2016 ◽  
Vol 2 (1) ◽  
pp. 63-72
Author(s):  
Nurhayani Lubis
Keyword(s):  
Stock Returns ◽  
Economic Crisis ◽  
Stock Return ◽  
T Test ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Abstract: The purpose of this study was to determine whether there are differences in the Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Return on Assets (ROA), Operating Expenses to Operating Income (ROA), Loan to Deposit Ratio (LDR), and stock returns in the two periods of crisis in Indonesia. Namelyin 1997and 2008.The sample inthis study are allfromthe1993-2010bankingcompany. There are fourhypothesesto be testedin this study. This study using t test SPSS to analyzed data. Keywords: Economic Crisis, Stock Return, CAR, NIM, ROA, BOPO, LDR

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