scholarly journals ANALISIS TINGKAT KESEHATAN BANK PADA PT. BANK PERKREDITAN RAKYAT (BPR) JORONG KAMPUANG TANGAH PARIAMAN CABANG PADANG

2018 ◽  
Author(s):  
Yora Aprilia Putri ◽  
Doni Marlius
Keyword(s):  
Health Data ◽  
Capital Adequacy ◽  
Validity Assessment ◽  
Health Level ◽  
Capital Adequacy Ratio ◽  
Level Analysis

The purpose of this study is to determine the level of bank health at PT. Bank Perkreditan Rakyat (BPR) Jorong Kampuang Tangah Pariaman Cabang Padang that should be done by the bank in minimizing problems that occur. This research focused on: Analysis of Bank Health Level At PT. Bank Perkreditan Rakyat (BPR) Jorong Kampuang Tangah Pariaman Cabang Padang. The result of this research is Bank Health Level Analysis of PT. BPR-JKT Pariaman Cabang Padang which can be seen in several process stages from the level of health, data or file validity assessment, CAMEL analysis that is, analysis of Capital Adequacy Ratio (CAR) which decreased by 2015 by 15% and decrease in 2016 by 11% due to no decrease or increase in capital, while the CAR of 2015-2016 is above the BI standard of 8% which means healthy. Ratio of BPR-JKT Cabang Pariaman Padang is under 10.35% in healthy category, as well as ROA owned in healthy condition while Ratio LDR PT. BPR-JKT Pariaman Cabang Padang is not in the healthy category by 2015-2016 the bank can not keep LDR below 94.75%.

scholarly journals Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Risk-Based Bank Rating (RBBR) (Studi Pada Bank yang Termasuk Saham LQ45 Sub Sektor Perbankan Tahun 2010–2016)

2018 ◽  
Vol 10 (1) ◽  
Author(s):  
Bobby Wijaya
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Self Assessment ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Health Level ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

This paper seeks to find out the health level of banks in Indonesia Stock Exchange LQ45 Index. It used descriptive methods with qualitative approach that is Risk Based Bank Rating (RBBR) model. RBBR model consists of 4 factors among others: risk profile, good corporate governance (GCG), earnings and capital factor.The analytical tool used in this study is the assessment of the level of health of banks in Indonesia Stock Exchange LQ45 Index against the risk factor using the ratio of net performing loans (NPLs) and Loan to Deposit Ratio (LDR), a factor of corporate governance by using the self-assessment report of good corporate governance, the earnings factor using the ratio of return on assets (ROA) and net interest margin (NIM) and the factor of capital using the ratio of capital adequacy ratio (CAR). The results showed that there are several banks which have "Less Healthy", "Healthy Enough", "Pretty Good". Bank Mandiri, BRI and BNI received the predicate of "Pretty Good" in risk profile factor for liquidity risk, whereas Bank BTN received the predicate of "Healthy Enough". Also, Bank BTN received the predicate of "Healthy Enough" and "Pretty Good" in earnings factor specifically ROA and GCG factor. Keywords:Indonesia Stock Exchange LQ45 Index, Health Level of Banks, Risk Based Bank Rating (RBBR) Model.

scholarly journals ANALISIS KINERJA KEUANGAN PT. PAPUA TV DI JAYAPURA

2017 ◽  
Vol 2 (2) ◽  
Author(s):  
Risky Novan Ngutra ◽  
Elsyan Rienette Marlissa
Keyword(s):  
Financial Management ◽  
Capital Adequacy ◽  
Operational Cost ◽  
Operating Income ◽  
Financial Condition ◽  
Management Ability ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Using Data ◽  
Level Analysis

Research Objective to find out how much capital capability of PT.Papua TV. Jayapura., How much management ability of PT.Papua TV. Jayapura. How much acceptance ability of PT. Papua TV. Jayapura. How much Comparison of Operational Cost to Operating Income (BOPO) from PT.Papua TV. Jayapura. And How much Loan to Deposit Ratio (LDR) from PT.Papua TV. Jayapura. The method used is Camel model analysis using data of period 2010-2013. TV Health Level Analysis Results. Papua based on Camel Model that is (1). Capital Adequacy Ratio (CAR) approach for 2011 through 2013 Healthy Capital of Papua TV Capital (2) Net Profit Margin (NPM) approach, 2011 to 2013 Healthy Papua TV financial management (3) Return on Asset (ROA) , the financial condition of Papua TV in 2013 is healthy because the assets in question are still greater than the profit. (4) The Operational Cost Approach to Operational Income BOPO.Tahun 2013 BOPO Papua TV is 332.6 bigger than 95.92% which means the oparasional cost (5) Loan to Deposit Ratio (LDR) explains that the financial condition of Papua TV can not be measured healthy category or unhealthy because of PT. Papua TV is not a BUMD engaged in credit so that for LDR analysis can not be measured. Keywords: Financial performance, capital capability, management, revenue, and Operating Income

scholarly journals Assessment of Bank Health Level towards Profit Growth

2016 ◽  
Vol 8 (2) ◽  
pp. 133
Author(s):  
Antyo Pracoyo ◽  
Dita Putriyanti
Keyword(s):  
Corporate Governance ◽  
Banking Industry ◽  
Significance Test ◽  
Fixed Effect ◽  
Capital Adequacy ◽  
Capital Asset ◽  
Good Corporate Governance ◽  
Health Level ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

The objective of this research is to analyze the influence of Risk Based Bank Rating (RBBR) components to growth profit banking industry in Indonesia. The sample consists of Banks which categorized as Bank Umum Kegiatan Usaha (BUKU) 4 or Banks with capital asset over 30 billion IDR. The data gathered include the period of 2011 until 2013. Technique of analysis used for this research is multiple linier regression. This research has been analyzed with EViews 7.1 program, and during the significance test it indicated that fixed effect was the most appropriate method. The result of this research shows that Non Performing Loan have a negative and significant effect to growth profit. Loan to Deposit Ratio, Good Corporate Governance, Net Interest Margin, Capital Adequacy Ratio have a positive but no significant effect to growth profit.

scholarly journals The Effect of Financial Health Level on Increasing Profitability of Insurance Companies Listed on IDX Period of 2014-2018

2020 ◽  
Vol 3 (2) ◽  
pp. 120-125
Author(s):  
Mohamad Yusak Anshori ◽  
Ira Fasila ◽  
Ninnasi Muttaqiin
Keyword(s):  
Operational Efficiency ◽  
Capital Adequacy ◽  
Insurance Companies ◽  
Financial Health ◽  
Efficiency Ratio ◽  
Return On Assets ◽  
Health Level ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study was conducted to examine the effect of financial health level of insurance companies on their increasing profitability. It uses profitability as the dependent variable measured by Return on Assets (ROA) and the independent variable is financial health level measured by Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Operational Efficiency Ratio (BOPO). It is quantitative research in which the sample was taken using a purposive sampling method. It uses secondary data collected from the annual financial reports of insurance companies during the 2014-2018 period. There were 10 companies selected and the data were analyzed using multiple linear regression analysis techniques with the Statistical Product and Service Solution (SPSS) program version 23. The results show that three variables— such as Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and Net Interest Margin (NIM)—  have a positive effect on Return On Assets (ROA). On the contrary, the two variables such as Non-Performing Loans (NPL) and Operational Efficiency Ratio (BOPO) have no effect on Return on Assets (ROA).

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

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.

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%.

Basel Capital Adequacy Ratio Standard in The Light of Islamic Law Perspective

2016 ◽  
Vol 1 ◽  
pp. 308-317
Author(s):  
Adi Rahmanur Ibnu
Keyword(s):  
Financial Crises ◽  
Global Economy ◽  
Banking Sector ◽  
Islamic Law ◽  
Capital Requirements ◽  
Capital Adequacy ◽  
Minimum Capital ◽  
Capital Adequacy Ratio ◽  
Global Banking ◽  
Banking Development

Bank is one of the most important pillars of economy activities. However, banking sector has a real potential crisis threat. Alongside with the steady current global banking development, financial crises that have happened clearly affected global economy. Based on that situation, BIS (Bank for International Settlement) – an international financial standard setting organization, realizes the urgency to establishan international financial standard and supervision to anticipate future potential financial crises. This research aims to identify how Capital Adequacy Ratio Standard in Basel Capital Accord (II) based on Islamic law perspective. The research is conducted by analyzing Basel Capital Accord published by BIS. The research uses library research method to find out the aimed result. The focus is on the 1st pillar of Basel II publication that is Minimum Capital Requirements (CAR) policy. CAR, as an Islamic economics policy, will be analyzed using falāḥ approach. Falāḥ is an Islamic economics objective that consists of happiness, success, accomplishment or good luck concept. The earthly dimension of falāḥ has some parameters that can be used to analyze Islamic economics policy. Additionally, the Islamic fiqh maxim takes part in analyzing the policy. The maṣlaḥat concept in fiqh maxim approach shares aim with falāḥ concept in the sense that all of sharia law aims for success, happiness, eternal survival etc. The maṣlaḥat can be accomplished by extinguishing mafsadat or seizing maṣlaḥat. The maṣlaḥat aspect is essential to determine the compatibility Basel Capital Accord with jurisprudential maxim i.e harm must be dispelled (al-dharāru yuzāl). The conclusion results are, 1) Basel Capital Accord focuses on macro-prudential aspect in order to anticipate potential financial crises, 2) beneficial/interest (maṣlaḥat) aspects of the hereafter, cooperation principle, justice, fairness and the prohibition of exploitation are not the core value of Basel Capital Accord frame work, thus 3) the achievement of maslahat as intended by sharia i.e. jurisprudential maxim are not convincing. Therefore, 4) Basel Capital Accord as a regulation basis is not in line with jurisprudential maxim i.e harm must be dispelled (al-dharāru yuzāl).

Impacts of Financial Integration in the Asia Economic Community on Competitiveness of the Commercial Banks in Vietnam

2018 ◽  
Vol 34 (4) ◽  
Author(s):  
Nguyen Cam Nhung
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Financial Integration ◽  
International Standards ◽  
Capital Adequacy ◽  
Viet Nam ◽  
Economic Community ◽  
Industrial Policies ◽  
Capital Adequacy Ratio ◽  
Internet Economy

This paper assesses the impacts of financial integration in the Asia Economic Community (AEC) on the capacity of finance and provision of financial services of Vietnamese commercial banks. In recent years, Vietnamese commercial banks have achieved some successes as reflected in the growth indicators of operation scales, charter capital and total assets. However, under the pressure of integration, the capital adequacy ratio (CAR) fell slightly in 2016 resulting from the applying of the CAR calculation method to commercial banks in accordance with the new regulations towards step by step approaching international standards. Compared to other countries in the AEC, the capacity of finance and provision of financial services of the Vietnamese commercial banks remains low. As a result, it is necessary to carry out synchronous and drastic measures in the coming time to enhance the competitiveness of the Vietnamese commercial banks. Keywords Competitiveness, financial integration, AEC, commercial bank, Vietnam References [1] UNCTAD, World Investment Report 2018: Investment and New Industrial Policies, June 2018.[2] Cục Đầu tư nước ngoài, “Tình hình thu hút Đầu tư nước ngoài 8 tháng năm 2018”, 2018, http://fia.mpi.gov.vn/tinbai/6045/Tinh-hinh-thu-hut-Dau-tu-nuoc-ngoai-8-thang-nam-2018.[3] Google and Temasek, “e-Conomy SEA Spotlight 2017: Unprecedented growth for Southeast Asia’s $50B internet economy, 2017”, 2017.[4] Tô Thị Thanh Trúc, “Khu vực tài chính Việt Nam trong bối cảnh hội nhập tài chính ASEAN”, Tạp chí Phát triển Khoa học và Công nghệ, 19 (2016) Q1, 2016.[5] Phạm Xuân Hoan, Nguyễn Cẩm Nhung, Nguyễn Bích Thủy, “Ngân hàng TMCP Ngoại thương Việt Nam: Chủ động đón AEC”, Tạp chí Kinh tế và Dự báo, Số 2 tháng 1/2016.[6] Phạm Xuân Hoan, Nguyễn Cẩm Nhung, Nguyễn Bích Thủy, “Khả năng thích ứng của các ngân hàng thương mại Việt Nam khi tham gia hội nhập AEC”, Tạp chí Tài chính, Kỳ 1 tháng 12/2015 (622).[7] Trần Thị Vân Anh, “Ngân hàng Việt Nam trong tiến trình gia nhập Cộng đồng Kinh tế ASEAN”, Tạp chí Khoa học Xã hội Việt Nam, 4 (2016) 101.[8] Nguyễn Thị Diễm Hiền, “Một số vấn đề về ngân hàng thương mại khi Việt Nam gia nhập Cộng đồng Kinh tế Asean”, Tạp chí Phát triển Khoa học và Công nghệ, 19 (2016) Q1, 2016.[9] Blattner N., “Competitiveness of Banks”, Journal of Financial Economics, N.21 (1992).[10] PwC Growth Markets Centre, The Future of ASEAN - Time to Act Financial Services, 2018.

The Determinants of Capital Adequacy Ratio: The Case of the Vietnamese Banking System in the Period 2011-2015

2017 ◽  
Vol 33 (2) ◽  
Author(s):  
Ngoc Anh Nguyen
Keyword(s):  
Banking System ◽  
Precious Metals ◽  
Capital Adequacy ◽  
The Other ◽  
Total Asset ◽  
Data Set ◽  
Hand Size ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Positive Effect

The analysis of a data set of observation for Vietnamese banks in period from 2011 - 2015 shows how Capital Adequacy Ratio (CAR) is influenced by selected factors: asset of the bank SIZE, loans in total asset LOA, leverage LEV, net interest margin NIM, loans lost reserve LLR, Cash and Precious Metals in total asset LIQ. Results indicate based on data that NIM, LIQ have significant effect on CAR. On the other hand, SIZE and LEV do not appear to have significant effect on CAR. Variables NIM, LIQ have positive effect on CAR, while variables LLR and LOA are negatively related with CAR.

RASIO LIKUIDITAS, RENTABILITAS DAN SOLVABILITAS SEBAGAI ALAT UKUR KINERJA KEUANGAN PT. BANK NEGARA INDONESIA PESERO) Tbk

2015 ◽  
Vol 3 (1) ◽  
Author(s):  
Widodo Widodo
Keyword(s):  
Good Condition ◽  
Capital Adequacy ◽  
Average Value ◽  
Capital Adequacy Ratio ◽  
Solvency Ratio ◽  
Year 2013

Solvency Ratio in this case measured with storey;level of Capital Adequacy Ratio ( CAR), during range of time five year of Bank of BNI have average value of equal to 20,72% be at good condition, and every year reside in the above rule of Indonesia Bank that is 8 - 9,9%. Analysis of ratio Likuiditas, Rentability And Solvabiltas which have been studied, appreciable hence that storey;level of health of Bank of BNI during period of year 2009 up to year 2013 categorized as bank of Performance.

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