scholarly journals Pengaruh Rasio Kecukupan Modal, Likuiditas, Risiko Kredit dan Efisiensi Biaya Terhadap Profitabilitas Pada Bank Go Public

2020 ◽  
Vol 7 (1) ◽  
pp. 1-9
Author(s):  
Uli Wildan Nuryanto ◽  
Anis Fuad Salam ◽  
Ratih Purnama Sari ◽  
Dede Suleman
Keyword(s):  
Interest Rates ◽  
Deposit Insurance ◽  
Stock Exchange ◽  
Predictor Variable ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Bank Capital ◽  
Capital Adequacy Ratio ◽  
Interest Margins ◽  
Domestic Banks

Abstract - This increase in economic growth does not necessarily increase the profitability of banks in Indonesia. There are three fundamental problems that have been unearthed by the Deposit Insurance Corporation (LPS) for banks, among others, the first decline in bank interest rates continuously causing bank interest margins to thin. Second, the regulatory burden requires banks to set aside capital for additional bank capital reserves and thirdly the potential increase in the risk of non-performing loans due to global economic uncertainty and the uneven recovery of the domestic economy. For this reason, this research was conducted to find out how much profitability of domestic banks listed on the Indonesia Stock Exchange in the period 2014-2018 and also the relationship between internal predictors which, according to the review study, had a significant effect on profitability. The population in this study were 43 banks listed on the Indonesia Stock Exchange in the 2014-2018 period while the sample was 10 banks listed on the IDX with the largest number of assets according to Bank Indonesia using the purposive sampling method. The results showed a significant CAR, LDR, NPL and BOPO significantly influence ROA. While partially LDR, NPL and BOPO have a significant effect on ROA while CAR has no significant effect. The magnitude of the effect of the predictor variable on profitability using the coefficient of determination obtained by 74.2% while the remaining 25.8% is influenced by other variables outside this research model.Keywords: Capital Adequacy Ratio (CAR), Liquidity Ratio (LDR), Credit Risk (NPL), Operational Cost Efficiency (BOPO). Profitability (ROA).

scholarly journals MODAL, TINGKAT LIKUIDITAS BANK, NPL DAN PERTUMBUHAN KREDIT PERBANKAN INDONESIA

2019 ◽  
pp. 96
Author(s):  
Rahmat Setiawan ◽  
Ahmad Aziz Putra Pratama
Keyword(s):  
Firm Size ◽  
Stock Exchange ◽  
Multiple Linear Regression Model ◽  
Capital Adequacy ◽  
Bank Capital ◽  
Financial Report ◽  
Moderating Variables ◽  
Credit Quality ◽  
Capital Adequacy Ratio ◽  
Positive Effect

The purpose of this research is to examine the effect of bank capital on lending growth with moderation of liquidity level and credit quality of banking companies listed in Indonesia Stock Exchange (IDX). This study used multiple linear regression model and Moderated Regression Analysis (MRA). Data obtained from the company’s financial report published in 2010-2016 period. Dependent variable in this research is lending growth proxied with Net Loans Growth. Independent variable used bank capital proxied with Capital Adequacy Ratio (CAR). Moderating variables in this research used liquidity level proxied with liquidity ratio and credit quality proxied with non performing loan (NPL). In addition, controlling variable in this study is firm size proxied with logarithm of total assets. The results showed that bank capital has significant positive effect on lending growth, while the liquidity ratio strengthens positive effect of bank capital on lending growth and non performing loan mitigates positive effect of bank capital on lending growth.Keywords:capital adequacy ratio, firm size, liquidity ratio, net loans growth, non performing loan.

scholarly journals RASIO-RASIO KEUANGAN YANG BERPENGARUH TERHADAP NON PERFORMING LOAN (NPL) (Studi Bank Umum Konvensional Periode 2016-2018 di BEI)

2021 ◽  
Vol 9 (1) ◽  
pp. 30-37
Author(s):  
Shandy Marsono ◽  
Irwan Christanto Edy
Keyword(s):  
Stock Exchange ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Operating Income ◽  
Insignificant Effect ◽  
Operational Costs ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to determine financial ratios which include Return On Assets (ROA), Loan To Deposit Ratio (LDR), Operational Costs per Operating Income (BOPO), Net Interest Margin (NIM) and Capital Adequacy Ratio (CAR) against Non Performing Loans (NPL) at Conventional Commercial Banks that are Go Public which are listed on the Indonesia Stock Exchange in 2016-2018. This research is a quantitative descriptive study. The type of data used is secondary data obtained from www.bi.go.id and www.Idx.co.id. in the form of bank annual financial statements used as a sample with a time period of 3 years. While the sample of this study used purposive sampling method with certain criteria in order to obtain a sample of 14 banks. Based on the analysis method used, namely multiple linear regression which has passed the classical assumption test and hypothesis testing, the result is that partially Return on Assets (ROA) has a negative effect. significant, Loan To Deposit Ratio (LDR), Operational Costs per Operating Income (BOPO), and Capital Adequacy Ratio (CAR) have a negative and insignificant effect and Net Interest Margin (NIM) has a positive and insignificant effect on Non-Performing Loans (NPL). From the results of the analysis, the coefficient of determination is 0.240 or 24%. This means that the variables ROA, LDR, OEOI, NIM and CAR affect the NPL variable by 24%, while the rest is influenced by other variables outside of this study

scholarly journals ANALISIS PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PENGAMBILAN SAHAM PERBANKAN BUMN YANG TERDAFTAR DI BEI PERIODE 2010-2014

2020 ◽  
Vol 6 (2) ◽  
pp. 167
Author(s):  
Sanuri Sanuri ◽  
Desta Rizky Kusuma
Keyword(s):  
Interest Rates ◽  
Stock Returns ◽  
Stock Exchange ◽  
Hypothesis Test ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Data Regression ◽  
Independent Variable

This study aims to determine the influence of factors internal and external to the return of registered banking shares Indonesia Stock Exchange in 2010-2014. The population in this study were 4 BUMN bank companies registered in Indonesia Stock Exchange period 2010-2014 sampling techniques used is purposive sampling. obtained by 4 state-owned bank companies included in the independent variable criterion studied is Return On Assets (ROA), Capital Adequacy Ratio (CAR), Inflation Rate, and Rate of Interest Interest and the dependent variable studied is stock returns. Analysis Techniques used is Panel Data Regression and Hypothesis test using t-test. The results showed that both variables were simultaneously independent Return On Asset (ROA) has no effect on stock returns Partially the variables of the four independent variables are Return On Assets (ROA), Capital Adequacy Ratio (CAR), Inflation and Interest Rates are only Inflation and Interest rates that have a significant effect on stock returns. R-square value 33.42%.

scholarly journals Pengaruh Loan To Deposit Ratio, Capital Adequacy Ratio, Dan Non Performing Loan Terhadap Profitabilitas Perbankan Yang Terdaftar Di Bursa Efek Indonesia (BEI)

2021 ◽  
Vol 9 (2) ◽  
pp. 131-140
Author(s):  
Fanesha Fanesha ◽  
Nusa Muktiadji ◽  
Ganjar Hendrian
Keyword(s):  
Stock Exchange ◽  
Hypothesis Test ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Independent Variable ◽  
The Relationship

This study aims to determine how the influence of Loan to Deposit Ratio, Capital Adequacy Ratio and Non Performing Loans on Banking Profitability Listed on the Indonesia Stock Exchange (IDX) that occurs at PT Bank Central Asia Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank CIMB Niaga Tbk, PT Bank Negara Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) in 2014-2018. The data used in this study are quantitative data with secondary data sources derived from the financial statements of each bank. This research uses descriptive statistical analysis methods, inference analysis, classic assumption test, multiple linear analysis and coefficient of determination. Regression analysis is used to find out how the influence of independent variables on the dependent variable with a significance value of 5 percent. While the determination coefficient analysis is used to determine the relationship between the independent variable and the dependent variable. From the partial hypothesis test (T Test) that has been done by the author, it is obtained that the Loan to Deposit Ratio affects Return On Assets, Capital Adequacy Ratio has no effect on Return On Assets and Non Performing Loans has no effect on Return On Assets. For simultaneous hypothesis testing (Test F), the results obtained are that the independent variables namely Loan to Deposit Ratio, Capital Adequacy Ratio and Non Performing Loans simultaneously influence the Return on Assets.   Key words :     Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return On Asset (ROA).

scholarly journals Factor Affecting the Capital Adequacy Ratio of Banks Listed in Indonesia Stock Exchange

2021 ◽  
Vol 26 (1) ◽  
pp. 153
Author(s):  
Abdurrahman Setiawan, Susy Muchtar
Keyword(s):  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Bank Loan ◽  
Bank Capital ◽  
Loan Loss ◽  
Return On Equity ◽  
Loss Reserve ◽  
Capital Adequacy Ratio ◽  
Negative Effect

The purpose of this study is to conclude the factors that affect bank capital adequacy ratios. The sample used is 42 banks listed on the Indonesia Stock Exchange in 2015-2019. The analysis method used was panel data regression and using purposive sampling for the sampling technique. The independent variables in this study are loan loss reserves, return on equity, bank size liquidity ratio and loan ratio, and capital adequacy ratio is the dependent variable. The results show that bank size and the return on equity have a positive effect on capital adequacy ratio, while loan ratio has a negative effect on capital adequacy ratio. The liquidity ratio and loan loss reserve have no effect on the capital adequacy ratio. It is expected that the results of this study will provide a reference for companies to understand the factors that affect capital adequacy. Managerial implications: Banking companies are expected to increase the total number of assets held, increase return on equity and reduce bank loan ratios to avoid the risk of bad credit.

Analisis Pengaruh Kecukupan Modal, Efisiensi Operasional Dan Likuiditas Terhadap Profitabilitas Bank BUMN Di Bursa Efek Indonesia Periode 2009-2013

2017 ◽  
Vol 24 (1) ◽  
pp. 11-24
Author(s):  
Ayik Muh Al Hasny ◽  
Christin Berlinhan Oey
Keyword(s):  
Data Analysis ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Analysis Method ◽  
Efficiency Ratio ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Strong Relation

This study aims to examine the effect of the variables of Capital Adequacy Ratio (CAR), operational efficiency (ratio of operating expenses to operating income / BOPO) and liquidity (loan to deposit ratio / LDR) to profitability (return on assets / ROA)of state-owned bank in the Indonesia Stock Exchange in the period of 2009 -2013. There are four (4) samples in this research, which are: PT Bank Mandiri Tbk., PT Bank Rakyat Indonesia Tbk., PT Bank Negara Indonesia Tbk, and PT Bank BTN Tbk. Data analysis method used is multiple linear regression, after going through the classical assumption test to make sure there are no violations on multicolinearity, autocorrelation and heteroscedasticity. Based on the analysis, it is concluded that the variables CAR, BOPO and LDR, partially or simultaneously, significantly influences ROA of the state-owned bank in BEI. Of the three variables, it is proven that BOPO is the most dominant aspect that influences ROA. The coefficient of determination (R2) is of 0.795, means that the three variables have contributed to changes in the value of ROA of 79.5% and the contribution of other variables that are not observed in this study is 20.5%. While the value stimulant correlation coefficient (R) is 0.891 indicates that these three variables have a strong relation to the ROA of state-owned bank in BEI 2009-2013.

scholarly journals ANALYSIS OF THE EFFECT OF CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, AND FINANCING TO DEPOSIT RATIO ON PROFITABILITY: A CASE STUDY ON ISLAMIC COMMERCIAL BANKS IN INDONESIA

2021 ◽  
Vol 1 (1) ◽  
pp. 32-47
Author(s):  
Ema Muawanah ◽  
Imronudin Imronudin
Keyword(s):  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Independent Variables ◽  
Capital Adequacy Ratio

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on Profitability (Case Study on Islamic Commercial Banks in Indonesia). This research used secondary data in the form of Islamic Commercial Bank financial statements. The population in this study is Islamic Commercial Banks listed on the Indonesia Stock Exchange in 2016-2018. The sampling technique employed was purposive sampling. A sample of 3 banks was obtained. Multiple linear regression was used. Classical assumption analysis was done prior to data analysis. Hypothesis testing used t-test, F test, and the coefficient of determination (R2). The results of this study indicated that CAR has a positive and significant effect on profitability, NPF has a negative and significant effect on profitability and FDR has a negative and no significant effect on profitability. Meanwhile, the independent variables together have an effect on profitability. The result of the coefficient of determination test shows that 61.1% of the profitability of Islamic Commercial Banks in Indonesia is explained by the variables of CAR, NPF, and FDR, while the remaining 38.4% is explained by other variables outside the model.

scholarly journals The Effect of Capital Adequacy Ratio, Loan to Deposit Ratio, Operating-Income Ratio, Non Performing Loans, Net Interest Margin on Banking Financial Performance

eCo-Buss ◽  
2020 ◽  
Vol 2 (2) ◽  
pp. 1-10
Author(s):  
Refni Sukmadewi
Keyword(s):  
Financial Performance ◽  
Interest Rates ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
And Performance

The weak condition of the banking sector encourages those involved in conducting a bank health assessment. One of the parties is the investor because the better the bank's performance, the greater the security guarantee of the invested funds. By using financial ratios, investors can find out the performance of a bank that can be seen through various variables. The variable used as the basis for valuation is the financial statements of the companies concerned. Company performance can be measured by analyzing and evaluating financial statements. Information on financial position and performance in the past is often used as a basis for predicting financial position and performance in the future. Banking performance can be measured using average loan interest rates, average deposit interest rates, and bank profitability. The profitability measure used is return on assets (ROA) in the banking industry. Return on Assets (ROA) focuses the company's ability to obtain earnings in the company's operations. The reason for choosing Return on Assets (ROA) as a measure of performance is because Return on Assets (ROA) is used to measure the effectiveness of the company in generating profits by utilizing its assets. The greater ROA shows the better financial performance, because the greater the rate of return. This study aims to examine the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating-Income Expense Ratio (BOPO), Non Performing Loans (NPL), Net Interest Margin (NIM), and on Return on Assets (NIM) ROA) as the Financial Performance of Banking Companies Listed on the Indonesia Stock Exchange in 2016-2018. The data used in this study were obtained from the Annual Financial Statements of Banking Companies Listed on the Stock Exchange in 2016-2018. the samples used were 23 Banking Companies Listed on the IDX. The analytical method used is multiple linear regression. The results showed that the CAR, BOPO, NPL, NIM, and LDR variables had a positive and significant effect on Return on Assets (ROA). Thus the bank is expected to pay attention to the level of efficiency of its operations to increase profitability on its financial performance.

scholarly journals Pengaruh Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR), Non Performing Loan (NPL), and Net Interest Margin (NIM) terhadap Perubahan Laba

2017 ◽  
Vol 1 (02) ◽  
pp. 172-183
Author(s):  
Rita Dwi Putri
Keyword(s):  
Sampling Method ◽  
Stock Exchange ◽  
Multiple Linear Regression Model ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Test Results ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Study Population ◽  
Interest Margin

The study population was banking company listed on the Stock Exchange Year 2009-2014 as many as 39 companies. Sampling was done by sampling method and aim (purposive sampling) which is a technique of using a particular technique for sampling considerations. Data were analyzed using multiple linear regression model. Partial test results can be concluded that the LDR and NPL has an influence on changes in earnings. It can be seen from the value t count> t table so that the H2 and H3 accepted. CAR not significant effect on changes in earnings, while NIM has no influence on changes in earnings. Can be seen from t <t table then H1 and H4 is rejected. The level of the coefficient of determination which is owned by R2 = 0.233. This means that approximately 23.3% change in bank profits is affected by variable capital adequacy ratio (CAR), the loan to deposit ratio (LDR), non-performing loan (NPL), and the net interest margin (NIM) to changes in income. While about 76.7% influenced by other variables.

scholarly journals ANALISIS PENGARUH CAPITAL ADEQUACY RATIO TERHADAP RETURN ON ASSET

2019 ◽  
pp. 835
Author(s):  
Rahmawati Maulani
Keyword(s):  
Stock Exchange ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Test Results ◽  
Simple Linear Regression ◽  
Simple Correlation ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
The Subject ◽  
Moderate Relationship

             The purpose of this study is to analyze and determine the effect of the Capital Adequacy Ratio on Return On Assets. The subject of this research is one of the banks listed on the Indonesia Stock Exchange, namely. The object of this research is the Capital Adequacy Ratio and Return On Assets. The method used is associative descriptive with a quantitative approach and analyzed using simple linear regression including the test of the coefficient of determination and partial test (t test). The test results of the determination coefficient test are 0.182 which means that the effect of Capital Adequacy Ratio on Return On Asset is 18.2%, the remaining 81.8% is influenced by other factors. Based on a simple correlation coefficient test seen from the R value of 0.427. This shows that the level of the moderate relationship between CAR and ROA. Partially seen from the test t CAR (X) has a significant effect on ROA (Y) with t count of 2.585 and significant at 0.015

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