scholarly journals Kinerja Keuangan Entitas Multifinance: Determinasi Non Performing Loan dan Capital Adequacy Ratio Terhadap Profitabilitas

2021 ◽  
Vol 8 (2) ◽  
pp. 102-109
Author(s):  
Andi Riyanto ◽  
Galih Raspati ◽  
Yuri Rahayu ◽  
Yuyun Yuniati
Keyword(s):  
Capital Adequacy ◽  
Return On Assets ◽  
Ex Post ◽  
Capital Adequacy Ratio ◽  
Ex Post Facto

Pada perusahaan pembiayaan, profit merupakan hal mutlak untuk diperoleh agar dapat mempertahankan kontinuitas operasional perusahaan. Oleh karena itu, tujuan utama perusahaan yaitu meningkatkan profitabilitas  agar dapat menghasilkan keuntungan yang maksimal. Dalam menjalankan usaha dan aktivitasnya, perusahaan tidak lepas dari masalah kredit bermasalah atau Non Performing Loan (NPL) dan permodalan atau Capital Adequacy Ratio (CAR) yang mempengaruhi profitabilitas, artinya perusahaan harus mampu meningkatkan profitabilitas, menekan NPL dan menerapkan kriteria CAR. Tinggi rendahnya rasio NPL dan CAR mempunyai impak terhadap besar kecilnya profitabilitas. Metode penelitian yang digunakan adalah metode penelitian ex post facto dengan pendekatan kuantitatif. Data yang digunakan adalah data keuangan tentang kredit bermasalah dengan total kredit, modal dengan Aktiva Tertimbang Menurut Risiko (ATMR) dan profitabilitas atau Return On Assets (ROA) dengan membandingkan laba setelah pajak dengan total aset pada laporan keuangan 2012-2019. Teknik pengujian menggunakan uji statistik. Hasil penelitian yang didapatkan menyatakan bahwa NPL dan CAR berpengaruh secara simultan terhadap tingkat profitabilitas pada PT. Adira Dinamika Multi Finance, Tbk.

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

PENGARUH RETURN ON ASSETS (ROA) DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP HARGA SAHAM PADA BANK UMUM SWASTA NASIONAL DEVISA YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) PERIODE 2014-2018

2020 ◽  
Vol 3 (1) ◽  
Author(s):  
Ayu Rahayu ◽  
Palupi Permata Rahmi
Keyword(s):  
Capital Adequacy ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio

Harga saham merupakan salah satu indikator keberhasilan pengelolaan perusahaan dimana kekuatan pasar di dalam pasar bursa ditunjukan dengan adanya transaksi jual beli saham di pasar modal. Sehingga prestasi yang didapatkan perusahaan dilihat dari perkembangan jual beli yang dibentuk di dalam laporan keuangan. Pada Bank Umum Swasta Nasional Devisa yang terdaftar di Bursa Efek Indonesia (BEI) Periode 2014-2018 harga saham mengalami fluktuatif. Dimana pada setiap bank di beberapa tahunnya ada yang mengalami kenaikan dan ada juga yang mengalami penurunan. Selama Periode pengamatan data laporan keuangan perusahaan yang telah di audit. Metode penelitian yang digunakan adalah metode kuantitatif dengan pendekatan deskriptif dan verifikatif. Jenis data sekunder dan teknik pengumpulan data melalui dokumentasi. Populasi di dalam penelitian ini adalah Bank Umum Swasta Nasional Devisa yang terdaftar di Bursa Efek Indonesia (BEI), sepanjang tahun 2019 ada 23 bank dan sampel penelitian, yaitu 4 bank dengan menggunakan teknik purposive sampling. Analisis yang digunakan yaitu analisis deskriptif, uji asumsi klasik, uji regresi linear berganda, dan uji hipotesis baik secara parsial dan simultan. Hasil penelitian ini menunjukan bahwa (1) Harga saham (Y) cenderung menurun dengan rata-rata (mean) sebesar 606,10 persen, (2) Return On Asset (ROA) (X1) cenderung meningkat dengan rata-rata (mean) sebesar 1,4790 persen, (3) Capital Adequacy Ratio (CAR) (X2) cenderung meningkat dengan rata-rata (mean) 18,3950 persen, (4) Secara parsial, Return On Asset (ROA)

scholarly journals Analisis Faktor Determinan Return on Asset pada Bank BUMN yang Terdaftar di Bursa Efek Indonesia

2019 ◽  
Vol 8 (2) ◽  
pp. 107-122
Author(s):  
Muhammad Shareza Hafiz ◽  
Radiman Radiman ◽  
Maya Sari ◽  
Jufrizen Jufrizen
Keyword(s):  
Data Analysis ◽  
Stock Exchange ◽  
Financial Statements ◽  
Research Data ◽  
Capital Adequacy ◽  
Research Approach ◽  
Return On Assets ◽  
Analysis Techniques ◽  
Capital Adequacy Ratio ◽  
Exchange Data

This study aims to analyze the effect of Non-Performing Loans (NPLs), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR), simultaneously on Return on Assets (ROA) on BUMN Banks listed on the Indonesia Stock Exchange either partially and simultaneously. The research approach used in this study uses an associative approach. This research was conducted at the Indonesia Stock Exchange (IDX) specifically Bank BUMN listed on the Indonesia Stock Exchange (IDX). The population used in this study was state-owned Bank companies listed on the Indonesia Stock Exchange (IDX) which amounted to 4 companies. Based on the sample withdrawal criteria above, a research sample of 4 BUMN bank companies was obtained. The type of data used is documentary data, which are research data in the form of financial statements owned by state-owned banks listed on the Indonesia Stock Exchange. Data analysis techniques are used to test the effect of Non-Performing Loans (NPLs), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) to Return on Assets (ROA) either partially or simultaneously is multiple linear regression. The results showed that partially Non Performing Loans (NPL) and Capital Adequacy Ratio (CAR) had a negative and not significant effect on Return on Assets. Partially, Loan to Deposit Ratio (LDR) has a negative and significant effect on Return on Assets. And simultaneously, Non Performing Loans, Capital Adequacy Ratio and Loan to Deposit Ratio have a significant effect on Return on Assets (ROA) at State-Owned Banks listed on the Indonesia Stock Exchange.  

scholarly journals PENGARUH KELOMPOK MANAJEMEN PUNCAK TERHADAP FINANCIAL DISTRESS : STUDI KASUS PADA PERUSAHAAN PERBANKAN DI INDONESIA

2019 ◽  
Vol 5 (2) ◽  
pp. 88
Author(s):  
Moh. Baqir Ainun
Keyword(s):  
Financial Distress ◽  
Stock Exchange ◽  
Control Variable ◽  
Capital Adequacy ◽  
Top Management ◽  
Return On Assets ◽  
Operating Income ◽  
Management Group ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

This study aims to identify the influence between top management related to financial distress. This study uses data of banking who listed on the Indonesia Stock Exchange in 2016. The data analysis technique in this research using multiple regression analysis method with the control variable; Return on Assets (ROA), Operational Costs to Operating Income (BOPO), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Cash Ratio (CR). The study discusses to support the stewardship theory that considers the top management group to have a mandate to the shareholders to manage the company and maintain the organization. However, the differences in the structure of the top management group will not affect their motivation to avoid financial stress. The results showed that the top management group had no significant effect on financial distress. This result is also shown the condition and structure of the top management group in the company still has the same goal which is to avoid financial distress.

scholarly journals PENGARUH FDR, NPF, CAR, DAN BOPO TERHADAP ROA PADA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS)

2021 ◽  
Vol 1 (2) ◽  
pp. 145-157
Author(s):  
Nurul Ichsan Hasan ◽  
R. Rizny Anindya Reswanty
Keyword(s):  
Regression Analysis ◽  
Computer Program ◽  
Multiple Regression Analysis ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Microsoft Excel ◽  
Operating Income ◽  
Operational Costs ◽  
Capital Adequacy Ratio

This study analyzes the influence Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operational Costs and Operating Income Against Return On Assets (ROA) BPRS in Indonesia Period from 2010-September 2017. The data used in this study is. Sampling technique used in this research is purposive sampling. The method of analysis used in this study is Multiple Regression Analysis using the computer program Eviews Software version 9 and Microsoft Excel 2013. The results in this study show that Financing to Deposit Ratio (FDR), Non Performing Finance (NPF), Capital Adequacy Ratio  (CAR), and BOPO simultaneously have a significant effect on Return On Asset (ROA). Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) partially do not have a significant effect on Return On Aset (ROA).

scholarly journals Comparative Health Analysis of the National Bank, Joint Venture Banks and Foreign Banks in Indonesia

2020 ◽  
Author(s):  
Dudi Rudianto
Keyword(s):  
Joint Venture ◽  
Capital Adequacy ◽  
The Other ◽  
Foreign Banks ◽  
Return On Assets ◽  
A Value ◽  
Capital Adequacy Ratio ◽  
Bargaining Position ◽  
National Bank

The Risk-Based Bank Rating approach (RBBR) is used to determine the health of banks in Indonesia, both for national banks, joint venture banks and foreign banks. This approach uses five (5) proxies, i.e. Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Net Interesr Margin (NIM), and the Capital Adequacy Ratio (CAR). The overall result of the 5 (five) variables studied show that national banks are healthier than the other two types of banks, namely venture banks and foreign banks, because the national bank has a value beyond the provisions of Bank Indonesia. The partial variable LDR consistently varies significantly between national banks, joint venture banks and foreign banks. The LDR of joint venture banks and foreign banks is higher than the national bank. These conditions indicate that the bargaining position of joint venture banks and foreign banks in serving the needs of public borrowing is much higher than the national bank, which results in increasing the ability of both types of banks in generating profit. Simultaneously throughout the study variables was significantly different among the national banks, joint venture banks and foreign banks..  

scholarly journals PENGARUH KINERJA KEUANGAN TERHADAP HARGA SAHAM PERUSAHAAN PERBANKAN BUMN DI BURSA EFEK INDONESIA PERIODE TAHUN 2010-2017

2019 ◽  
Vol 5 (2) ◽  
Author(s):  
Defry Wijaya Rimba ◽  
Muthia Harnida
Keyword(s):  
Financial Performance ◽  
Stock Prices ◽  
Stock Price ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Profit Margin ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Price Earnings Ratio

Abstract: The aim of this research is to examine the effect of financial performance on the stock prices of state-owned (BUMN) banking companies in the Indonesian Stock Exchange for the period 2010-2017.The financialperformance consists of Non Performing Loans, Return on Assets, Capital Adequacy Ratio, Price Earning Ratio, and Net Profit Margin. The analysis in this study  used the multiple linier regression with 32 observations. Simultaneously all variables affect the stock price of Banking Companies of BUMN that listed on the  Indonesian Stock Exchange  for the period of 2010-2017. But partially, the variables which affect the stock price are  only Return On Assets, Capital Adequacy Ratio, and Net Profit Margin.  Whereas the variable of  Non Performing Loans and Price Earning Ratio do not affect the stock price of Banking Companies of BUMN  in the Indonesian Stock Exchange for the period of 2010 until 2017 Keywords: Performance, Non Performing Loans, Return On Assets, Capital Adequacy Ratio, Price Earning Ratio, Net Profit Margin, Stock Price Abstrak: Tujuan penelitian ini adalah untuk menguji pengaruh kinerja keuangan terhadap harga saham pada perusahaan perbankan BUMN yang terdaftar di Bursa Efek Indonesia untuk periode 2010-2017. Kinerja keuangan yang diuji meliputi Non performace Loans (NPL), Return on assets (ROA), CapitalAdequacy Ratio (CAR), Price Earnings Ratio(PER),dan Net Profit Margin (NPM). Hasil penelitian dengan menggunakan analisis regresi linier berganda,dengan sampel sebanyak 32 observasi menunjukkkan hasil bahwa secara simultan semua variabel yang terdiri dari Non performace Loans (NPL), Return on assets (ROA), CapitalAdequacy Ratio (CAR), Price Earnings Ratio(PER),dan Net Profit Margin (NPM)  berpengaruh terhadap harga saham . Sedangkan secara parsial variabel yang berpengaruh terhadap harga saham adalah return on assets (ROA), CapitalAdequacy Ratio (CAR), dan Net Profit Margin (NPM), sementara Non Performing Loans (NPL) dan Price Earnings Ratio (PER) secara statistik tidak berpengaruh terhadap harga saham perusahan perbankan BUMN yang terdaftar di Bursa Efek Indonesia untuk periode pengamatan 2010-2017 Kata kunci : Kinerja, Non Performing Loans, Return On Assets, Capital Adequacy Ratio, Price Earning Ratio, Net Profit Margin, harga saham

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.

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