scholarly journals Kinerja Kesehatan Bank Pembangunan Daerah Indonesia Dengan Chow Test dan Hausman Test

2020 ◽  
Vol 4 (1) ◽  
pp. 334-344
Author(s):  
Yusnita Octafilia ◽  
Putu Rani Susanthi ◽  
Evelyn Wijaya
Keyword(s):  
Capital Adequacy ◽  
Financial Ratios ◽  
Return On Assets ◽  
Hausman Test ◽  
Return On Equity ◽  
Operating Income ◽  
Chow Test ◽  
Net Interest Margin ◽  
Regional Bank ◽  
Regional Banks

Regional Bank is a commercial bank whose shares owned by the provincial government. So that, the Regional Bank plays indirectly a very large role in regional development. However, these Regional Banks have not contributed significantly to the development of their respective regions. From this description, this study aims to analyze the health performance of Regional Banks after the global economic crisis in 2008 using the Chow Test and the Hausman Test. This study has a population of 26 Regional Banks and a sample of 25 banks which are selected using purposive sampling. The result showed that from their financial ratios, Regional Banks tend to be in very healthy condition. Based on the research period from 2009 to 2019, the Regional Banks also shows results that tend to be very healthy. In terms of financial ratios and research period, the Loan to Deposit ratio tends to show fairly healthy results. Both of these results are supported by adjusted R2 using the Chow Test and Hausman Test of 0.86 which means that all of these financial ratios have an effect of 86% with details that Capital Adequacy Ratio, Net Performing Loan, Net Interest Margin, and Loan to Deposit Ratio has a significant positive effect, while Return on Equity has positive and insignificant effect and Operational Cost of Operating Cost of Operating Income has a significant negative effect on Return on Assets. Keywords: Regional Banks, Capital Adequacy Ratio, Non-Performing Loan, Return on Assets, Return on Equity, Net Interest Margin, Operational Cost of Operating Income, Loan to Deposit Ratio, Chow Test, and Hausman Test.  

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%.

scholarly journals Analisis Faktor Spesifik Bank Terhadap Non Performing Loan Pada Bank Umum Konvensional Yang Terdaftar Di Bursa Efek Indonesia

Owner ◽  
2022 ◽  
Vol 6 (1) ◽  
pp. 43-55
Author(s):  
Meily Juliani
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Return On Equity ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Specific Factors ◽  
Conventional Banks ◽  
Interest Margin

The purpose of this research is to analyze the effect of bank specific factors on non-performing loan on public conventional banks. The dependent variable studied was the non-performing loan and independent variables examined were capital adequacy ratio, bank size, loan to deposit ratio, net interest margin, return on equity, operating expenses to operating income, and earning per share.  The secondary data obtained from the annual reports submitted in the IDX. Sample consist of 32 public conventional banks listed in IDX in the period of 2012-2017. The result of this study indicate that bank size and net interest margin has a positive and significant impact on non-performing loan. While return on equity showed a negative and significant impact on non-performing loan. The result of this study also showed that capital adequacy ratio, loan to deposit ratio, operating expenses to operating income and earning per share did not have any significant impact on non-performing loan.

scholarly journals DAMPAK FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PROFITABILITAS PERBANKAN (Studi pada Bank Konvensional di Indonesia Periode Januari 2012 - Januari 2019)

2019 ◽  
Vol 11 (03) ◽  
pp. 121-137
Author(s):  
Silvia Hendrayanti ◽  
Wachidah Fauziyanti ◽  
Eni Puji Estuti
Keyword(s):  
Firm Size ◽  
Capital Adequacy ◽  
Operating Costs ◽  
Return On Assets ◽  
Operating Income ◽  
The Public ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Conventional Banks ◽  
Interest Margin

The bank is one of the financial institutions which has the activity of collecting funds from the public in the form of deposits and channeling them to the public in the form of credit or other forms in order to improve the lives of many people. The purpose of the banking business is to make a profit. Banking profitability is one of the most important indicators in determining the success of a bank and can be used as a basis for banking policies and strategies in the coming period. The purpose of this study was to examine the effect of Operating Costs on Operating Income (BOPO), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Firm size, and inflation on Return on Assets (ROA). The population in this study is the Conventional Banks in Indonesia in the period January 2012-January 2019. The sample selection using the purposive sampling method with the criteria for the monthly financial statements of all conventional banks in Indonesia during the observation period January 2012-January 2019 has been published by Bank Indonesia. The number of samples used in this study were 85 samples. In this study the research methods used descriptive analysis, Classical Assumptions (Normality, nonautocorrelation, Multicollinearity, Heteroscedasticity), multiple regression model analysis, hypothesis testing (z-statistic test, F-statistic test, and coefficient of determination (R2) test). The results of this study found that Operating Costs to Operating Income (BOPO) had a negative and significant effect on Return On Assets (ROA), Capital Adequacy Ratio (CAR) and Net Interest Margin (NIM) had a negative and significant effect on Return on Assets (ROA) ), Loan to Deposit Ratio (LDR) has a positive but not significant effect on Return On Assets (ROA), Firm size and inflation have a negative and significant regression coefficient on Return On Assets (ROA).

scholarly journals Analisis pengaruh rasio kinerja keuangan terhadap profitabilitas bank pembiayaan rakyat syariah di indonesia

2018 ◽  
Vol 22 (1) ◽  
Author(s):  
Ahmad Azmy
Keyword(s):  
Financial Performance ◽  
Multiple Regression Model ◽  
Capital Adequacy ◽  
Performance Ratio ◽  
Operating Expense ◽  
Return On Assets ◽  
Return On Equity ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Ratio Variables

This research analyzes about the influence of financial performance ratio to profitability of Rural Bank of Sharia in Indonesia. Financial performance ratio variables are proxied by the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Income Operating Expenses (BOPO). Profitability ratio is proxied with Return on Assets (ROA) and Return on Equity). The method used is Lin-Log Logarithm Transformation on Multiple Regression model. The results explain that the Capital Adequacy Ratio (CAR) ratio has no effect and the direction of negative moving relation to ROA and ROE. Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) ratios have a negative moving influence and direction towards ROA and ROE. Operating Expense and Operating Revenue Ratios have a significant influence. Direction of negative moving relation to Return on Assets (ROA) and positive to Return on Equity (ROE). This study found that the profitability of Sharia Rural Banks in Indonesia (BPRS) is influenced by the level of problem financing, proper allocation of financing, and the balance of operational efficiency.

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 GOAL PROGRAMMING SEBAGAI DECISION SUPPORT SYSTEM TINGKAT KESEHATAN BANK PT BANK BUKOPIN, TBK

BISMA ◽  
2017 ◽  
Vol 11 (2) ◽  
pp. 209
Author(s):  
Aprilia Sintya Dewi ◽  
Hadi Paramu ◽  
Tatok Endhiarto
Keyword(s):  
Goal Programming ◽  
Priority Setting ◽  
Programming Model ◽  
Capital Adequacy ◽  
Return On Equity ◽  
Operating Income ◽  
Health Level ◽  
Net Interest Margin ◽  
Goal Programming Model ◽  
Asset Quality

Abstract: This research aimed to analyze the changes in several objective priorities as the banking targets in the decision making process. The research applied goal programming model and based on the experiments on the financial data or ratios. The objective functions of the research were the ratios used to asses bank health level, namely: capital, Capital Adequacy Ratio (CAR), asset quality, Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Operational Cost compared to Operating Income (BOPO) and Loan to Deposit Ratio (LDR). Results show that only capital and LDR targets achieved predominantly on a variety of priority setting. While the targets of CAR, asset quality, ROE, and NIM are not achieved predominantly on a variety of priority setting. Keywords: Capital, CAR, Asset Quality, ROA,ROE, NIM, BOPO, LDR, Financial Health Level.

scholarly journals Pengaruh Net Interest Margin, Return On Equity, Return On Asset, Capital Adequacy Ratio terhadap Price Book Value Pada Bank Umum di Indonesia

2021 ◽  
Vol 6 (1) ◽  
Author(s):  
Yusuf Iskandar
Keyword(s):  
Stock Exchange ◽  
Analysis Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Return On Equity ◽  
Book Value ◽  
Service Companies ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Economic development in Indonesia can have an influence on companies, especially service companies such as banks. Seeing the development of service companies such as banks that continue to fluctuate, this can have an impact on the performance of banking companies on the price book value, therefore a study aimed at examining the effect of net interest margin, return on equity, return on assets and capital adequacy ratio can be carried out against the price book value at commercial banks in Indonesia. The analytical tool in this study using multiple regression analysis. Data analysis was carried out on banking companies listed on the Indonesian stock exchange in 2016 - 2018. As many as 15 banks that met the criteria as the study population, all members of the population were used as the research sample. The results of this study indicate that the net interest margin has a significant effect on the price book value, the return on equity has a significant effect on the price book value, the return on assets has a significant effect on the price book value and the capital adequacy ratio has a significant effect on the price book value.

scholarly journals Kinerja Keuangan Sebelum dan Sesudah Penerapan Good Corporate Governance pada PT. Bank Pembangunan Daerah Bali

2020 ◽  
Vol 30 (7) ◽  
pp. 1750
Author(s):  
Ida Bagus Odi Rezky Saputra ◽  
Ni Made Dwi Ratnadi
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Study Data ◽  
Capital Adequacy ◽  
Literature Study ◽  
Return On Assets ◽  
Return On Equity ◽  
Operating Income ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

This research is in the form of observations on PT Bank Pembangunan Bali which has implemented Good Corporate Governance. The data collection method uses documentation study data and literature study. This is intended to obtain a clearer picture in order to solve the problem under study. Analysis of the data used includes an analysis of financial performance based on liquidity ratios, profitability and solvency. The results of this study indicate an increase in financial performance after the implementation of Good Corporate Governance when viewed using Return on Assets, Operating Expenses / Operating Income, Capital Adequacy Ratio, Non-Performing Loans. Meanwhile, if viewed through the ratio of Loan to Deposit and Return on Equity the study found a decrease in performance after the implementation of Good Corporate Governance. Keywords: Good Corporate Governance; Financial Performance; Bank.

scholarly journals Critical Mass in the Boardroom of Croatian Banks

2017 ◽  
Vol 12 (1) ◽  
pp. 22-37 ◽  
Author(s):  
Tomislava Pavic Kramaric ◽  
Marko Miletic
Keyword(s):  
Critical Mass ◽  
Gender Diversity ◽  
Capital Adequacy ◽  
Board Structure ◽  
Return On Assets ◽  
Return On Equity ◽  
Management Board ◽  
Net Interest Margin ◽  
Critical Mass Theory ◽  
Supervisory Boards

AbstractThis paper investigates the influence of gender diversity in the boardroom of Croatian banks on their performance. Specifically, we deal with both management and supervisory boards. Moreover, based on critical mass theory, the authors try to find out what constitutes critical mass. Using a static panel analysis on a sample of all commercial banks that operated in the period 2002-2014, three models were estimated with return on assets (ROA), return on equity (ROE) and net interest margin (NIM) as dependent variables. Board structure variables include gender of the chairperson, size of the board, share of women on the board and four dummy variables constructed on critical mass theory, specifically uniform group, skewed group, tilted group and balanced group. Other controls employed in the model include capital adequacy, the growth rate of assets at the bank level, ownership, age and a crisis dummy. The main finding is that when a critical mass of 20%-40% of women on the management board has been reached, bank performance improves.

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.

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