scholarly journals THE EFFECT OF NET INTEREST MARGIN (NIM) AND OPERATIONAL COSTS OF OPERATIONAL INCOME (BOPO) ON RETURN ON ASSETS (ROA) OF SHARIA BANKS

2019 ◽  
Vol 7 (2) ◽  
pp. 176-182
Author(s):  
Mardahleni Mardahleni ◽  
Wahmita Arsandi
Keyword(s):  
Commercial Bank ◽  
Financial Institution ◽  
Stock Exchange ◽  
Operational Cost ◽  
Return On Assets ◽  
Operating Income ◽  
Insignificant Effect ◽  
Significant Rate ◽  
Net Interest Margin ◽  
Interest Margin

Abstract Return On Asset is one of the most important ratios for any financial institution or company because it deals with the sustainability and stability of any financial institution or company. In addition, for measuring the company's ability to generate profits derived from investment activities. To generate a high profit per period, companies need to pay attention to all factors that affect Return on Assets. The purpose of this research is to find out (1) The effect of Net Interest Margin (NIM) on Return On Asset (ROA) (2) The effect of Operational Cost Of Operating Income on Return On Asset (ROA) (3) The effect on Net Interest Margin (NIM) and Operational Cost Of Operating Income on Return on Asset (ROA). The research that the writer conducted is on the Bank listed on the Indonesia Stock Exchange namely Syariah Commercial Bank Period 2014-2016. The population of this study is the financial statements of Syariah Commercial Banks listed on Indonesia Stock Exchange Period 2014-2016. The sample is financial report at Syariah Commercial Bank during period of 2014-2016. Sampling technique is purposive sampling, data collection using documentation, data analysis using multiple regression that is Y = 3.0170 + 0,040X1 + 0,005X2 + e indicate that Net Interest Margin has positive but insignificant effect with 0,773 and significant rate 0,452 (> 0,05 ). Operational Cost Of Operating Income cost has positive but insignificant effect with 0,865 and significant rate 0,401 (> 0,05). Net Interest Margin (NIM) and Operational Cost Of Operating Income simultaneously have positive but insignificant effect with coefficient of 0,194 and significant rate 0,198. Net Interest Margin (NIM) and Operational Cost Of Operating Income 19.4% the remaining 80.6% again influenced by other variables which is not included in this test.

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 RASIO KEUANGAN TERHADAP KINERJA BANK (Studi Kasus pada Perbankan yang Terdaftar di BEI Tahun 2011-2015)

2019 ◽  
Vol 2 (1) ◽  
Author(s):  
Munir Nur Komarudin
Keyword(s):  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Operational Cost ◽  
Return On Assets ◽  
Operating Income ◽  
Insignificant Effect ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Descriptive Method ◽  
Interest Margin

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR) terhadap Return On Asset (ROA); pengaruh Non Nerforming Loan (NPL) terhadap ROA; pengaruh Net Interest Margin (NIM) terhadap ROA; pengaruh biaya operasional pendapatan operasional (BOPO) terhadap ROA; pengaruh Loan to Deposit Ratio (LDR) terhadap ROA; pengaruh CAR, NPL, NIM, LDR, BOPO secara simultan terhadap ROA bank yang terdaftar di BEI tahun 2011-2015.Metode penelitian yang digunakan adalah metode deskriptif verifikatif.� Pengolahan data dalam penelitian ini menggunakan perhitungan statistik regresi linier berganda. Selanjutnya, untuk mengetahui besarnya pengaruh CAR, NPL, NIM, BOPO dan LDR terhadap ROA menggunakan analisis koefisien determinasi, keberartian koefisien regresi linier berganda diketahui dengan menggunakan uji t. Kemudian untuk mengetahu pengaruh secara simultan menggunakan uji f.Hasil penelitian menunjukkan bahwa CAR tidak berpengaruh terhadap ROA. NPL tidak berpengaruh terhadap ROA. NIM berpengaruh positif dan tidak signifikan terhadap ROA. BOPO berpengaruh negatif dan signifikan terhadap ROA. LDR tidak berpengaruh terhadap ROA. Secara simultan CAR, NPL, NIM, BOPO dan LDR berpengaruh secara signifikan terhadap ROA bank yang terdaftar di BEI tahun 2011-2015.��Kata kunci : ROA, CAR, NPL, NIM, BOPO, LDR�ABSTRACT�This study aims to determine the effect of Capital Adequacy Ratio (CAR) on Return On Assets (ROA); The effect of Non Nerforming Loan (NPL) on ROA; The effect of Net Interest Margin (NIM) on ROA; The effect of operational cost of operating income (BOPO) on ROA; The effect of Loan to Deposit Ratio (LDR) on ROA; The effect of CAR, NPL, NIM, LDR, BOPO simultaneously against the ROA of banks listed on the BEI 2011-2015.The research method used is descriptive method verifikatif. Data processing in this study using the calculation of multiple linear regression statistics. Furthermore, to know the effect of CAR, NPL, NIM, BOPO and LDR against ROA using coefficient of determination analysis, multi linier regression coefficient significance is known by using t test. Then to know the effect simultaneously using test f.The results showed that CAR had positive and insignificant effect on ROA. NPL has a negative and significant effect on ROA. NIM has a positive and insignificant effect on ROA. BOPO has a negative and significant effect on ROA. LDR has a positive and significant effect on ROA. Simultaneously CAR, NPL, NIM, BOPO and LDR have a significant effect on the ROA of banks listed in BEI 2011-2015.�Keywords: ROA, CAR, NPL, NIM, BOPO, LDR�

scholarly journals Financial Performance and Share Prices of Banks of State-Owned Enterprises in Indonesia

2020 ◽  
Vol 9 (2) ◽  
pp. 315
Author(s):  
Nureny Nureny
Keyword(s):  
Financial Performance ◽  
Stock Price ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Operational Cost ◽  
Return On Assets ◽  
Share Prices ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to examine the effect of financial performance, namely; Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA) and Operational Cost on Operational Income (BOPO) on stock price of state-owned Bank in Indonesia. The sample in the study is state-owned Bank registered at Indonesia Stock Exchange and still listed until 2018 namely; Bank Mandiri, Bank Negara Indonesia (BNI), Bank Tabungan Negara (BTN), and Bank Rakyat Indonesia (BRI). The collection of data is carried out by documentation technique. Technique employed in analyzing data is multiple regression analysis. The results found that (1) Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA) and Operational Cost on Operational Income (BOPO) simultaneously affect stock price of state-owned Bank in Indonesia. (2) Partially, NIM, NPL, LDR, ROA, BOPO variables have an insignificant effect on stock price of state-owned Bank that already have gone public on Indonesia Stock Exchange. While CAR has a significant influence on stock price of state-owned Bank that already have gone public on Indonesia Stock Exchange. This accordingly provides an indication that stock price of a state-owned Bank in Indonesia is not predominantly determined by its financial performance, but by public's trust in state-owned Bank concerned.

scholarly journals The Relationship Between Net Interest Margin and Return on Asset: Empirical Study of Conventional Banking in Indonesia

2021 ◽  
Vol 10 (3) ◽  
pp. 362
Author(s):  
Elen Puspitasari ◽  
Bambang Sudiyatno ◽  
Nur Aini ◽  
Gladis Anindiansyah
Keyword(s):  
Stock Exchange ◽  
Operating Cost ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Income Ratio ◽  
Negative Effect ◽  
The Relationship ◽  
Interest Margin

Purpose of this study is to examine the relationship between net interest margin and return on assets by placing the net interest margin as the mediating variables. This study uses a sample of banks listed on the Indonesia Stock Exchange for the period 2015 to 2018. Data used is panel data, with data analysis using path analysis. Results showed that the capital adequacy ratio and non-performing loan do not have effect with NIM. We find a statistically significant negative effect between operating cost/operating income ratio and loan to deposit ratio for the NIM. NPL do not have effect with ROA, while CAR, BOPO, and LDR have a negative effect with ROA. However, NIM is positively related to ROA. The important things from this paper that from sobel test results shown that the NIM mediates the relationship between BOPO and LDR to ROA.   Received: 21 January 2021 / Accepted: 10 March 2021 / Published: 10 May 2021

scholarly journals KEPEMILIKAN MANAGERIAL, RISIKO INTERNAL DAN EKSTERNAL, EFISIENSI DAN NET INTEREST MARGIN (NIM) DI BURSA EFEK INDONESIA

2019 ◽  
Vol 8 (2) ◽  
pp. 146
Author(s):  
Ardian Prima Putra
Keyword(s):  
Stock Exchange ◽  
Negative Influence ◽  
Managerial Ownership ◽  
Operating Income ◽  
Net Interest Margin ◽  
Number Of Factors ◽  
The Government ◽  
External Risk ◽  
Positive Effect ◽  
Interest Margin

This study aims to obtain empirical evidence of a number of factors that can affect the Bank's Net Interest Margin (NIM) on the Indonesia Stock Exchange (IDX) in 2010-2016. The factors that are thought to influence NIM in this study are managerial ownership, internal risk (non-performing loans (NPL)), external risk (inflation), and efficiency (operating expenses and operating income (BOPO)). This research is expected to be beneficial for bank shareholders in supervising and controlling bank management in managing NIM at the Bank, for management the bank can control the NIM at the bank, for the government to determine the bank's NIM policy appropriately, and for further research can add referrals in the field of banking research especially the NIM. This study uses multiple linear regression test, with the results simultaneously independent variables namely managerial ownership, non-performing loans, inflation, BOPO have a positive effect on Net interest Margin (NIM), while the partial test results (T-test) is variable NPL, inflation has a negative influence on the net interest margin (NIM) while the other variables do not have a bearing on the NIM. Keywords : Net Interest Margin, Managerial Ownership, Risk, Efficiency, IDX  

scholarly journals Pengaruh Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return on Assets, Loan To Deposit Ratio, dan Bank Size terhadap Harga Saham Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia

2021 ◽  
Vol 5 (5) ◽  
pp. 546
Author(s):  
Aries Santoso ◽  
Carunia Mulya Firdausy
Keyword(s):  
Significant Influence ◽  
Stock Price ◽  
Banking Sector ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to analyze the influence of Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return on Assets, Loan to Deposit Ratio, and Bank Size jointly and partially to Stock Price of banking sector company that listed on Indonesian Stock Exchange for period 2011-2018. This research used the purposive sampling method and obtained the 5 largest market capital banking sector companies as a sample. The analysis method used is multiple linear regression through SPSS 26 program. The results of this study show that Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, and Bank Size have significant influence to stock price. While Capital Adequacy Ratio, Non-Performing Loan, Loan to Deposit Ratio partially have significant influence on the stock price. Meanwhile, Net Interest Margin, Return On Asset, and Bank Size have not a significant influence on the stock price of banking sector company that listed on the Indonesian Stock Exchange for period 2011-2018. Penelitian ini dimaksudkan untuk mencari pengaruh Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, dan Bank Size mengenai keterkaitannya pada harga saham baik secara bersamaan maupun parsial terhadap harga saham perusahaan sektor bank yang ada di Bursa Efek Indonesia untuk periode penelitian 2011 – 2018. Penelitian ini mengunakan metode purposive sampling yang ditetapkan sebanyak 5 perusahaan sektor perbankan yang memiliki kapitalisasi pasar terbesar sebagai sampel. Metode analisis yang dipakai menggunakan regresi linear berganda melalui bantuan SPSS 26. Hasil penelitian membuktikan secara simultan, Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, dan Bank Size berpengaruh signifikan terhadap harga saham. Sementara secara parsial, Capital Adequacy Ratio, Non-Performing Loan, dan Loan to Deposit Ratio berpengaruh terhadap harga saham. Sedangkan Net Interest Margin, Return On Asset, dan Bank Size tidak berkaitan terhadap harga saham sektor bank yang terdaftar di Bursa Efek Indonesia periode 2011-2018.

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 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 The Effect of Net Interest Margin (NIM) and Operational Costs Operating Income (BOPO) on Return on Assets (RoA) at PT. Bank Rakyat Indonesia, Tbk

2020 ◽  
Vol 2 (1) ◽  
pp. 1
Author(s):  
Eni Puji Astuti ◽  
Farah Maulia Husna
Keyword(s):  
Banking Sector ◽  
Linear Regression Analysis ◽  
Return On Assets ◽  
Significance Level ◽  
Operating Income ◽  
The Public ◽  
Operational Costs ◽  
Net Interest Margin ◽  
Positive Effect ◽  
Interest Margin

Banks are known as financial institutions whose main activities are collecting funds from the public, channeling funds to the public, and performing other services in the banking sector. The purpose of this study was to determine the effect of Net Interest Margin (NIM) and Operational Income Operating Costs (BOPO) Against Return On Assets (ROA). The sample of this study is the financial statements of PT. Bank Rakyat Indonesia (Persero) Tbk. from 2008 to 2017, this research uses the Multiple Linear Regression Analysis method using an SPSS test. The results showed that Net Interest Margin has a positive effect on Return On Assets, with a tcount greater than ttable (3.021> 2.365) and a significance level of 0.019 less than a significant level of 0.05 (0.019 <0.05) and Operating Income Costs Operations have a negative effect on Return On Assets, with a  tcount greater than ttable (-7,166> 2,365) and a significance level of 0,000 less than a significant level of 0.05 (0,000 <0.05). Net Interest Margin (NIM) and Operational Costs Operating Income (BOPO) has a positive effect on Return On Assets (ROA), with a Fcount greater than Ftable (26.298> 4.46) and a significance level of 0.001 smaller than a significant level of 0, 05 (0.001 <0.05). The coefficient of determination that can be equal to 0.849 or 84.9% means as much as 15.1% is likely influenced by variables not examined.

scholarly journals Capital Adequacy Ratio, Loan To Deposit Ratio, Non Performing Loan, Operational Cost Ratio, Net Interest Margin dan Return On Assets Perusahaan Perbankan

2014 ◽  
Vol 1 (01) ◽  
Author(s):  
Darmansyah Darmansyah
Keyword(s):  
Financial Performance ◽  
Banking Industry ◽  
Jel Classification ◽  
Capital Adequacy ◽  
Cost Ratio ◽  
Operational Cost ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

A B S T R A C T According to Surat Edaran No. 3/30/DPNP dated December 14, 2001, the ratio of return on assets can be measured by the ratio of profit before tax to total assets. The greater the return on assets would indicate the higher profitability. This means that the bank’s financial performance is getting better. This study aims to examine the effect of capital adequacy ratio, loan to deposit ratio, non-performing loan, operational cost ratio and net interest margin of the return on assets. The results showed no effect of non-performing loans, operational cost ratio and net interest margin on profitability. Capital adequacy ratio, loan to deposit ratio proved no significant effect on profitability. This study contributes about factors that affect the profitability of the banking industry. A B S T R A K Menurut Surat Edaran BI No. 3/30/DPNP tanggal 14 Desember 2001, rasio return on asset dapat diukur dengan perbandingan antara laba sebelum pajak terhadap total aset. Semakin besar return on asset akan menunjukkan profitabilitas yang tinggi. Hal ini berarti kinerja keuangan bank semakin baik. Penelitian ini bertujuan menguji pengaruh capital adequacy ratio, loan to deposit ratio, non performing loan, operational cost ratio dan net interest margin terhadap return on assets. Hasil penelitian menunjukkan ada pengaruh non performing loan, operational cost ratio dan net interest margin terhadap profitabilitas. Capital adequacy ratio, loan to deposit ratio terbukti berpengaruh tidak signifikan terhadap profitabilitas. Penelitian ini memberikan kontribusi tentang faktor-faktor yang mempengaruhi prifitabilitas pada industri perbankan. JEL Classification: G14, M21

Sign in / Sign up

Export Citation Format

Share Document