scholarly journals ANALISIS PENGARUH RASIO LIKUIDITAS, EFISIENSI OPERASI, DAN RASIO SOLVABILITAS TERHADAP KINERJA KEUANGAN PADA PT BANK MAYBANK INDONESIA Tbk PERIODE 2010-2018

KEUNIS ◽  
2020 ◽  
Vol 8 (2) ◽  
pp. 167
Author(s):  
Alma Aprilia ◽  
Nina Woelan Soebroto
Keyword(s):  
Secondary Data ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Capital Adequacy ◽  
Operating Efficiency ◽  
Operational Cost ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Capital Adequacy Ratio

<em>This study aims to analyze the significance of the effect of liquidity ratios, operating efficiency, and solvency ratios both simultaneously and partially on financial performance at PT Bank Maybank Indonesia Tbk. period of 2010-2018. The population in this study is liquidity ratio, operating efficiency, and solvency ratio. The sampling technique using simple random sampling method, obtained samples in this study as many as 3 variables, namely Loan to Deposit Ratio (LDR), Operational Costs compared to Operating Income (BOPO), and Capital Adequacy Ratio (CAR). The data used in this study are secondary data obtained from published quarterly financial reports. The model of analysis used is Multiple Linear Regression, while the data analysis technique uses F Test, Determination Coefficient (Adjusted R²), and t Test. The results of the analysis and discussions show that the variable Loan to Deposit Ratio (LDR), Operational Cost versus Operating Income (BOPO), and Capital Adequacy Ratio (CAR) simultaneously have significant effects on Return On Assets (ROA) at PT Bank Maybank Indonesia Tbk. the period of 2010-2018. Partially, the Loan to Deposit Ratio (LDR) variable has negative and not significant effect on Return On Assets (ROA), while Operational Cost versus Operational Income (BOPO) variables partially have a negative and significant effect on Return On Assets (ROA), as well as variables Capital Adequacy Ratio (CAR) partially has a negative and significant effect on Return On Assets (ROA) at PT Bank Maybank Indonesia Tbk. the period 2010-2018.</em>

scholarly journals Sustainabillity Ratio pada Bank Umum Syariah di Indonesia Beserta Faktor yang Mempengaruhinya

2020 ◽  
Vol 5 (2) ◽  
Author(s):  
Dirvi Surya Abbas ◽  
Arry Eksandy ◽  
Yuniarti Yuniarti
Keyword(s):  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Financial Sustainability ◽  
Operational Cost ◽  
Financial Reports ◽  
Operating Income ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Data Regression

The purpose of this study are to determine the effect of Capital Adequacy Ratio (CAR), Operational Cost of Operating Income (BOPO), Financing Deposit Ratio (FDR) on financial sustainability ratio (FSR) (Empirical Study on Islamic Banking in Indonesia in 2014 - 2018). The research period time used was 4 years, namely the 2014-2015 period. The population of this study includes all Islamic general banking in Indonesia in the 2014-2015 period. The sampling technique was using a purposive sampling technique. Based on the predetermined criteria, 8 companies were obtained. The type of data used is secondary data obtained by financial reports issued by the bank. The analysis method used is panel data regression analysis. The results show that the Capital Adequacy Ratio (CAR) has a significant positive effect on financial sustainability ratio (FSR). Operational Cost Operating Income (BOPO) doesn’t have effect on financial sustainability ratio (FSR). Financing Deposit Ratio (FDR) doesn’t have effect on financial sustainability ratio (FSR). Keywords: financial sustainability ratio (FSR); capital adequacy ratio (CAR); operational cost of operating income (BOPO); financing deposit ratio (FDR)

scholarly journals Mengukur Kinerja Pra Merger Tiga Bank Umum Syariah dan Pengaruhnya Terhadap Return on Asset

2021 ◽  
Vol 8 (1) ◽  
pp. 70-78
Author(s):  
Hanif Artafani Biasmara ◽  
Pande Made Rahayu Srijayanti
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Performance Variables ◽  
Capital Adequacy Ratio

Abstrak  - Pada tahun 2020, telah ditetapkan pelaksanaan merger antara tiga Bank Umum Syariah yang merupakan anak perusahaan dari Bank Badan Usaha Milik Negara (BUMN). Dimana ketiga bank tersebut adalah PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, dan PT Bank BNI Syariah. Penelitian ini dilakukan untuk mengukur kinerja keuangan ketiga bank tersebut sebelum dilakukannya merger dan pengaruhnya terhadap Return on Asset (ROA). Dalam penelitian ini, kinerja keuangan akan diukur dengan variabel Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), dan persentase pertumbuhan Dana Pihak Ketiga (DPK). Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh melalui laporan keuangan tahunan dari masing-masing bank dengan periode tahun 2015-2019. Dimana data diolah dan dianalisis dengan menggunakan Regresi Linear Data Panel melalui perangkat lunak Stata 16. Kinerja ketiga Bank Umum Syariah sebelum dimerger menunjukkan hasil yang baik. Selama lima tahun terakhir CAR dan NPF memiliki kinerja yang memuaskan. FDR dan BOPO berada sedikit melenceng dari batas minimum ataupun maksimum. Berikutnya, pertumbuhan DPK rata-rata sebesar 15, 89333%. Seluruh variabel kinerja bank tersebut setelah dilakukan pengolahan data, menunjukkan bahwa variabel CAR, FDR, NPF, BOPO, dan pertumbuhan DPK bersama-sama memiliki pengaruh signifikan terhadap ROA. Sedangkan secara parsial, CAR, NPF, dan pertumbuhan DPK tidak memiliki pengaruh signifikan terhadap ROA. Tetapi FDR dan BOPO memiliki pengaruh signifikan terhadap ROA. Dimana melalui penelitian ini diharapkan dapat menjadi pertimbangan bagi PT Bank Syariah Indonesia Tbk dalam upaya memperoleh kinerja yang baik dan pertumbuhan profitabilitas yang tinggiKata Kunci: CAR, FDR, NPF, BOPO, Pertumbuhan DPK, ROA, Bank Umum Syariah Abstract - In 2020, the implementation of a merger between three Islamic Commercial Banks which are subsidiaries of the State-Owned Enterprise (BUMN) Bank has been determined. Where the three banks are PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, and PT Bank BNI Syariah. This research was conducted to measure the financial performance of the three banks before the merger, and their effect on Return on Assets (ROA). In this study, financial performance will be measured by the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Operational Costs and Operating Income (OEOI), and the percentage growth in Third Party Funds (TPF).The data used in this study is secondary data obtained through the annual financial reports of each bank for the period 2015-2019. Where the data is processed and analyzed using Linear Data Panel regression through Stata 16. The performance of the three Islamic Commercial Banks before the merger showed good results. Over the last five years, CAR and NPF have performed satisfactorily. FDR and BOPO have slightly deviated from the minimum or maximum limits. Next, the growth in deposits was an average of 15.89333%. All of these bank performance variables, after data processing, show that the variables CAR, FDR, NPF, OEOI, and TPF growth together have a significant effect on ROA. Meanwhile, partially, CAR, NPF, and TPF growth have not a significant effect on ROA. However, FDR and BOPO have a significant effect on ROA. Where through this research it is hoped that in the future it can be a consideration for PT Bank Syariah Indonesia, Tbk to obtain good performance and high profitability growth.Keywords: CAR, FDR, NPF, OEOI, TPF Growth, ROA, Islamic Commercial Banks

Determinan Return On Asset Bank BRI Syariah Periode 2015-2019

2020 ◽  
Vol 4 (1) ◽  
pp. 45-55
Author(s):  
Ilani Pujiyanti ◽  
Faisal Rakhman
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Negative Side ◽  
Capital Adequacy Ratio ◽  
Multiple Regression Coefficient ◽  
Negative Effect

The level of BRISyariah Capital Adequacy Ratio (CAR) for the period 2015-2019 is already in the very healthy category (above 12%), while the level of Financing to Deposit Ratio (FDR) is still in a fairly healthy category (around 85%), the ratio of Operating Costs to Operating Income ( BOPO) is in the unhealthy category (above 95%), as well as the level of Return On Assets (ROA), especially during 2019, is in the unhealthy category (below 0.5%). This study analyzes the influence of CAR, FDR, BOPO on ROA in BRISyariah. This research is a quantitative type with an associative approach. With secondary data in the form of published quarterly financial reports of BRISyariah for the period 2015-2019. Tests conducted to determine the relationship and influence between variables partially and simultaneously, multiple regression, coefficient of determination, t test and F test. The results of this study indicate that (1) there is a negative effect of CAR on ROA where the value of tcount>ttable (2.352>2.120) is on the negative side with R2 of 23.5%, (2) there is no effect of FDR on ROA where the tcount value is<ttable (-0,127<2,120) with R2 of 0.1%, (3) there is a negative effect of BOPO on ROA where the tcount>ttable (11,823>2,120) with the tcount on the negative side, while the R2 value is 88.8 %. (4) simultaneously there is a significant effect of CAR, FDR and BOPO on ROA with the results of Fcount>Ftable (331,743> 3,24) with a R2 value of 98.4%. The concluded that the risk of own capital (CAR) in high number and the more inefficient bank operations (BOPO), make ability the bank's is low to increase profits.

scholarly journals Moderating Effect of Inflation on the Influence of Financial Performance on the Growth of Islamic Banking in Indonesia

2021 ◽  
Vol 1 (2) ◽  
pp. 124-143
Author(s):  
Abid Djazuli ◽  
Mister Candera
Keyword(s):  
Financial Performance ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
The Impact

Islamic banking is one of the financial institutions whose activities are financial intermediation between the owners of capital and those who need capital. This study was conducted to know and analyze the impact of inflation as a moderating influence of financial performance on the growth of Islamic banking in Indonesia. The financial performance used consists of return on assets (ROA), non-performing financing (NPF), net operating margin (NOM), capital adequacy ratio (CAR), financing to Deposit Ratio (FDR), and operating expenses for operating income (BOPO). The data used is secondary data, obtained from the results of financial reports published on the official website of the Otoritas Jasa Keuangan (OJK) from January 2015 to December 2019. The analysis results show that, in general, inflation cannot moderate the influence of financial performance on rbanking growth—Sharia in Indonesia. Inflation can only be a predictor of the effect of return On Assets and net operating margin on the growth of Islamic banking in Indonesia. Meanwhile, the variables of non-performing financing (NPF), capital adequacy ratio (CAR), financing to deposit ratio (FDR), and operating expenses for operating income (BOPO) are not able to be a moderator or as a predictor

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 Pengaruh CAR, FDR, Dan BOPO Terhadap ROA Pada Bank Syariah Di Indonesia

2021 ◽  
Vol 9 (2) ◽  
Author(s):  
Intan Rika Yuliana ◽  
Sinta Listari
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Predictive Ability ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio

Banking companies, including Islamic banking, need to avoid problems that can cause financial failure, which can make the bank unable to carry out its business operations and may end up in bankruptcy, so that the level of soundness of the bank based on risk must always be monitored. Therefore, banks must maintain their financial ratios in accordance with Bank Indonesia decisions and maintain their performance. So analyzing the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and the Ratio of Operating Costs to Operating Income (BOPO) on Return On Assets (ROA) in Islamic Banks is considered very important.   This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs on Operating Income (BOPO) on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia. This research includes quantitative research and the type of data used is secondary data. The data used in this study is the ratio of CAR, FDR, BOPO, and ROA for the period 2014–2019 which was obtained from the annual Financial Statements on the official website of each bank.   The population in this study were 14 Islamic Commercial Banks in Indonesia. After passing the purposive sampling stage, there were 6 samples of Sharia Commercial Banks that were suitable for use, namely BCA Syariah, BNI Syariah, Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah and BRI Syariah. The analytical method used in this research is Multiple Linear Regression Analysis.   The results of the partial study with the t-test showed that the CAR and FDR variables had a positive and significant effect on the ROA of Islamic commercial banks. While the BOPO variable has a negative and significant effect on the ROA of Islamic commercial banks. And the results of the f test show that the CAR, FDR, and BOPO variables together have a significant influence on the ROA of Islamic commercial banks. The predictive ability of these three variables on ROA is 82.7%, the remaining 17.3% is explained by other variables outside of this research.   Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses per Operating Income (BOPO), Return On Assets (ROA)

scholarly journals The Factor Affecting to Profitability of Bank Mandiri (Persero) Tbk. Period 2011-2020

2021 ◽  
Vol 5 (2) ◽  
pp. 86-98
Author(s):  
Diana Riyana Harjayanti ◽  
Ade Irma ◽  
Ratna Tri Hari Safariningsih ◽  
Fajar Gumilang Kosasih
Keyword(s):  
Significant Influence ◽  
Operating Cost ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Operational Cost ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
The Relationship

The purpose of this study is to determine factors Capital Adequacy Ratio, Non-Performing Loans and Operational Cost of Operating Income, Return On Assets as profitability at PT. Bank Mandiri (Persero) Tbk. with periode 2011-2020. The research method used in this study is descriptive quantitative. The population used is the financial statements of PT. Bank Mandiri (Persero) Tbk. The sample used is data that comes from the notes to the financial statements and income statements of PT. Bank Mandiri (Persero) Tbk. in the period 2011 to 2020. Based on the results of the partial test (t test) the results is Capital Adequacy Ratio and Non Performing Loan have not a significant influence on Return On Assets and Operational Cost of Operating Income has a significant influence on Return On Assets. But base on simultan (F test) shows that the Capital Adequacy Ratio, Non Performing Loan and Operational Cost of Operating Income have a significant influence on Return On Assets. In the coefficient of determination, the value of Adjusted R Square is 92.60%, Return On Assets can be explained by the Capital Adequacy Ratio, Non-Performing Loans and Operating Cost of Operating Income, which means that the relationship between variables has a strong correlation, while the remaining 7.4% can be explained by other variables.  

scholarly journals FINANCIAL PERFORMANCE ANALYSIS FOR RETURN ON ASSETS WITH A MULTIPLE LINIER REGRESSION APPROACH

2020 ◽  
Vol 8 (2) ◽  
pp. 42-50
Author(s):  
Hendra H Dukalang
Keyword(s):  
Financial Performance ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Spss Software ◽  
Asset Quality ◽  
Microsoft Office

This study aims to model the factors that affect the financial performance of Bank Muammalat, including Capital Adequacy Ratio (CAR), Earning Asset Quality (KAP), Operational Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) to Return on Assets. (ROA) This research uses secondary data taken based on time series. The analysis technique in this study uses multiple linear regression using SPSS software version 20 and Microsoft Office Excel 2010. The results of this study indicate that partially the CAR and KAP partially do not have a significant effect on Return On. Assets, while Operational Expenses to BOPO and FDR partially have a significant effect on Return on Assets. Simultaneously, these four variables have a significant effect on Return on Assets at PT Bank Muamalat Indonesia. Based on the results of the Determination Coefficient test, the value of Adjusted R Square (R2) is 99.00%, this means that the amount of Return on Assets can be influenced and explained by the variables CAR, KAP, BOPO, and FDR, while the remaining 1% is explained by variables not examined in this study.

Moderasi NPF terhadap Intervensi BOPO dan CAR pada Kinerja Keuangan Bank Syariah di Indnesia 2019-2021

2021 ◽  
Vol 4 (2) ◽  
pp. 328-344
Author(s):  
Toha Barizi ◽  
Rifky Fatoni ◽  
Zuni Fitrowati ◽  
Umrotul Khasanah
Keyword(s):  
Financial Services ◽  
Time Series Data ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Series Data ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Considerable Impact ◽  
The Impact

The goal of this research is to look into the impact of Operating Costs on Operating Income (BOPO) and Capital Adequacy Ratio (CAR) on the Financial Performance of Islamic Commercial Banks, which is measured using one of the profitability ratio indicators, Return on Assets (ROA). This study employs a quantitative approach by employing explanatory research, which tries to examine the theories and hypotheses that exist in this study in order to determine whether they strengthen or weaken earlier theories and hypotheses. The study relied on secondary data, specifically information gathered from the ojk.ac.id website. This research uses monthly time series data from the Financial Services Authority from 2019 to 2021, with a sample size of 26 months. Multiple linear regression and moderated regression analysis were employed in this study's regression model (MRA). The findings of this study revealed that BOPO had a considerable impact on ROA, although CAR had no such impact, and that NPF, as a moderating variable, was able to moderate the impact of BOPO and CAR on ROA.

scholarly journals The Effect of Car, BOPO, NPF, and FDR on Profitability of Sharia Commercial Banks in Indonesia

2019 ◽  
Vol 2 (3) ◽  
pp. 234-238
Author(s):  
Saleh Sitompul ◽  
Siti Khadijah Nasution
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Predictive Ability ◽  
Total Sample ◽  
Capital Adequacy ◽  
Operational Cost ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Negative Effect

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Operational Costs on Operating Income (BOPO), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) to Profitability with Return on Assets (ROA) in Indonesian Commercial Banks . The population in this study were 13 Sharia Commercial Banks in Indonesia registered in the Financial Services Authority and Bank Indonesia from 2013-2017, with a total sample of 6 Islamic Commercial Banks. The analytical method used is descriptive statistics, classic assumption tests, and multiple linear regression for hypothesis testing. The results showed partially that the Operational Cost of Operational Income had a significant negative effect on Return on Assets, while the Capital Adequacy Ratio, Non Performing Financing and Financing to Deposit Ratio did not affect Return on Assets of Islamic Commercial Banks in Indonesia. Simultaneously, the Capital Adequacy Ratio, Operational Cost to Operaional Revenue, Non Performing Financing and Financing to Deposit Ratio have a significant effect on Return on Assets of Islamic Commercial Banks in Indonesia. The predictive ability of the four variables on Return on Assets is 82%, while the remaining 18% is influenced by other factors outside of this research model.

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