scholarly journals ANALISIS KINERJA KEUANGAN DITINJAU DARI ASPEK RISIKO LIKUIDITAS, RASIO RENTABILITAS, DAN RASIO PERMODALAN PADA PT BANK DANAMON INDONESIA Tbk. PERIODE TAHUN 2014-2018

KEUNIS ◽  
2020 ◽  
Vol 8 (2) ◽  
pp. 187
Author(s):  
Anis Rahma Ayuningtyas ◽  
Prihatiningsih Prihatiningsih ◽  
Nina Woelan Soebroto
Keyword(s):  
Financial Performance ◽  
Liquidity Risk ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Qualitative And Quantitative ◽  
Final Project ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

<em>This study aims to describe the results of the ranking and calculation of bank financial performance based on Liquidity Risk, Profitability Ratio and Capital Ratio at PT Bank Danamon Indonesia Tbk. period of 2014 - 2018. This Final Project uses descriptive writting method with a qualitative and quantitative approach and in collecting data using the published documentation method. This study uses secondary data obtained from PT Bank Danamon Indonesia Tbk. in the form of financial statements. Variables in this study are on liquidity risk using a Loan to Deposit Ratio (LDR), profitability ratio using Return On Assets (ROA) and Net Interest Margin (NIM). ), while the capital ratio uses the Capital Adequacy Ratio (CAR). The results of the study show that financial performance at PT Bank Danamon Indoneisa Tbk. period of 2014 - 2018 viewed from liquidity risk (LDR) is ranked 3 (three) or Moderate. ROA is ranked 1 (one) or very adequate in 2014, in 2015 was ranked 2 (two) or adequate, and in 2016-2018 was ranked 1 (one) or very adequate. NIMs in 2014-2018 were ranked 1 (one) or very adequate even though they experienced an increase and decrease in the value of the ratio and CAR in 2014-2018 was ranked 1 (one) or very adequate. The results of this study are expected to provide an overview to the bank stakeholders regarding the soundness of the bank.</em>

scholarly journals THE EFFECT OF FINANCIAL PERFORMANCE RATIOS ON CONVENTIONAL BANK PROFITABILITY IN INDONESIA STOCK EXCHANGE

2019 ◽  
Vol 14 (2) ◽  
pp. 84
Author(s):  
Ahmad Azmy ◽  
Iqbal Febriansyah ◽  
Anita Munir
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Test Results ◽  
Return On Assets ◽  
Bank Profitability ◽  
Capital Adequacy Ratio

This study aims to analyze the effect of the ratio of financial performance to the profitability of private conventional commercial banks listed on the Indonesia Stock Exchange. Retrieval of data using financial statements from fourteen conventional commercial banks. The independent variables used include Capital Adequacy Ratio (CAR), Operational Income Operating Expenses (BOPO), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR). The profitability variable is proxied by Return on Assets (ROA). This type of research is quantitative that uses secondary data. The analysis was carried out using multiple regression analysis. The results showed that, CAR and NPL had no effect on ROA, while BOPO and LDR had a significant effect on ROA. Then the F Test results show that CAR, NPL, BOPO, and LDR simultaneously influence ROA

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 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

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.

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

scholarly journals Pengaruh Capital Adequacy Ratio (CAR) dan Loan to Deposit Ratio (LDR) Terhadap Return On Assets (ROA) Pada Bank BUMN Yang Terdaftar Pada Bursa Efek Indonesia Periode 2014-2017

2020 ◽  
Vol 1 (1) ◽  
pp. 30-42
Author(s):  
Mia Saraswati ◽  
Fika Aryani
Keyword(s):  
Stock Exchange ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Regression Methods ◽  
Test Variable ◽  
Capital Adequacy Ratio ◽  
Saturated Sample ◽  
Sample Method

This research aims to examine the effect of the Capital Adequacy Ratio and Loan to Deposit Ratio on Return On Assets. The population in this research were state-owned banks listed on the Indonesia Stock Exchange quarterly period from 2014 - 2017. Sampling in this research used a saturated sample method in order to obtain a sample of 63 samples from 4 companies. This research uses a quantitative approach with the type of associative research. This research uses secondary data in the form of company financial statements obtained from the Indonesia Stock Exchange. The data is then analyzed using multiple linear regression methods with SPSS version 24. The results of the analysis show that partially Capital Adequacy Ratio has no effect on Return On Assets. significant to Return On Assets which is shown from the results of the t test variable LDR 0,000 <0.05. Simultaneously, Capital Adequacy Ratio and Loan to Deposit Ratio have a significant effect on Return On Assets, this is indicated by the significance of the F test of 0.000 <0.05

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

scholarly journals Good Corporate Governance And Financial Performance On Capital Adequacy Ratio: A Reflection Of Indonesian Conventional Banking

2021 ◽  
Vol 7 (2) ◽  
pp. 293-306
Author(s):  
Yuli Agustina ◽  
Agung Winarno ◽  
Ariska Dyan
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Self Assessment ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Using Data ◽  
The Impact

The purpose of this study is to determine the impact of good corporate governance, as well as financial performance as measured by non-performing loans, net interest margin, return on assets, and loan to deposit ratios, on the capital adequacy ratio of conventional banking in the period 2015-2019, using data from the Federal Reserve. The composite value of banking self-assessment is the indicator that was utilized to determine good corporate governance in the context of this study. The quantitative approach used in this study was combined with secondary data. Purposive sampling was used in this study to select a sample of 35 banks, which was then analyzed. The findings revealed that GCG, NPL, ROA, and LDR had no impact on CAR. This occurs because the revenues obtained by the bank are used to mitigate the bank's operational risk, and so have no effect on the bank's capital adequacy ratio (CAR). The NIM has a negative and statistically significant effect on the CAR. This is due to the fact that the NIM indicates that the quantity of loans granted is increasing, implying that the risk faced by the bank is also increasing.

scholarly journals Pengaruh Penyaluran Kredit Usaha Rakyat, Non Performing Loan,Tingkat Suku Bunga Bank Indonesia dan CAR Terhadap Profitabilitas (Studi Kasus Pada PT Bank Rakyat Indonesia (PERSERO) TBK Periode 2010-2017)

2019 ◽  
Vol 3 (1) ◽  
pp. 24
Author(s):  
Muhammad Andhika Wiranegara
Keyword(s):  
Interest Rates ◽  
Statistical Tests ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
The Other ◽  
Return On Assets ◽  
Processing Application ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

The purpose of this study was to determine whether the level of People's Business Credit distribution, non-performing loans, Bank Indonesia interest rates and CAR can affect the level of profitability (Return On Asset) of PT Bank Rakyat Indonesia (Persero) Tbk, this study using secondary data sourced from the quarterly financial statements in the period 2010-2017. In managing the data that is owned, the author uses the SPSS version 20 data processing application. The data analysis technique used is multiple linear regression and to test the hypotheses of this study using t-statistical tests to test hypotheses partially and f-statistical tests to test hypothetically simultaneous. From the results of the tests that have been carried out in the Business Credit distribution, the interest rates of Bank Indonesia and CAR do not partially affect Return On Assets, while the non-performing loans affect Return On Assets. Simultaneously, the variable of People's Business Credit distribution, non-performing loans, Bank Indonesia interest rates and CAR has an effect on Return On Asset of 71.4 percent and the other is influenced by variables other than those studied. Key notes : Kredit Usaha Rakyat, Non Performing Loan, tingkat suku bunga Bank Indonesia, Capital Adequacy Ratio, Return On Asset.

scholarly journals ANALISIS KINERJA KEUANGAN BANK UMUM KONVENSIONAL DENGAN ASET TERENDAH DI INDONESIA PERIODE 2014-2017

2019 ◽  
Vol 23 (1) ◽  
pp. 19-28
Author(s):  
Jefri Thomi da Costa Boreel ◽  
Mintarti Ariani ◽  
Bambang Budiarto
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This research aims to analyze the payback or Return on Assets (ROA) which has very significant effect against the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operatingexpenses against the operating income (BOPO). This research uses population of 13 commercial banks with the lowest accounting assets in Indonesia for 2014-2017 period. In this research, the secondary data is taken in the form of the financialstatements of the bank starting from 2014 until 2017. Technique of data analysis in this study uses regression analysis panel where Return on Asset (ROA) as its dependent variabel and the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against operating income (BOPO) as its independent variabel. The results of this research provide evidence that Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against the operating income (BOPO) partially have significant influence towards Return on Asset (ROA) on 13 commercial banks, while Loan to Deposit Ratio (LDR), and the Capital Adequacy Ratio (CAR) partially do not havesignificant influence towards Return on Asset (ROA).

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