Determinan Profitablitas: Risiko Pembiayaan, Capital Adequacy Ratio Dan Operational Efficiency Ratio (Studi Empiris Pada Bank Perkreditan Rakyat Syariah di Provinsi Banten Yang Terdaftar di OJK Periode Januari 2017 – September 2019)

Penelitian ini bertujuan untuk mengetahui pengaruh risiko pembiayaan, capital adequacy ratio dan operational efficiency ratio terhadap profitabilitas. Metode yang digunakan pada penelitian ini adalah metode kuantitatif. Desain penelitian ini adalah asosiatif jenis kausal (hubungan sebab akibat). Populasi dalam penelitian ini adalah Bank Perkreditan Rakyat Syariah di Provinsi Banten yang terdaftar di OJK pada periode Januari 2017 – September 2019. Teknik pengambilan sampel pada penelitian ini menggunakan teknik sampel jenuh yang menghasilkan 88 sampel penelitian. Data yang digunakan dalam penelitian ini adalah data sekunder berupa laporan keuangan triwulan. Teknik pengumpulan data yang digunakan adalah studi pustaka dimana peneliti menghimpun informasi relevan yang berkaitan dengan topik atau masalah yang akan atau sedang diteliti. Analisis data yang digunakan pada peneilitian ini melalui Uji Statistik Deskriptif, Uji Asumsi Klasik, Regresi Berganda, Uji t tabel, Uji F tabel dan Uji Koefisien Determinasi yang diolah melalui SPSS Versi 25. Berdasarkan hasil penelitian dapat disimpulkan bahwa: 1) tidak terdapat pengaruh Non Performing Finance terhadap Return On Assets, 2) terdapat pengaruh yang signifikan Capital Adequacy Ratio terhadap Return On Assets, 3) terdapat pengaruh yang signifikan Operational Efficiency Ratio terhadap Return On Assets, dan 4) terdapat pengaruh yang signifikan Non Performing Finance, Capital Adequacy Ratio, dan Operational Efficiency Ratio terhadap Return On Assets

ANALYSIS OF FACTORS AFFECTING THE RETURN ON ASSETS OF BANK LISTED IN INDONESIA STOCK EXCHANGE PERIOD 2008-2011

Business and Entrepreneurial Review ◽

10.25105/ber.v13i2.1843 ◽

2017 ◽

Vol 13 (2) ◽

pp. 93

Author(s):

Wito Wito

Keyword(s):

Firm Size ◽

Stock Exchange ◽

Operational Efficiency ◽

Least Square ◽

Capital Adequacy ◽

Efficiency Ratio ◽

Return On Assets ◽

Factors Affecting ◽

Ordinary Least Square ◽

This research aims to analyze the influence of the non-performing loan, loan to deposit ratio, operational efficiency ratio, capital adequacy ratio and firm size on return on assets banking company listed on the Indonesia stock exchange during the period 2008-2011.The Sample used in this study is as much as 23 companies, whereas the methods of analysis used is multiple regression based on ordinary least square (OLS)The results showed that based on the test-t, it can be inferred that the non-performing loan, the operational efficiency ratio and firm size effect significantly to profitability (as measured by return on assets). While the loan to deposit ratio and capital adequacy ratio was not significant effect of the return on asset banking company. In the meantime, based on test-F all independent variables influence significantly to return on asset banking company listed on the Indonesia stock exchange period 2008-2011

PENGARUH CAPITAL ADEQUACY RATIO, NON-PERFORMING LOAN, NET INTEREST MARGIN, OPERATIONAL EFFICIENCY RATIO, LIQUIDITY TO DEBT RATIO TERHADAP RETURN ON ASSETS PADA PERUSAHAAN PERBANKAN DI INDONESIA (Studi Empiris pada Bank Umum Swasta Nasional Berstatus Devisa yang Terdaftar di Bank Indonesia Periode 2009-2011)

Jurnal Akuntansi ◽

10.24964/ja.v2i2.35 ◽

2016 ◽

Vol 2 (2) ◽

Author(s):

Muhammad Faisal Bahri

Keyword(s):

Operational Efficiency ◽

Capital Adequacy ◽

Debt Ratio ◽

Efficiency Ratio ◽

Return On Assets ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Liquidity to Debt Ratio (LDR) terhadap kinerja perusahaan perbankan yang diproksikan dengan Return On Assets (ROA). Populasi penelitian ini adalah bank umum swasta nasional yang berstatus devisa yang terdaftar di Bank Indonesia periode 2009-2011. Terdapat 75 laporan keuangan dari 25 bank yang dapat dijadikan sampel penelitian selama tahun pengamatan. Hasil analisis menunjukan bahwa Net Interest Margin (NIM) berpengaruh positif terhadap Return On Assets (ROA) dan Rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh negatif secara signifikan terhadap Return On Assets (ROA), sedangkan Liquidity to Debt Ratio (LDR), Non-Performing Loan (NPL), dan Capital Adequacy Ratio (CAR) tidak berpengaruh secara signifikan terhadap Return On Assets (ROA). Kata Kunci : Rasio Keuangan, Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Rasio biaya Operasional terhadap Pendapatan Operasional (BOPO), Liquidity to Debt Ratio (LDR), Return On Assets (ROA).

Macroeconomic Analysis and Financial Ratios on Sharia Commercial Bank Profitability: A Case Study of Indonesia

Ihtifaz Journal of Islamic Economics Finance and Banking ◽

10.12928/ijiefb.v3i1.1721 ◽

2020 ◽

Vol 3 (1) ◽

pp. 37

Author(s):

Faiza Husnayeni Nahar ◽

Calvin Faza ◽

Muhammad Azizurrohman

Keyword(s):

Commercial Bank ◽

Commercial Banks ◽

Operational Efficiency ◽

Capital Adequacy ◽

Financial Ratios ◽

Domestic Product ◽

Series Data ◽

Efficiency Ratio ◽

Return On Assets ◽

Having experienced significant growth, sharia commercial bank in Indonesia has become one of the drivers of economic growth in Indonesia. This study aims to analyze the effect of macroeconomic and financial ratios on the profitability of Islamic commercial banks in Indonesia. This study used qualitative data using secondary data during the period 2011-2018. The methodology used is panel data which combines time series data and cross section data. Variables used include Non Performing Finance (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER), Inflation, Domestic Product Growth (GDP), and Exchange Rates. The results of this study indicate that Non-Performing Finance (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER) have a significant influence on Islamic Bank Return On Assets (ROA) in Indonesia. Meanwhile, Growth Domestic Product (GDP), and Exchange Rate appear with no significant effect on the Return on Assets (ROA) of Sharia Commercial Banks in Indonesia.

The Effect of Financial Health Level on Increasing Profitability of Insurance Companies Listed on IDX Period of 2014-2018

Petra International Journal of Business Studies ◽

10.9744/ijbs.3.2.120-125 ◽

2020 ◽

Vol 3 (2) ◽

pp. 120-125

Author(s):

Mohamad Yusak Anshori ◽

Ira Fasila ◽

Ninnasi Muttaqiin

Keyword(s):

Operational Efficiency ◽

Capital Adequacy ◽

Insurance Companies ◽

Financial Health ◽

Efficiency Ratio ◽

Return On Assets ◽

Health Level ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

This study was conducted to examine the effect of financial health level of insurance companies on their increasing profitability. It uses profitability as the dependent variable measured by Return on Assets (ROA) and the independent variable is financial health level measured by Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Operational Efficiency Ratio (BOPO). It is quantitative research in which the sample was taken using a purposive sampling method. It uses secondary data collected from the annual financial reports of insurance companies during the 2014-2018 period. There were 10 companies selected and the data were analyzed using multiple linear regression analysis techniques with the Statistical Product and Service Solution (SPSS) program version 23. The results show that three variables— such as Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and Net Interest Margin (NIM)— have a positive effect on Return On Assets (ROA). On the contrary, the two variables such as Non-Performing Loans (NPL) and Operational Efficiency Ratio (BOPO) have no effect on Return on Assets (ROA).

The Effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operational Efficiency (BOPO), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR), on Return on Assets (ROA)

10.7176/rjfa/10-10-19 ◽

2019 ◽

Keyword(s):

Operational Efficiency ◽

Capital Adequacy ◽

Return On Assets ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

GATR Journal of Accounting and Finance Review (AFR) Vol. 4 (4) Oct-Dec 2019 - GATR Accounting and Finance Review ◽

The Impact of Financial Ratios, Operational Efficiency and Non-Performing Loan Towards Commercial Bank Profitability

10.35609/afr.2016.1.1(6) ◽

2016 ◽

Vol 1 (1) ◽

pp. 43-50

Author(s):

Fiola Christaria ◽

Ratnawati Kurnia

Keyword(s):

Banking Sector ◽

Operational Efficiency ◽

Capital Adequacy ◽

Public Confidence ◽

Return On Assets ◽

Bank Profitability ◽

Operating Income ◽

Capital Adequacy Ratio ◽

Income Ratio ◽

The Impact

Objective - The objective of this paper is to determine the impact of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operational Efficiency proxies by Operational Expense to Operating Income Ratio (BOPO)and Non-Performing Loan (NPL) towards bank profitability proxies by Return on Assets (ROA). Methodology/Technique - Purpose samplingis applied to gather samples of the banking sector that was listed on the Indonesia Stock Exchange for the period of 2012 - 2014. Multiple regression analysis was used to analyse data. Findings - The F test result shows that CAR, LDR, BOPO, and NPL simultaneously, have a significant impact towards ROA. This means that the model can be used to predict bank profitability. It is also deduced that Operational Efficiency proxies by Operational Expense to Operating Income Ratio has a significant impact towards banking profitability. Novelty - This paper suggests that banks perform lending selectively and banks maintain the level of non-performing loans to be low in order to manage the risks and to improve their profitability as a means of increasing public confidence level. Type of Paper Empirical Keywords: Capital Adequacy Ratio; Loan to Deposit Ratio; Non-performing Loan; Operating Expense to Operating Income; Return on Assets. JEL Classification: D81, G21.

PENGARUH CAPITAL ADEQUACY RATIO, FINANCING TO DEPOSIT RATIO DAN OPERATIONAL EFFICIENCY RATIO TERHADAP KINERJA KEUANGAN (BUKTI EMPIRIS DARI BNI SYARIAH PERIODE 2010-2019)

Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam ◽

10.22373/jimebis.v1i1.107 ◽

2020 ◽

Vol 1 (1) ◽

pp. 55-65

Author(s):

Fadhil Fadhil ◽

Akmal Riza

Keyword(s):

Operational Efficiency ◽

Capital Adequacy ◽

Efficiency Ratio ◽

Penelitian ini bertujuan untuk mengetahui pengaruh CAR, OER dan FDR terhadap ROA pada BNI Syariah periode 2010-2019, baik secara simultan maupun parsial. Penelitian ini menggunakan metode regresi linier berganda dengan populasi sasaran laporan triwulan pada PT. Bank BNI Syariah selama 10 tahun. Hasil penelitian dapat dijelaskan bahwa, secara simultan semua variabel independen yang terdiri dari CAR, FDR dan OER berpengaruh terhadap variabel dependen yaitu ROA. Sedangkan secara parsial variabel CAR berpengaruh negatif terhadap ROA, FDR berpengaruh negatif terhadap ROA dan OER berpengaruh negatif terhadap ROA.

Analisis Pengaruh Kecukupan Modal, Efisiensi Operasional Dan Likuiditas Terhadap Profitabilitas Bank BUMN Di Bursa Efek Indonesia Periode 2009-2013

Kajian Bisnis STIE Widya Wiwaha ◽

10.32477/jkb.v24i1.214 ◽

2017 ◽

Vol 24 (1) ◽

pp. 11-24

Author(s):

Ayik Muh Al Hasny ◽

Christin Berlinhan Oey

Keyword(s):

Data Analysis ◽

Stock Exchange ◽

Capital Adequacy ◽

Coefficient Of Determination ◽

Analysis Method ◽

Efficiency Ratio ◽

Return On Assets ◽

Operating Income ◽

Capital Adequacy Ratio ◽

Strong Relation

This study aims to examine the effect of the variables of Capital Adequacy Ratio (CAR), operational efficiency (ratio of operating expenses to operating income / BOPO) and liquidity (loan to deposit ratio / LDR) to profitability (return on assets / ROA)of state-owned bank in the Indonesia Stock Exchange in the period of 2009 -2013. There are four (4) samples in this research, which are: PT Bank Mandiri Tbk., PT Bank Rakyat Indonesia Tbk., PT Bank Negara Indonesia Tbk, and PT Bank BTN Tbk. Data analysis method used is multiple linear regression, after going through the classical assumption test to make sure there are no violations on multicolinearity, autocorrelation and heteroscedasticity. Based on the analysis, it is concluded that the variables CAR, BOPO and LDR, partially or simultaneously, significantly influences ROA of the state-owned bank in BEI. Of the three variables, it is proven that BOPO is the most dominant aspect that influences ROA. The coefficient of determination (R2) is of 0.795, means that the three variables have contributed to changes in the value of ROA of 79.5% and the contribution of other variables that are not observed in this study is 20.5%. While the value stimulant correlation coefficient (R) is 0.891 indicates that these three variables have a strong relation to the ROA of state-owned bank in BEI 2009-2013.

Kecukupan Modal, Pembiayaan Bermasalah, dan Efisiensi Operasional Sebagai Determinan dari Profitabilitas Bank Muamalat Indonesia Periode 2012-2017

Innovatio Journal for Religious Innovations Studies ◽

10.30631/innovatio.v19i2.86 ◽

2019 ◽

Vol 19 (2) ◽

pp. 131-148

Author(s):

Yoni Elmadwita ◽

Novi Mubyarto

Keyword(s):

Operational Efficiency ◽

Capital Adequacy ◽

Research Subjects ◽

Return On Assets ◽

Financial Reports ◽

Operating Income ◽

Capital Adequacy Ratio ◽

Financing Risk ◽

Descriptive Approach ◽

Quantitative Descriptive

This research aims to analyze the effect of capital adequacy, financing risk, and operational efficiency on the profitability of Bank Muamalat Indonesia. This research uses a quantitative descriptive approach, the object of research is the Capital Adequacy Ratio (CAR / KPMM) as a proxy for capital adequacy, Non-Performing Financing (NPF) as a proxy for financing risk, Operational Costs Operating Income (BOPO / REO) as a proxy for operational efficiency, and Return on Assets (ROA) as a proxy for profitability. The research subjects are the annual and quarterly financial reports of PT. Bank Muamalat Indonesia for the period 2012 - 2017. Methods of data analysis using multiple linear regression. The results showed that CAR had no significant effect on ROA. Meanwhile, NPF and BOPO have a negative and significant effect on ROA. Penelitian ini bertujuan untuk menganalisis pengaruh kecukupan modal, pembiayaan bermasalah, dan efisiensi operasional terhadap profitabilitas Bank Muamalat Indonesia. Penelitian menggunakan pendekatan deskriptif kuantitatif, Objek penelitian adalah Capital Adequacy Ratio (CAR/KPMM) sebagai proksi dari kecukupan modal, Non-Performing Financing (NPF) sebagai proksi dari pembiayaan bermasalah, Biaya Operasional Pendapatan Operasional (BOPO/REO) sebagai proksi dari efisiensi operasional dan Return on Asset (ROA) sebagai proksi dari profitabilitas. Subjek penelitian adalah laporan keuangan tahunan (Annual Report) dan triwulanan PT. Bank Muamalat Indonesia periode 2012 – 2017. Metode analisis data menggunakan regresi linier berganda. Hasil penelitian diketahui bahwa CAR tidak berpengaruh signifikan terhadap ROA. Sementara itu, NPF dan BOPO mempunyai pengaruh negatif dan signifikan terhadap ROA.

PENGARUH KOMPONEN RISK BASED BANK RATING (RBBR) TERHADAP PROFITABILITAS PERBANKAN

Jurnal Akuntansi dan Keuangan ◽

10.23960/jak.v25i2.129 ◽

2020 ◽

Vol 25 (2) ◽

pp. 44-58

Author(s):

Anggi Tiara Novira ◽

Reni Oktavia ◽

Yuztitya Asmaranti

Keyword(s):

Corporate Governance ◽

Financial Performance ◽

Commercial Banks ◽

Operational Efficiency ◽

Capital Adequacy ◽

Efficiency Ratio ◽

Good Corporate Governance ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

This study aims to analyze the effect of Risk Based Bank Rating (RBBR) component implementation to the financial performance of conventional commercial banks in Indonesia. The RBBR component is presented by using variables: Non Performing Loan, Loan to Deposit Ratio, Good Corporate Governance, Operational Efficiency Ratio, Net Interest Margin, Capital Adequacy Ratio. Meanwhile, financial performance is measured using Return On Assets (ROA). This study used quantitative methods with secondary data obtained from the websites of each conventional commercial bank. The research sample was selected by using purposive sampling in order to obtain 25 conventional commercial banks in Indonesia during 2010-2019. Data analysis used multiple linear regression analysis by IBM SPSS Statistics 26 program. The results of this study indicate that Non Performing Loan (NPL), Good Corporate Governance (GCG), Capital Adequacy Ratio (CAR) have no effect on the financial performance of conventional commercial banks. Meanwhile, the Loan to Deposit Ratio (LDR) and Operational Efficiency Ratio (REO) have a negative effect on the financial performance of conventional commercial banks, and the Net Interest Margin (NIM) has positive effect on the financial performance of conventional commercial banks.