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 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 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.

scholarly journals Pengaruh CAR, ROA, BOPO, dan NIM Terhadap Pertumbuhan Laba pada Bank BUMN

2021 ◽  
Vol 16 (1) ◽  
pp. 37-53
Author(s):  
Fitra Syafaat
Keyword(s):  
Annual Report ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh rasio keuangan terhadap pertumbuhan laba pada perusahaan perbankan. Rasio keuangan yang digunakan adalah Capital Adequacy Ratio (CAR), Return on Assets (ROA), Beban Operasional Pendapatan Operasional (BOPO), dan Net Interest Margin (NIM) terhadap pertumbuhan laba Bank BUMN. Periode penelitian adalah tahun 2011 hingga 2020, menggunakan data sekunder yang diperoleh dari laporan tahunan (annual report). Pengolahan data menggunakan SPSS versi 25, dengan pengujian regresi linier berganda. Hasil penelitian menunjukkan bahwa secara parsial, variabel CAR, ROA, BOPO, dan NIM tidak memiliki pengaruh yang signifikan terhadap pertumbuhan laba Bank BUMN. Sementara pengujian secara simultan, variabel independen berpengaruh terhadap pertumbuhan laba Bank BUMN. Pertumbuhan laba pada Bank BUMN periode 2011-2020 dipengaruhi oleh variabel CAR, ROA, BOPO, dan NIM sebesar 23,8%. Sedangkan sisanya sebesar 76,2% dijelaskan oleh variabel lain di luar model penelitian ini.

scholarly journals PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), DAN NET INTEREST MARGIN (NIM) TERHADAP RETURN ON ASSETS (ROA) PADA BANK UMUM SWASTA NASIONAL DEVISA YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2015-2017

2019 ◽  
Vol 11 (1) ◽  
pp. 296
Author(s):  
Moch Irfan ◽  
I Wayan Suwendra ◽  
I Nyoman Sujana
Keyword(s):  
Capital Adequacy ◽  
P Value ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Penelitian ini bertujuan untuk mengetahui pengaruh (CAR) terhadap (ROA), untuk mengetahui  pengaruh  (LDR)  terhadap  (ROA),  untuk  mengetahui  pengaruh  (NIM) terhadap (ROA), dan untuk mengetahui pengaruh (CAR), (LDR), dan (NIM) terhadap (ROA) pada bank umum swasta nasional devisa yang terdaftar di Bursa Efek Indonesia 2015-2017. Penelitian ini menggunakan rancangan penelitian kuantitatif kausal. Subjek penelitian ini adalah Bank Umum Swastra Nasional Devisa periode 2015-2017. Objek dalam penelitian ini adalah laporan keuangan yang terdiri dari ratio-ratio antara lain CAR, LDR,  NIM  dan  ROA  tahun  2015-2017.  Data  yang  diperoleh  dikumpulkan  dengan menggunakan metode dokumentasi. Hasil penelitian ini adalah terdapat pengaruh CAR terhadap ROA. Hal ini dapat dilihat dari hasil yang menunjukkan nilai t sebesar 2,108 dengan p-value = 0,040 < α = 0,05. Terdapat pengaruh LDR terhadap ROA. Hal ini dapat dilihat dari hasil yang menunjukkan nilai t sebesar 2,829 dengan p-value = 0,000 < α = 0,05. Terdapat pengaruh NIM terhadap ROA. Hal ini dapat dilihat dari hasil yang menunjukkan nilai t 2,200 dengan p-value = 0,032 < α = 0,05. Terdapat pengaruh CAR, LDR, dan NIM terhadap ROA. Hal ini dapat dilihat dari hasil yang menunjukkan nilai F hitung sebesar 42,492 dengan p-value = 0,000 < α = 0,05.

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 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 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 FAKTOR PENENTU DAN INDIKATOR EKONOMI PADA NET INTEREST MARGIN BANK SYARIAH

2020 ◽  
Vol 7 (11) ◽  
pp. 2074
Author(s):  
Lailatul Ayuni ◽  
Lina Nugraha Rani
Keyword(s):  
Panel Data ◽  
Commercial Banks ◽  
Annual Report ◽  
Liquidity Risk ◽  
Capital Adequacy ◽  
Influential Factor ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh faktor penentu Margin Bank Umum Syariah melalui variabel Capital Adequacy Ratio, Risiko Likuiditas, NPF, Bank Size dan indikator makroekonomi GDP dan Inflasi terhadap Net Interest Margin Periode 2011 - 2018 secara simultan dan parsial. Pengambilan sampel dengan teknik Purposive Sampling diperoleh 11 Bank Umum Syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis regresi data panel. Data penelitian diambil dari website resmi yang dipublikasikan oleh Bank Indonesia (BI) dan Otoritas Jasa Keuangan (OJK) serta Annual Report masing – masing bank. Hasil penelitian menunjukkan adanya pengaruh signifikan antara CAR, Risiko Likuiditas, Bank Size, GDP, terhadap NIM Bank Umum Syariah. Sedangkan untuk variabel NPF dan Inflasi tidak berpengaruh signifikan. Hasil menunjukkan variabel GDP merupakan faktor yang paling berpengaruh pada Determinan Margin Bank Umum Syariah. Berdasarkan hasil penelitian tersebut, diharapkan pemerintah atau regulator dapat membantu peran perbankan dalam memberikan kebijakan dengan bentuk penyempurnaan keberpihakan regulasi dalam mendukung perbankan syariah.Kata Kunci: Net Interest Margin, Capital Adequacy Ratio, Risiko Likuiditas, Net Performing Financing, Bank Size, Makroekonomi, Bank Umum Syariah ABSTRACTThis study aims to determine the influence of the determinants of Shariah commercial bank margin through the variables of Capital Adequacy Ratio, Liquidity Risk, NPF, Bank Size and macroeconomic indicators of GDP and Inflation on the Net Interest Margin Period 2011 - 2018 simultaneously and partially. Sampling with purposive sampling technique obtained 11 Islamic Shariah commercial banks. This study uses a quantitative approach with panel data regression analysis techniques. The research data is taken from the official website published by Bank Indonesia (BI) and the Financial Services Authority (OJK) as well as the Annual Report of each bank. The results showed a significant influence between CAR, Liquidity Risk, Bank Size, GDP, on the NIM of Shariah Commercial Banks. Meanwhile, the NPF and inflation variables do not have a significant effect. The results showed that the GDP variable is the most influential factor on the Margin Determinants of Shariah Commercial Banks. Based on the results of this study, it is expected that the government or regulators can assist the role of banks in providing policies by improving regulatory alignments in supporting Islamic banking.Keywords: Net Interest Margin, Capital Adequacy Ratio, Liquidity Risk, Net Performing Financing, Bank Size, Macroeconomics, Sharia  Banks

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