Dana Pihak Ketiga, Rasio Kecukupan Modal, Pembiyaan Bermasalah, Dan Tingkat Pengembalian Investasi Pada Pembiayaan UMKM

Liquidity ◽  
2018 ◽  
Vol 5 (2) ◽  
pp. 127-133
Author(s):  
Oki Irawan ◽  
Jafril Khalil ◽  
Riawan Amin
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Return On Investment ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Independent Variables ◽  
Capital Adequacy Ratio

This study aims to determine the effect of third party funds, capital adequacy ratio, problem financing, and return on investment on MSME financing with case studies at Bank Muamalat, Bank Syariah Mandiri and Bank Syariah Mega. This study uses multiple linear regression analysis. The results of this study indicate that the independent variables (the amount of third party funds, capital adequacy ratio, non perfoming financing, return on assets) as a whole contribute or contribute to the dependent variable (financing of SMEs) of 73.6% and the remaining 26.4% of other variables Not included and examined in the equation.

scholarly journals Analysis of the effect of third party fund, capital adequacy ratio, and loan to deposit ratio on bank‟s profitability after the application of IFRS

2017 ◽  
Vol 6 (1) ◽  
pp. 81
Author(s):  
You Are Nita Sari ◽  
Nur Suci I Mei Murni
Keyword(s):  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Commercial Banking ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Independent Variables ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

The objective of this research is to analyze the effect of third party fund, capital adequacy ratio, and loan to deposit ratio on bank’s profitability after the application of IFRS. The bank’s profitability in this study is measured using return on assets (ROA). The samples used are 22 conventional commercial banking companies listed on the Indonesia Stock Exchange in the period from 2012 to 2013, which are selected through purposive sam-pling method. The analysis technique used is multiple linear regression analysis. The results of this study indicate that: (1) the variables of third party funds (TPF), capital adequacy ratio (CAR), and loan to deposit ratio (LDR) simultaneously have significant effect on return on assets (ROA); (2) the variable of third party fund (TPF) partially has positive but not significant effect on return on assets (ROA); (3) the variable of capital adequacy ratio (CAR) partially has positive and significant effect on return on assets (ROA); (4) the variable of loan to deposit ratio (LDR) partially has positive but not sig-nificant effect on return on assets (ROA) in conventional commercial banking companies listed on the Indonesia Stock Exchange (after the implementation of IFRS. The ability of the independent variables to explain the dependent variable in this study is 17.8%, while the remaining 82.2% is explained by other variables outside the models studied.

scholarly journals PENGARUH RETURN ON ASSETS (ROA), NON PERFORMING LOAN (NPL), DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP PERTUMBUHAN LABA (Studi pada PT BPR Cianjur periode 2007-2016)

2019 ◽  
Vol 4 (2) ◽  
pp. 1185-1200
Author(s):  
Muhammad Ali
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Hypothesis Test ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Application Software ◽  
Return On Assets ◽  
Earnings Growth ◽  
Capital Adequacy Ratio

The purpose of this study is determining how much influence of Return On Assets (ROA), Non-Performing Loan (NPL) and Capital Adequacy Ratio (CAR) either partially or simultaneously toward of Earnings Growth at PT BPR Cianjur in period 2007-2016. The methods used in this research are descriptive and associative methods. To determine the influence of these variables used multiple linear regression analysis. And then doing hypothesis test of partial t test and F test of simultaneously using application software SPSS 22. The Result of this study shows an average of the year 2007-2016 from Return on Assets (ROA) amounted to 4,4230, Non-Performing Loan (NPL) amounted to 7,6630, Capital Adequacy Ratio (CAR) amounted 35,2110, and Earnings Growth amounted 22,20. Based upon the research, there is results that Return On Assets (ROA), Non-Performing Loan (NPL) is not significant on Earnings Growth, and Capital Adequacy Ratio (CAR) has a positive significant effect on Earnings Growth. The simultaneous Return On Assets (ROA), Non-Performing Loan (NPL) and Capital Adequacy Ratio (CAR) significantly effects on Earnings Growth.

scholarly journals ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), DAN BIAYA OPERASIONAL DIBANDINGKAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2015-2017

KEUNIS ◽  
2019 ◽  
Vol 7 (2) ◽  
pp. 78
Author(s):  
Wisnu Adi Wibowo ◽  
Nina Woelan Soebroto ◽  
Embun Duriany Soemarso
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Significant Influence ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Financial Reports ◽  
Capital Adequacy Ratio ◽  
Cost Effect

<em>This study aims to analyze the influence of Ratio Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO) partially or simultaneously to Return On Assets (ROA) at Bank Umum Syariah in Indonesia., The period 2015-2017. The data used in this study obtained from the quarterly financial reports through the website. Population and sample in this research is Bank Syariah Mandiri, Bank Mega Syariah and Bank BNI Syariah. The results of hypothesis testing using multiple linear regression analysis using SPSS 16. The result of determination coefficient shows the result of 0,774 or 77,4% of variable Return On Assets (ROA) influenced by Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO), the remaining 22,6% is influenced by other factors. The results of the F test or simultaneously Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO) together have a significant effect on Return On Assets (ROA). While t test or partially, Operational Income Cost Effect (BOPO) have significant influence to Return On Assets (ROA) while Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) has no significant effect to Return On Assets (ROA) on Bank Umum Syariah in Indonesia Period 2015-2017.</em>

scholarly journals Analisis Pengaruh CAR, FDR, NPF, dan Pertumbuhan DPK Terhadap Profitabilitas Pada Industri Bank Pembiayaan Rakyat Syariah di Indonesia Tahun 2011-2015

2017 ◽  
Vol 4 (9) ◽  
pp. 741
Author(s):  
Retno Wulandari ◽  
Atina Shofawati
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Third Party ◽  
Analysis Method ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Approach Method

This research aims to analyze the influence of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), and Third Party Fund Growth (DPK growth) to Return On Assets (ROA) of Islamic Rural Bank in Indonesia. All data that uses in this research contained from Sharia Banking Statistic (SPS) Bank Indonesia. This research used the quantitative approach method. The data analysis method used in this research is multiple linear regression analysis. Based on the results of this research showed that simultaneously CAR, FDR, NPF, and DPK growth had significant effect to ROA with significant value 0,000. Partially, CAR had not significant effect to ROA, but FDR, NPF, and DPK growth partially had significant effect to ROA. The ability of CAR, FDR, NPF, and DPK growth in explaining ROA ratio of 58%, and the remaining 42% was explained by other variables outside the model used in this research.

scholarly journals PENGARUH DANA PIHAK KETIGA DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSETS (ROA) PADA PERBANKAN BUMN PERIODE 2010-2019

2021 ◽  
Vol 10 (2) ◽  
pp. 196-213
Author(s):  
Farida Citra Dewi ◽  
Heikal Muhammad Zakaria
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Sampling Method ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Third Party ◽  
Analysis Method ◽  
Return On Assets

This study aims to determine the Effect of Third Party Funds and Loan to Deposit Ratio (LDR) on Return on Assets (ROA). This research was conducted at SOE Banks listed on the Indonesia Stock Exchange Period 2010-2019. This study uses multiple linear regression analysis method with a total sampling method. The results showed that: Third Party Funds had a positive and significant effect on Return on Assets (ROA). Loan to Deposit Ratio (LDR) has no significant effect on Return on Assets (ROA). Simultaneous Third Party Funds and Loan to Deposit Ratio (LDR) have a significant effect on Return on Assets (ROA).

scholarly journals Pengaruh FDR, NPF, ROA, CAR Terhadap Pembiayaan Mudharabah (Studi Empiris Pada Bank Umum Syariah Yang Terdaftar Di Bank Indonesia Pada Tahun 2015-2019)

2020 ◽  
Vol 1 (2) ◽  
pp. 86-93
Author(s):  
Arini Wildaniyati
Keyword(s):  
Commercial Banks ◽  
Quantitative Methods ◽  
Sampling Method ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Analysis Method ◽  
Return On Assets ◽  
Independent Variables ◽  
Capital Adequacy Ratio

Abstract: This study aims to determine the effect of Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), Retrun On Asset (ROA), and Capital Adequacy Ratio (CAR) on Mudharabah Financing in 2015-2019 both influence partially or simultaneously . The population in this study is Sharia Commercial Banks (BUS) in Indonesia and registered with Bank Indonesia 2015-2019. The sampling method used was Purposive Sampling with certain criteria to obtain 9 Sharia Commercial Banks (BUS). This research uses quantitative methods. The independent variables in this study are Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), Retrun On Asset (ROA), and Capital Adequacy Ratio (CAR). While the dependent variable in this study is Mudharabah Financing. The data analysis method used is multiple linear regression analysis and classic assumption test. The results of this study indicate that partially the Return on Asset (ROA) variable has an effect on Mudharabah Financing, while Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), and Capital Adequacy Ratio (CAR) have no effect on Mudharabah Financing. Simultaneously, Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), Return On Assets (ROA), and Capital Adequacy Ratio (CAR) has no effect on Mudharabah Financing in Islamic Banks in Indonesia.Keywords: Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), Retrun On Asset (ROA), dan Capital Adequacy Ratio (CAR), Pembiayaan Mudharabah

scholarly journals Influence Capital Adequacy Ratio and Loan to Deposit Ratio to The Company's Stock Price Bankings Listed On BEI

2021 ◽  
Vol 3 (2) ◽  
pp. 67-76
Author(s):  
Thezar Fiqih Hidayat Hasibuan, Riza Fanny Meutia
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Analytical Method ◽  
Stock Price ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Share Price ◽  
Capital Adequacy Ratio

This study aims to examine the effect of Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) to the Share Price. The object of this research is 44 banking companies listed on the Indonesia Stock Exchange from 2014-2018. Samples were selected using the methodpurposive sampling namely 25 companies. The analytical method used in this research is multiple linear regression analysis. The results of this study indicate that the variableCapital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) does not have a direct effect on the Stock Price variable

scholarly journals PENGARUH RISK BASED CAPITAL DAN PENDAPATAN INVESTASI TERHADAP RETURN ON ASSET

2020 ◽  
Vol 5 (1) ◽  
pp. 23
Author(s):  
Hanafi Hanafi ◽  
Diding Apendi
Keyword(s):  
Regression Analysis ◽  
Quantitative Methods ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Insurance Companies ◽  
Insurance Company ◽  
Return On Assets ◽  
Independent Variables ◽  
Investment Income

Risk Based Capital is a ratio to measure the level of capital adequacy in insurance companies. Insurance income is one of them from investment income, because insurance operations by investing their assets in order to generate profits. Return On Asset is a ratio that describes insurance in managing funds invested in overall assets. The formulation of the problem in the study: 1). How does the effect of risk based capital and investment income partially affect the return on assets of insurance companies in the FSA 2013-2018? 2). How does the effect of risk based capital and investment income simultaneously affect the return on assets of the Insurance Company in OJK 2013-2018? 3). How much influence does risk based capital and investment income have on return on assets for insurance companies in the OJK 2013-2018? This research uses quantitative methods with multiple linear regression analysis. Conclusion Hypothesis testing shows the value of tcount for risk based capital variable tcount risk based capital of -2.488. t table is 2.018082. So t arithmetic -2.488 <table 2.018082, Ho is accepted, risk based capital affects the return on assets. And the Investment Income of tcount is -0,993. Obtained t table is 2.018082. So t arithmetic -0.993 <table 2.018082, Ho is accepted, there is no real influence between investment income and return on assets. Fcount 3.610 and F table 3.22. Ho is rejected independent variables significantly influence the dependent variable. Risk Based Capital and Investment Income influence on Return On Assets (ROA) of 16%.

scholarly journals The Variables that Affect Murābaḥa Financing in Islamic Commercial Banks

2017 ◽  
Vol 4 (2) ◽  
pp. 1-16
Author(s):  
Uus Ahmad Husaeni
Keyword(s):  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Sample Selection ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Commercial Banking ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Capital Adequacy Ratio

Murābaḥa financing is a type of financing that dominates the financing contract on Islamic banking in Indonesia. This shows that financing on the basis of sale (murābaḥa) has a greater contribution than the financing of the basis for the profit and loss sharing (muḍāraba and muṣāraka). The purpose of this study is to determine the factors that affect the financing of murābaḥa in the Islamic Commercial Banking in Indonesia by using variables Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF) and Return on Assets (ROA). The population in this study is the performance of Islamic Commercial Banks in Indonesia in the period of January 2014 to June 2016. The data used in this research is secondary data and sample selection by using purposive sampling method. The analytical tool used in this research is multiple linear regression analysis at significantly the rate of 5%. The results of this study indicate that the variable DPK, CAR, FDR, NPF, and ROA simultaneously have an influence on Murābaḥa. Coefficient determination test results show that the five independent variables affect the dependent variable amounted to 87.6% and the remaining 12.4% is influenced by other variables. Partially DPK, CAR, FDR, and ROA have a positive and significant effect on the financing Murābaḥa. While the NPF has no influence on Murābaḥa financing.

scholarly journals Kinerja Pembiayaan UMKM Terhadap Profitabilitas Bank Umum Syariah di Indonesia

2020 ◽  
Vol 1 (1) ◽  
pp. 152-159
Author(s):  
Marwah Nur Al-Zauqi ◽  
Iwan Setiawan
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Capital Adequacy Ratio ◽  
Positive Effect

This study aims to determine how MSME financing and Capital Adequacy affect the profits of Islamic commercial banks. This study uses a quantitative approach that analyze secondary data from statistic of Islamic Bank in Indonesia period 2016-2019.  The analysis used multiple linear regression analysis methods. Data processing uses eviews program. The results of this study indicate that MSME financing has a significant positive effect on Return on Asset. Capital Adequacy Ratio has a significant positive effect on Return on Asset. MSME financing and Capital Adequacy Ratio has a simultant effect to Return on Asset. The results of this study are expected to be a material consideration for Islamic commercial banks in providing MSME financing and maintaining capital adequacy.

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