PENGARUH KINERJA KEUANGAN TERHADAP PERTUMBUHAN LABA BANK UMUM DI INDONESIA

2019 ◽  
Vol 2 (1) ◽  
pp. 1-9
Author(s):  
Rizky Dwi Taruna ◽  
Setiawan Setiawan
Keyword(s):  
Commercial Banks ◽  
Quantitative Data ◽  
Capital Adequacy ◽  
Financial Statement ◽  
Operational Cost ◽  
Analysis Method ◽  
Capital Adequacy Ratio ◽  
Research Show ◽  
Operating Revenue ◽  
Profit Growth

The purpose of this research is to know the effect of Capital Adequacy Ratio (CAR), Operational Cost on Operating Revenue (OCOR) and Interest Risk Ratio (IRR) on Profit Growth partially or simultaneously at Bank BUKU III and BUKU IV in Indonesia period 2013-2017.The sample in this research are commercial banks in Indonesia which are included in the category of BUKU III and BUKU IV period 2013-2017 which contained 18 banks. The data used in this research is quantitative data obtained from the financial statement publications of bank. Data analysis method used is linear regression model.The results obtained from the research show partially CAR variable does not significantly influence but BOPO and IRR variables significantly influence the profit growth. Simultaneously variable CAR, BOPO and IRR have significant effect to profit growth. Simultaneously affect the profit growth by 17% and the remaining 83% influenced by other factor outside this research.

KEMAMPUAN MENINGKATKAN PERTUMBUHAN LABA PERBANKAN DILIHAT DARI PENGARUH KESEHATAN KEUANGAN BANK

2018 ◽  
Vol 3 (2) ◽  
pp. 135-144
Author(s):  
Tyahya Whisnu Hendratni ◽  
Nana Nawasiah ◽  
Trisnani Indriati
Keyword(s):  
Quantitative Data ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Operating Costs ◽  
Publicly Traded ◽  
Earnings Growth ◽  
Capital Adequacy Ratio ◽  
Profit Growth

The purpose of this study was to determine the effect of the ratio of Capital Adequacy Ratio (CAR), Loan to Deposite Ratio (LDR), Operational Income Operating Costs (BOPO) to Bank Profit Growth both partially and simultaneously at publicly traded bank companies in the Indonesia Stock Exchange (IDX ) period 2012 - 2016. The sample of this study is Commercial Banks in Indonesia which are listed on the Indonesia Stock Exchange (IDX) for the period of 2012 up to 2016 totaling 14 banks. This study uses quantitative data obtained from the Indonesia Stock Exchange with a method using multiple linear regression analysis. The results of the study show that simultaneously the CAR, BOPO, LDR variables affect earnings growth by 79% and the remaining 21% are influenced by other factors outside this research. Partially BOPO has a positive and significant effect on profit growth. While the CAR and LDR variables show that the results have no positive and insignificant effect on profit growth. Keywords: Profit Growth, CAR, BOPO, LDR

scholarly journals PENGARUH RASIO CAPITAL ADEQUACY, LOAN TO DEPOSIT, NET INTEREST MARGIN TERHADAP PERTUMBUHANLABA (STUDI KASUS PADA BANK UMUM KONVENSIONALYANG TERDAFTAR DI BURSA EFEK INDONESIA)

AKUNTABILITAS ◽  
2019 ◽  
Vol 11 (2) ◽  
pp. 115-126
Author(s):  
Bambang Suryadi ◽  
Lis Djuniar
Keyword(s):  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Test Results ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Research Population ◽  
Profit Growth ◽  
Interest Margin

This study is how Influence Ratio Capital Adequacy Ratio, Loan to Deposit Ratio, Net Interest Margin Against Profit Growth at Conventional Commercial Banks Listed on Indonesia Stock Exchange. the purpose of this study is to analyze the Influence of Capital Adequacy Ratio Ratio, Loan to Deposit Ratio, Net Interest Margin on Profit Growth at Conventional Commercial Banks Listed on Indonesia Stock Exchange. The type of research used is associative research. The research population is conventional commercial bank in Indonesia. The research variables are Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), and Profit Growth. The data used is secondary data. Data collection methods are quantitative. Partial test results show that NIM has a significant effect on Profit Growth, While CAR and LDR have no significant effect to Profit Growth.

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 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.

scholarly journals Impact of risk management strategies on the credit risk faced by commercial banks of Balochistan

2019 ◽  
Vol 5 (1) ◽  
Author(s):  
Zia Ur Rehman ◽  
Noor Muhammad ◽  
Bilal Sarwar ◽  
Muhammad Asif Raz
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Banks ◽  
Quantitative Data ◽  
Management Strategies ◽  
Capital Adequacy ◽  
Regression Analyses ◽  
Credit Risk Management ◽  
Capital Adequacy Ratio ◽  
Risk Management Strategies

AbstractThis study aims to identify risk management strategies undertaken by the commercial banks of Balochistan, Pakistan, to mitigate or eliminate credit risk. The findings of the study are significant as commercial banks will understand the effectiveness of various risk management strategies and may apply them for minimizing credit risk. This explanatory study analyses the opinions of the employees of selected commercial banks about which strategies are useful for mitigating credit risk. Quantitative data was collected from 250 employees of commercial banks to perform multiple regression analyses, which were used for the analysis. The results identified four areas of impact on credit risk management (CRM): corporate governance exerts the greatest impact, followed by diversification, which plays a significant role, hedging and, finally, the bank’s Capital Adequacy Ratio. This study highlights these four risk management strategies, which are critical for commercial banks to resolve their credit risk.

scholarly journals ANALISIS TINGKAT KESEHATAN BANK DAN PERTUMBUHAN LABA PADA PERUSAHAAN SEKTOR PERBANKAN DI INDONESIA

2019 ◽  
Author(s):  
Resa Katriani ◽  
Aminar Sutra Dewi
Keyword(s):  
Regression Analysis ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Analysis Method ◽  
Return On Assets ◽  
Public Funds ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Data Regression ◽  
Profit Growth

Competition between banks in collecting public funds and redistributing inthe form of credit in many deviant practices, this deviation will cause a decline inbanking performance that will affect the profit growth of a bank. This study aimsto determine whether CAMEL has an influence on the profit growth of bankingcompanies on the Indonesia Stock Exchange (IDX). The ratio used in this study isCapital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Return On Assets(ROA) and Loan To Deposit (LDR). The sample of this study were 20 bankingcompanies listed on the Indonesia Stock Exchange (BEI) in 2013-2017. This studyuses panel data regression analysis method. The results of the tests conductedfound that the Capital Adequacy Ratio (CAR) had a positive and significant effect onprofit growth. While Non-Performing Loan (NPL), Return On Assets (ROA), andLoan To Deposits (LDR) have no significant effect on profit growth

scholarly journals Pengaruh Capital Adequacy Rasio, Dana Pihak Ketiga, dan Non Performing Loan, terhadap Profitabilitas dengan LDR sebagai Variabel Intervening pada Bank Umum Konvensional di Indonesia

2021 ◽  
Vol 9 (1) ◽  
pp. 437
Author(s):  
Ivan Lisfi Alphamalana ◽  
Sista Paramita
Keyword(s):  
Commercial Banks ◽  
Quantitative Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Analysis Tool ◽  
Capital Adequacy Ratio ◽  
Research Population ◽  
Statistical Analysis Tool ◽  
Intervening Variables ◽  
Research Type

The Bank is an institution that has a role as a financial intermediary between parties who need funds and can facilitate the payment flows. Additionally, The Bank has a function as industries that rely on public trust, so the health level of the Bank needs to be maintained. Profitability is essential for a bank because it measures a company's effectiveness in generating profits by maximizing its assets. This research aim is to investigate the effect of Capital Adequacy Ratio (CAR), Third Parties Funds (TPF), dan Non-Performing Loan (NPL), on Profitability with LDR as Intervening Variables. This research population is conventional commercial banks in Indonesia between 2012 to 2016. This research type is causality research using quantitative data—the sampling technique using a purposive sampling total of 150 samples. The statistical analysis tool in this research is lane analysis with software versions of AMOS 22 and IBM SPSS. The conclusion from this research results that CAR, TAPI F, and NPL variables affect LDR. The CAR, TPF, and LDR variables have not affected profitability, while the NPL variable affects profitability. Furthermore, CAR, TPF, and NPL cannot mediated by LDR.

scholarly journals Quantitative Analysis of The Profitability of China’s Commercial Banks Based on Factor Analysis

2021 ◽  
Vol 6 (1) ◽  
pp. 392
Author(s):  
Ying Wei ◽  
Jiaming Zhu ◽  
Qingling Liu
Keyword(s):  
Factor Analysis ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Annual Data ◽  
Analysis Method ◽  
Profit Margins ◽  
Development Level ◽  
Capital Adequacy Ratio ◽  
Comprehensive Development ◽  
Better Than

The profitability of a commercial bank is an important factor to measure its comprehensive development level. Taking the 2019 annual data of China’s 16 listed commercial banks as a research sample, the factor analysis method is used to empirically analyze the profitability of each bank, extract four public factors, and calculate the comprehensive score of each bank’s profitability. The research results show that the non-performing loan ratio and risk of joint-stock banks are higher, and the capital adequacy ratio is lower. The comprehensive profitability and anti-risk ability of state-owned banks are better than joint-stock banks, and their finances are more stable. This suggests that commercial banks should strengthen their risk control while increasing their profit margins.

scholarly journals PROFIT DISTRIBUTION MANAGEMENT PADA BANK SYARIAH

2018 ◽  
Vol 2 (1) ◽  
pp. 31
Author(s):  
Fitriyana Fitri ◽  
Komala Adriyani ◽  
Catur Ragil Sutrisno
Keyword(s):  
Commercial Banks ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Third Party ◽  
Operational Cost ◽  
Distribution Management ◽  
Operating Income ◽  
Purposive Sampling ◽  
Profit Distribution ◽  
Capital Adequacy Ratio

This study aims to analyze the influence of the proportion of third party funds (DPK), operational cost to operating income (BOPO), financing to deposit ratio (FDR), bank size and capital adequacy ratio (CAR) to profit distribution management at Sharia Bank. The population is all Sharia Commercial Banks in Indonesia, the period of 2012-2015. Samples were taken using purposive sampling technique. The results show that third party funds (DPK), finance to deposit ratio (FDR) and bank size have no significant effect on profit distribution management (PDM). While BOPO and capital adequacy ratio (CAR) have a significant effect on profit distribution management (PDM).

Analisis Pengaruh Kinerja Keuangan terhadap Pertumbuhan Laba pada Bank Umum Syariah di Indonesia

2021 ◽  
Vol 2 (1) ◽  
pp. 1
Author(s):  
Zhanalia Fitrianisa ◽  
Siti Hidayati ◽  
Sugianto Sugianto
Keyword(s):  
Financial Performance ◽  
Financial Services ◽  
Commercial Banks ◽  
Operational Efficiency ◽  
Capital Adequacy ◽  
Sample Collection ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Profit Growth

AbstractIslamic banking, which is an important foundation in the movement of the country's economy, is required to have good financial performance by competing for the maximum profit. This is an implication of the demands of an increasingly advanced global economy. This study aims to analyze financial performance factors using capital, liquidity and operational efficiency variables on the profit growth of Islamic Commercial Banks (BUS) registered with the Financial Services Authority (OJK) for the period 2015 to 2019. This study uses a quantitative approach. The data used in this study is secondary data with a sample collection method using saturated sampling of 14 Islamic Commercial Banks. Data analysis in this study was carried out using panel data regression analysis with the E-Views version 10.0 program with a significance level of 5%. The results of this study indicate that capital (Capital Adequacy Ratio) has a negative effect on profit growth. In addition, liquidity (Financing Debt to Ratio) has a positive effect on profit growth. And the operational efficiency variable (Operational Expenses on Operating Income) has a negative effect on profit growth.AbstrakPerbankan syariah yang merupakan pondasi penting dalam pergerakan perekonomian negara, dituntut untuk memiliki kinerja keuangan yang baik dengan bersaing mendapatkan laba sebesar-besarnya. Hal ini merupakan implikasi dari adanya tuntutan perekonomian global yang semakin maju. Penelitian ini bertujuan untuk menganalisa faktor-faktor kinerja keuangan dengan menggunakan variabel permodalan, likuiditas dan efisiensi operasional terhadap pertumbuhan laba Bank Umum Syariah (BUS) yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2015 sampai 2019. Penelitian ini menggunakan pendekatan kuantitatif. Data yang digunakan dalam penelitian adalah data sekunder dengan metode pengumpulan sampel menggunakan sampling jenuh terhadap 14 Bank Umum Syariah. Analisis data dalam penelitian ini dilakukan dengan menggunakan analisis regresi data panel dengan program E-Views versi 10.0 dengan taraf signifikansi 5%. Hasil dari penelitian ini menunjukkan bahwa permodalan (Capital Adequacy Ratio) berpengaruh negatif terhadap pertumbuhan laba. Selain itu, likuiditas (Financing Debt to Ratio) berpengaruh positif terhadap pertumbuhan laba. Dan variabel efisiensi operasional (Beban Operasional terhadap Pendapatan Operasional) berpengaruh negatif terhadap pertumbuhan laba.

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