scholarly journals Analysis of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and Net Interest Margin (NIM) in Predicting Financial Distress in Financial Reports of PT. Bank Rakyat Indonesia (Persero) Tbk

2021 ◽  
Vol 3 (2) ◽  
pp. 81-90
Author(s):  
Julie Abdullah ◽  
Wahyudin Hasan ◽  
Sri Yulan Dusa
Keyword(s):  
Data Analysis ◽  
Financial Distress ◽  
Qualitative Data ◽  
Good Condition ◽  
Capital Adequacy ◽  
Financial Problems ◽  
Financial Reports ◽  
Financial Ratio ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

The present work investigates and predicts the condition of financial distress in PT Bank Rakyat Indonesia (persero) Tbk, Unit Wonosari. All data, comprising quantitative and qualitative data, were analyzed based on the financial ratio.  These data were retrieved from observation and direct interviews. Based on the data analysis, the hypothesis stating that PT Bank Rakyat Indonesia (persero) Tbk Unit Wonosari did not experience financial distress was accepted. This is because the results of the measurement of CAR, NPL, and NIM of the bank are in good condition (CAR and NIM fell under a very good category, and NPL fell under the good category). It can be concluded that PT Bank Rakyat Indonesia (persero) Tbk Unit Wonosari did not experience financial problems.

scholarly journals Pengaruh Kinerja Keuangan dan Kebijakan Restrukturisasi Kredit pada Nilai Perusahaan Perbankan di Bursa Efek Indonesia

2021 ◽  
Vol 31 (6) ◽  
pp. 1494
Author(s):  
Putu Pryanka Chitta Surya ◽  
Made Gede Wirakusuma
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Firm Value ◽  
Sampling Method ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Financial Reports ◽  
Company Value ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

This study aims to obtain empirical evidence of the effect of Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and credit restructuring policies on the value of banking firms on the Indonesia Stock Exchange. The research was conducted by analyzing quarterly financial reports published on the Indonesia Stock Exchange website which contained information on banking financial performance ratios, credit restructuring policies, and company value using the PBV method. The Sampling method uses purposive sampling method. The data analysis technique uses multiple linear regression. The results showed that NPL had a negative and significant effect on firm value, LDR had a positive and significant effect on firm value. CAR has a positive and significant effect on firm value. The Credit Restructuring Policy has a negative and significant effect on firm value. Keywords: Non Performing Loans; Loan to Deposit Ratio; Capital Adequacy Ratio; Credit Restructuring Policy; Company Value.

scholarly journals CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN, NET INTEREST MARGIN, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL DAN LOAN TO DEPOSIT RATIO TERHADAP FINANCIAL DISTRESS

2018 ◽  
Vol 10 (2) ◽  
pp. 90-98
Author(s):  
Baiq Defika Zahronyana ◽  
Dewa P.K. Mahardika
Keyword(s):  
Logistic Regression ◽  
Commercial Bank ◽  
Financial Distress ◽  
Sampling Technique ◽  
Model Analysis ◽  
Capital Adequacy ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Research Population

The purpose of this research is to determine the effect of CAR, NPL, NIM, BOPO, LDR on the fianancial distress of BUMN Commercial Bank either simultaneously or partially. BUMN Commercial Bank in 2012-2016 was selected as a research population. The purposive sampling technique was used for sampling and obtained samples as much of 4 companies with a five-year period every three months, resulting 80 data to be observed. The Model analysis in this research is logistic regression by using software SPSS 20. The results showed that the variables CAR,NPL,NIM,BOPO,LDR simultaneously affect the financial distress. Partially NPL,NIM, and BOPO variables don’t have effect on financial distress, while CAR variable has significant negative has effect to financial distress and LDR variable significant positf has effect on financial distress.

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).

scholarly journals INFLUENCE OF NPL, BOPO, CAR, NIM AND LDR ON AUDIT OPINION (GC) WITH INTERVENING (ROA)

2019 ◽  
Vol 2 (3) ◽  
pp. 215
Author(s):  
Syarifudin Syarifudin
Keyword(s):  
Linear Regression ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Financial Ratio ◽  
Audit Opinion ◽  
Going Concern ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Going Concern Opinion ◽  
Interest Margin

This research aims to test the financial ratio as an indicator of financial soundness such as variables Non Performing Loan(NPL), Operational expense to Operational income(BOPO), Capital Adequacy Ratio(CAR), Loan to deposit Ratio(LDR),Net Interest Margin(NIM) and Return On Asset on the acceptance of going concern audit opinion. The object of this research is the banking companies listed in Indonesia Stock Exchange in 2012 - 2016. Technique sample is saturated sample.The statistical analysis use logistic regression,Linear regression,Simple linear regression and path analysis. Opinion given by the auditor is one of the considerations from auditor to indicate existence of conditions and events whether there is substantial doubt on the company's ability to survive (going concern). Opinion going concern is used as an early warning for user’s of financial statements to avoid mistakes  before decide. The result of research for hypothesis 1 can be seen that Non Performing Loan(NPL) and Capital Adequacy Ratio(CAR) does not have a significant effect on Return On Asset’s, while Operational expense to Operational income(BOPO), Loan to deposit Ratio(LDR) and Net Interest Margin(NIM) have as significant effect on Return On Asset.The result of research for hypothesis II can be seen that Non Performing Loan(NPL) and Capital Adequacy Ratio(CAR), Operational expense to Operational income(BOPO), Loan to deposit Ratio(LDR) does not have a significant effect on going concern audit opinion’s, while Net Interest Margin(NIM) have as significant effect on Return On Asset on going concern audit opinion’s. and The last result of research for hypothesis III can be seen that Return On Asset have as significant effect on going concern audit opinion’s.

scholarly journals ROA DETERMINANTS AND IMPACTS ON CAR (STUDY IN THE FIVE LARGEST PRIVATE BANKS IN INDONESIA 2009-2018)

2020 ◽  
Vol 1 (4) ◽  
pp. 629-641
Author(s):  
M. Noor Salim ◽  
Lucya Oktavia Mundung
Keyword(s):  
Fixed Effect Model ◽  
Capital Adequacy ◽  
Research Model ◽  
Return On Assets ◽  
Financial Reports ◽  
Net Interest Margin ◽  
Effect Model ◽  
Capital Adequacy Ratio ◽  
Private Banks ◽  
Interest Margin

This study aims to analyze the effect of Loan to Deposit Ratio (LDR) and Net Interest Margin (NIM) on Return on Assets (ROA) and the influence of Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) and Return on Assets (ROA) to the Capital Adequacy Ratio (CAR) of the five largest private banks in Indonesia in the 2009 - 2018 period. The sample used in this study consisted of 5 conventional private banks listed on the IDX. This study uses panel data obtained from Bank Indonesia reports and annual financial reports that have been audited and published by sample banks on the IDX By using the Fixed Effect Model with the help of Eviews 10, the F test shows that the LDR and NIM variables together have a significant effect on ROA of 77.69% while the remaining 22.31% is influenced by other factors not included in the research model. LDR, NIM and ROA variables together have a significant effect on CAR of 42.85% while the remaining 57.15% are influenced by other factors not included in this study where previously classical assumption tests such as Stationary, Multicollinearity, Test Heteroscedasticity and Autocorrelation test. Based on the results of the t test it was found that the LDR and NIM partially had no significant effect on ROA. LDR has a significant effect on CAR. Meanwhile, NIM and ROA partially had no significant effect on CAR

scholarly journals ANALISIS CAPITAL ADEQUACY RATIO (CAR) DAN PENILAIAN TINGKAT KESEHATAN BANK PADA PT BANK SYARIAH XXX

2020 ◽  
Vol 7 (1) ◽  
Author(s):  
Achmad Fauzi ◽  
Amor Marundha ◽  
Iwan Setyawan ◽  
Faroman Syarief ◽  
Raden Achmad Harianto ◽  
...  
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Good Condition ◽  
Capital Adequacy ◽  
Minimum Standard ◽  
Literature Study ◽  
Health Capital ◽  
Capital Adequacy Ratio ◽  
Bank Soundness ◽  
Collection Methods

Abstract:  The bank soundness rating in terms of the Capital Adequacy Ratio (CAR) is used to measure the soundness of a bank based on capital against Risk Weighted Assets (RWA). Therefore, evaluating the soundness of a bank is very important because it is useful to know the condition of the bank in a very good, good, good enough, bad or not good condition. And later it will be used by the parties concerned in making decisions. Data collection methods include the method of observation, interviews and literature study, where the discussion used is descriptive qualitative, namely the method of data analysis without using statistical methods. By looking at the case studies that occur, the focus and subfocus of research become a reference in this study. The results of the acquisition of CAR PT. Bank XXX Syariah in 2018   amounted to 16.25%, in 2017  amounted to 15.48% and in 2018  amounted to 14.92%. From the results of the acquisition of CAR, it shows that PT. Bank XXX Syariah is in a state of "Very Good" because it has met the minimum standard stipulation of Bank Indonesia CAR of 8%.Keywords: Bank Health, Capital Adequacy Ratio Abstrak: Penilaian tingkat kesehatan bank ditinjau dari Capital Adequacy Ratio (CAR) digunakan untuk mengukur tingkat kesehatan bank didasarkan pada modal terhadap Aktiva Tertimbang Menurut Risiko (ATMR). Oleh karena itu, penilaian terhadap tingkat kesehatan bank sangatlah penting karena berguna untuk mengetahui kondisi bank dalam keadaan sangat baik, baik, cukup baik, kurang baik atau tidak baik. Dan nantinya akan digunakan oleh pihak-pihak yang berkepentingan dalam mengambil keputusan. Metode pengumpulan data  meliputi metode observasi, wawancara dan studi pustaka, dimana pembahasan  yang digunakan adalah deskriptif kualitatif, yaitu metode analisis data tanpa menggunakan metode statistik.Dengan melihat pada studi kasus yang terjadi , fokus dan subfokus penelitian menjadi acuan dalam penelitian ini. Hasil perolehan CAR PT. Bank XXX Syariah pada tahun 2018   sebesar 16,25%, tahun 2017  sebesar 15,48% dan tahun 2018  sebesar 14,92%. Dari hasil perolehan CAR tersebut, menunjukkan bahwa PT. Bank XXX Syariah dalam keadaan “Sangat Baik” karena sudah memenuhi standar minimum ketetapan CAR Bank Indonesia sebesar 8%.Kata Kunci: Kesehatan Bank, Rasio Kecukupan Modal

scholarly journals ANALISIS TINGKAT PROFITABILITAS BANK DENGAN METODE RISK BASED BANK RATING

2018 ◽  
Vol 22 (2) ◽  
pp. 69-82
Author(s):  
Meliske Sitanaya
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Commercial Bank ◽  
Significant Influence ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Panel Regression ◽  
Independent Variables ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

This research aims to analyze whether the, Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM),) and Capital Adequacy Ratio (CAR) have significantinfluencesimultaneously and partially toward Return On Asset (ROA). This research classifiedthe verifiation research. The population is conventional commercial bank period 2006-2015. Sample was determined by the higher bank asset, a total of ten companies. The secondary data were taken such as from financialreport of Banks started from 2006 until 2015. The technique of data analysis in this research using panel regression analysis. ROA as a dependent variable, NPL, LDR, NIM and CAR as independent variables. Data processing using E-views 6. The result provides evidence that NPL and CAR have significantinfluencesimultaneously toward ROA, while NIM and LDR are not significantinfluencesimultaneously toward ROA. NPL partially have negative significantinfluencetoward ROA, LDR and NIM partially positive are not significantinfluencetoward ROA, and CAR partially have positive significant influence towd ROA.

scholarly journals Pengaruh Financial Ratio dan Corporate Governance terhadap Financial Distress Perbankan Syariah Indonesia Periode 2013 – 2019

2021 ◽  
Vol 1 (2) ◽  
pp. 119-131
Author(s):  
Rizky Syaepullah ◽  
Eko Atmadji
Keyword(s):  
Corporate Governance ◽  
Financial Distress ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Financial Ratio ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
The Board Of Directors ◽  
Ratio Variables ◽  
Positive Effect

Profitability and financing efficiency are the main indicators of changes in macroeconomic conditions. In theperiod 2015 – 2018, Islamic banking has not shown positive numbers in profitability and financing efficiency. This shows that the overall development of Islamic banking has not been able to maintain the level of financial health of the company. If Islamic banking cannot maintain the level of financial soundness, then the potential for Islamic banking to experience bankruptcy conditions begins with financial distress conditions becoming greater. This study aims to analyze the effect of financial ratio variables such as financial ratio variables, namely operating costs of operating income, capital adequacy ratio and current ratio and is focused on corporate governance consisting of the board of commissioners and the board of directors that affect financial distress in Islamic banking. Samples were selected by purposive sampling method as many as 14 sharia banks listed on the Indonesia Stock Exchange with a data collection period of 2013 – 2019. The data used is secondary data. Data analysis uses fixed effect model estimation and classic assumption test. The results showed that the variable financial ratio and corporate governance simultaneously affect the condition of financial distress. The conclusion of the study is that the board of directors does not have a significant positive effect on financial distress, but the capital adequacy ratio and current ratio have a significantly positive effect on financial distress. While the operational costs of operating income and the board of commissioners have a significant negative effect on financial distress conditions

scholarly journals PENGARUH BI RATE, OPERATIONAL EFFICIENCY RATIO, CAPITAL ADEQUACY RATIO, NET INTEREST MARGIN, DAN NON PERFORMING LOAN PADA RENTABILITAS

2019 ◽  
pp. 1093
Author(s):  
Andrik Aprilyanto Setiawan ◽  
Ni Luh Supadmi
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Operational Efficiency ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Efficiency Ratio ◽  
Internal Factors ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Banking rentability is banking capabilities by gaining profits in relation to sales, total assets, and own capital. This study aims to examine the influence of external and internal factors, namely the BI Rate, Operational Efficiancy Ratio, Capital Adequacy Ratio, Net Interest Margin, and Non Performing Loans on Rentability of Persero, Tbk. This research was conducted at all banks included in the Group of Persero, Tbk., And listed on the IDX for the period 2015 - 2018. The number of samples taken was saturated sampling, amounting to 4 samples. Data collection in this research is done by tracing monthly and annual reports. Data analysis was performed using multiple regression analysis. The results of this study indicate that the BI Rate and Capital Adequacy Ratio have no effect on rentability. This research also proves that Operational Efficiency Ratio, Net Interest Margin, and N Non Performing Loan significantly influence Rentability.

scholarly journals Pengaruh Kecukupan Modal (CAR), Pengelolaan Kredit (NPL), dan Likuiditas Bank (LDR) Terhadap Probabilitas Kebangkrutan Bank (Studi pada Bank Umum Swasta Devisa yang tercatat di BEI tahun 2009 – 2013)

2015 ◽  
Vol 12 (1) ◽  
pp. 38-50
Author(s):  
Lina Nur Hidayati
Keyword(s):  
Empirical Evidence ◽  
Financial Distress ◽  
Sampling Method ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Financial Ratio ◽  
Purposive Sampling ◽  
Research Hypothesis ◽  
Capital Adequacy Ratio ◽  
Research Show

The purpose of this research is to provide empirical evidence about using bank financial ratio to predict bank bankruptcy. The variables which used are seven financial ratios, CAR (capital adequacy ratio), NPL (non performing loan), and LDR (loan to deposit ratio). The statistic methods which is used to test on the research hypothesis is logit regression.The sample of this research was extracted using purposive sampling method, comprising 7 banks taken from BEI for the period of 2009, 2010, 2011, 2012, 2013. From sample, there are 7 banks, consist of 4 nontrouble banks and 3 trouble banks. The resulst of this research show that CAR and NPL, have no significant effect on probability of banks’s financial distress. LDR have significant influences on probability of banks’s financial distress.Keywords : 

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