scholarly journals ANALISIS PENGARUH CAR, NPL, NIM, BOPO, LDR TERHADAP ROA (Studi Pada Bank Pembangunan Daerah Di Indonesia Periode 2015-2018)

2020 ◽  
Vol 4 (1) ◽  
Author(s):  
Adhista Setyarini
Keyword(s):  
Linear Regression ◽  
Significant Influence ◽  
Least Square ◽  
Capital Adequacy ◽  
Ordinary Least Square ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Multi Linear Regression ◽  
Level Of Significance ◽  
Interest Margin

This research is performed on order to test the influence of the variable Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Biaya Operasional/Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR) toward Return On Asset (ROA).Methodology research as the sample used purposive sampling, sample was accrued 26 Bank Pembangunan Daerah in Indonesia. Data analysis with multi linear regression of ordinary least square and hypotheses test used t-statistic and F-statistic at level of significance 5%, a classic assumption examination which consist of data normality test, multicolinearity test, hetersoskedasticity test and autocorrelation test is also being done to test the hypotheses.During research period show as variabel and data research was normal distributed. Based on test, multicolinearity test, hetersoskedasticity test and autocorrelation test classic assumption deviation has no founded, this indicate that the available data has fulfill the condition to use multi linear regression model. This result of research show that variable NPL did not influence ROA. Variable CAR, NIM, and LDR positive significant influence toward ROA. Variable BOPO negative significant influence toward ROA. Prediction capability from these five variable toward ROA is 63,6% where the balance 36,4% is affected to other factor which was not to be entered to research model.Key Words : Return On Asset (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Biaya Operasional/Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR).

scholarly journals ANALISIS PENGARUH KECUKUPAN MODAL, EFISIENSI, LIKUIDITAS, NPL, DAN PPAP TERHADAP ROA BANK

2018 ◽  
Vol 14 (1) ◽  
pp. 1-18
Author(s):  
Krisna Hidajat
Keyword(s):  
Linear Regression ◽  
Least Square ◽  
Capital Adequacy ◽  
Ordinary Least Square ◽  
Normality Test ◽  
Capital Adequacy Ratio ◽  
Independent Variable ◽  
Multi Linear Regression ◽  
Level Of Significance ◽  
Research Period

This research  is performed  in order  to test the influence  of  the  variable, Capital Adequacy Ratio (CAR), Biaya Operasi terhadap Pendapatan Operasi (BOPO), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), and Pembentukan Penyisihan Aktiva Produktif (PPAP) toward Return on Asset (ROA).Methodology reseach as the sample used sensus. Sample was accuired 23 banking company listed in JSX over period 2010-2013. Data analysis with multi linear regression of ordinary least square and hypotheses test used t-statistic dan F-statistic at level of significance  5%, a classic assumption  examination  which consist  of data  normality  test,  multicolinierity  test,  heteroskedasticity  test  and autocorrelation test is also being done to test the hypotheses.During research  period show' as variable and data research was normal distributed.  Based  on  multicolinierity  test,  heteroskedasticity  test  and autocorrelation test classic assumption deviation has not founded, tihis indicate that the available data has fulfill  the condition to use multi linear regression model. Empirical evidence show as CAR. BOPO and LDR toward ROA banking listed in JSX over period 2010-2013  at level of significance less than 5% (as 0,01%,0,01% and 0,6% each). While,  two  independent  variable  NPL,  and PPAP  not influence toward R0A at level of significance more than 5% at 88,2% and 72,7%. Where it was proved that together this research is performed in order to test the influence  of the variable  CAR,  BOPO,  LDR,  NPL and PPAP  to have influence toward banking ROA in JSX at level less than 5% (with level of significance 0,05). Prediction capability from these seven variable toward ROA is 35,1% where the balance (64,9%) is affected to other factor which was not to be entered to research model. 

scholarly journals ANALISIS FAKTOR – FAKTOR YANG BERPENGARUH TERHADAP PROFITABILITAS PERBANKAN YANG GO PUBLIC DI BURSA EFEK INDONESIA PADA TAHUN 2012 - 2016

2019 ◽  
Vol 15 (1) ◽  
Author(s):  
Astohar Astohar
Keyword(s):  
Significant Influence ◽  
Banking Sector ◽  
Capital Adequacy ◽  
Main Function ◽  
Going Public ◽  
Operating Income ◽  
Operational Costs ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Banking plays a role in economic development, namely in spurring economic growth. The main function of the bank is as a financial intermediary from parties who have excess funds with those who lack funds. The existence of the banking sector has an important role, which in the life of the community mostly involves services from the banking sector. Banking profitability is a ratio to determine the financial performance of banks. Research from Ali and Laksono (2017) is still interesting to develop both the variables and the object of research. In this study, the variable capital adequacy ratio (CAR) added with consideration that there were still differences between researchers.This study took the object of banks going public on the Indonesia Stock Exchange. Banks that went public in 2016 were 43 banks. After checking as many as 26 banks that can be taken as samples through purposive random sampling technique. 17 banks that cannot be used as samples include going public in the year after 2012 and the absence of complete data. The analytical tool used is multiple regression equation test with the requirement to meet normal criteria and no classical assumption deviations occur.The results showed that the capital adequacy ratio (CAR), loan to deposit ratio (LDR), operational costs and operating income (BOPO) proved to have a negative and significant influence on banking profitability. Net interest margin (NIM) is proven to have a positive and significant influence on banking profitability. Non-performing loans (NPLs) are proven to have a negative and insignificant effect on banking profitability. Large variations in capital structure variables in banks that go public in Indonesia can be explained by variations in the variables of capital adequacy ratio (CAR), non-performing loans (NPL), loan to deposit ratio (LDR), operational costs and operating income (BOPO), net interest margin (NIM) is 92.3%.

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 The Determinants of Net Interest Margin: An Empirical Study of Indonesia Category-IV Banks for the Period of 2014-2017

2021 ◽  
Vol 39 (12) ◽  
Author(s):  
Chandra Setiawan ◽  
Ni Made Maylananda Maharani Wisna
Keyword(s):  
Interest Rate ◽  
Significant Influence ◽  
Capital Adequacy ◽  
Operating Efficiency ◽  
Efficiency Ratio ◽  
Independent Variables ◽  
Net Interest Margin ◽  
Interest Rate Volatility ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Bank’s Net Interest Margin (NIM) is a key indicator on how bank performs its intermediary function and necessary for the financial system stability. NIM is influenced by both internal and external determinants. This study aims to analyze these internal and external determinants of NIM for Indonesia’s Category-IV banks in the period of 2014 to 2017. The internal determinants used as independent variables are Loan to Deposit Ratio (LDR), Operating Efficiency Ratio (OER), and Capital Adequacy Ratio (CAR). Meanwhile, the external determinants used as independent variables are Interest Rate volatility and Inflation. This study uses four Indonesia’s Category-IV banks which were chosen by purposive sampling methodology based on criteria set with quarterly time horizon. These 4 commercial banks are those listed as ‘Category-IV’ or BUKU 4 during the study’s time frame. The statistical approach being used is panel least square fixed effect model. This study reveals that Loan to Deposit Ratio (LDR), Operating Efficiency Ratio (OER), and Inflation have positive significant influence toward NIM. In contrast, Capital Adequacy Ratio (CAR) shows negative significant influence, while Interest Rate volatility contributes insignificantly to NIM. The overall findings underlined that contribution of internal factors are consistent in influencing the value of NIM in a significant way.

PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), LOAN TO DEPOSIT RATIO (LDR), RETURN ON ASSET (ROA) DAN NET INTEREST MARGIN (NIM) TERHADAP PERTUMBUHAN LABA (Studi Empiris Pada Perusahaan Perbankan Indonesia Periode 2011-2015)

2017 ◽  
Vol 2 (1) ◽  
pp. 32
Author(s):  
Sustari Alamsyah
Keyword(s):  
Linear Regression ◽  
Hypothesis Test ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Unit Of Analysis ◽  
Net Interest Margin ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Profit Growth ◽  
Interest Margin

This research is to know and analyze the influence of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Return On Asset (ROA), And Net Interest Margin (NIM) On Growth Income. the design of the study is causal with the unit of analysis is the company's adage of the samples taken by purposive sampling technique on the population of banking companies listed on the BEI in 2011-2015. The analysis technique used is multiple linear regression with the help of SPSS 22.0 and hypothesis test using t test. The results showed that partially CAR and LDR affect the profit growth. while NPL, ROA, and NIM have no effect on profit growth. CAR, LDR, NPL, ROA and NIM variables are simultaneously influential to profit growth. Keyword : Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Return On Asset (ROA), And Net Interest Margin (NIM) On Growth Income

FAKTOR-FAKTOR YANG MEMPENGARUHI EFEKTIVITAS DANA DESA

2018 ◽  
Vol 9 (1) ◽  
pp. 55-66
Author(s):  
Chenny Seftarita ◽  
Fakhruddin Fakhruddin ◽  
Litbang Bappeda
Keyword(s):  
Cross Section ◽  
Random Sampling ◽  
Economic Benefits ◽  
Least Square ◽  
Capital Adequacy ◽  
Cross Section Data ◽  
Ordinary Least Square ◽  
Section Data ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

Penelitian ini bertujuan mengetahui faktor-faktor yang memengaruhi efektivitas dana desa. Data dalam penelitian ini merupakan data cross section (data satu waktu) tahun 2017. Penelitian ini menggunakan data primer dan sekunder dengan metode pengambilan sampelnya dengan area sampling dan stratified random sampling. Peralatan analisis yang digunakan adalah ordinary least square. Berdasarkan hasil penelitian yang dilakukan, pertama persepsi aparat gampong menunjukkan badan usaha milik desa dan manfaat ekonomi lainnya, manfaat dana desa, sisa lebih perhitungan anggaran dan strategi berpengaruh positif dan signifikan terhadap efektivitas dana desa sedangkan tata kelola tidak memiliki pengaruh terhadap efektivitas dana desa. Kedua, persepsi masyarakat menunjukkan badan usaha milik desa dan manfaat ekonomi lainnya, manfaat dana desa, sisa lebih perhitungan anggaran dan strategi tidak berpengaruh terhadap efektivitas dana desa sedangkan tata kelola memiliki pengaruh dan signifikan terhadap efektivitas dana desa.AbstractThis study aims to determine the factors that influence the effectiveness of village funds. The data in this study are cross section data (one time data) in 2017. This study uses primary and secondary data with the sampling method with the sampling area and stratified random sampling. The analytical tool used is ordinary least square. Based on the results of the research conducted, the first perception of village officials showed village-owned enterprises and other economic benefits, benefits of village funds, the remaining more budget and strategy calculations had a positive and significant effect on the effectiveness of village funds while governance had no influence on the effectiveness of village funds. Second, community perceptions show village-owned enterprises and other economic benefits, benefits of village funds, the remaining more budget calculations and strategies have no effect on the effectiveness of village funds while governance has an influence and significance on the effectiveness of village funds. Keywords: capital adequacy ratio, net interest margin, profitabilityKey words: capital adequacy ratio, net interest margin, profitability.

scholarly journals Impact of Liquidity, Ownership, Global Financial Crisis, and Capital Adequacy Ratio on Indonesian Banking Profitability Period 2007-2016

The Winners ◽  
2020 ◽  
Vol 21 (1) ◽  
pp. 43
Author(s):  
Agustinus Winoto ◽  
Yosman Bustaman
Keyword(s):  
Financial Crisis ◽  
Global Financial Crisis ◽  
Control Variable ◽  
Least Square Method ◽  
Least Square ◽  
Capital Adequacy ◽  
Ordinary Least Square ◽  
Dummy Variable ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

The purpose of the research was to analyse the effect of liquidity, ownership, and global financial crisis on Indonesian Banking profitability. The research focused on conventional bank exclude sharia-bank and rural bank/BPR, owned by foreign-party, local-party or mixed-party, period 2007 to 2016. Data were retrieved from Indonesia Bank regulator which is Otoritas Jasa Keuangan’s website. For liquidity, liquidity ratio, loan to funding ratio, and cash ratio were used. Meanwhile ownership and global financial crisis used dummy variable. The research divided bank to foreign and mixed party, and local bank in the years of crisis that were 2008 and 2009. Ordinary Least Square method were used with Net Interest Margin as dependent variable, a control variable, and capital adequacy ratio. The result finds that there is no significant connection between liquidity and ownership on profitability, while crisis has significant connection on profitability. 

Kinerja Keuangan Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia

Liquidity ◽  
2018 ◽  
Vol 4 (2) ◽  
pp. 106-115
Author(s):  
Darmansyah Darmansyah
Keyword(s):  
Significant Influence ◽  
Stock Exchange ◽  
Least Square ◽  
Capital Adequacy ◽  
Cost Ratio ◽  
Return On Assets ◽  
Partial Regression Coefficient ◽  
Net Interest Margin ◽  
Analysis Technique ◽  
Level Of Significance

This study aimed to evaluate the financial performance of banks in terms of Return on Assets. Besides how big a factor the Capital Adequacy Ratio (CAR) , Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Operational Cost Ratio (BOPO), Net Interest Margin (NIM) affect the rise and fall of Return on Assets (ROA). Population of this study are bank listed companies  in Indonesia Stock Exchange (IDX). Analysis technique of data used multi linear regression of ordinary least square and hypotheses test used t statistic for testing partial regression coefficient and F statistic for testing simultaneous influence at level of significance 5%. This research demonstrated that BOPO) and NPL partially have significant influence negative towards ROA. Then  for NIM partially have significant influence positive towards ROA. On the contrary, the CAR and LDR partially have no significant influence towards the ROA. The research also shows that NIM coefficient become largest coefficient values and have the biggest significant influaences. Simultaneously, the CAR, LDR, NPL, BOPO and the NIM has significant influence towards the ROA of Bank companies in IDX.

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 PENGARUH CAPITAL ADEQUACY RATIO, NET INTEREST MARGIN, LOAN TO DEPOSIT RATIO DAN NON PERFORMING LOAN TERHADAP PROFITABILITAS BANK UMUM NON DEVISA DI INDONESIA PERIODE 2014-2016

2019 ◽  
Vol 4 (2) ◽  
pp. 199-212
Author(s):  
Agus Saputra ◽  
Muhammad Arfan ◽  
Mulia Saputra
Keyword(s):  
Linear Regression ◽  
Commercial Bank ◽  
Foreign Exchange ◽  
Financial Services ◽  
Banking Sector ◽  
External Factors ◽  
Capital Adequacy ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study examines the influence Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) toward Profitability for Non-Foreign Exchange Commercial Bank in Indonesia. This study uses empirical data on the directory of Financial Services Authority (Otorita Jasa Keuangan) through non probability sampling that met criteria of the research. There are 17 Banks observed for 3 years quarterly starting from 2014 until 2016. The analytical method using Multiple Linear Regression. The results show that Capital Adequacy Ratio (CAR) has unsignificant effect on profitability. Variable Net Interest Margin (NIM) has a positive and significant influence toward profitability. Variable Loan to Deposit Ratio (LDR) has unsignificant effect toward profitability, Non Performing Loan (NPL) has unsignificant effect toward profitability. This study has implication for the banking sector, although banks applied financial ratios to measure bank health, but banks should also pay attention for external factors to measure bank health. The limitation of this research is that the data only consist of one type of commercial bank that is non-foreign exchange bank in Indonesia, not all banks met the criteria as expected by the researcher. Keywords: Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Profitability.Abstrak Penelitian ini bertujuan untuk menguji pengaruh antara variabel Capital Adequacy Ratio (CAR), Net Interest Margin, Loan to Deposit Ratio dan Non Performing Loan terhadap Profitabilitas pada Bank Umum Non Devisa di Indonesia. Penelitian ini menggunakan data empiris dari direktori Kantor Otorita Jasa Keuangan melalui teknik purposive sampling. Ada 17 Bank yang diamati selama 3 tahun secara kuartal mulai tahun 2014 sampai tahun 2016. Peralatan analisis yang digunakan adalah Analisis Regresi Linear Berganda. Hasil penelitian menunjukkan bahwa Capital Adequacy Ratio (CAR) tidak berpengaruh signifikan terhadap profitabilitas Bank Umum Non Devisa. Variable Net Interest Margin (NIM) memiliki pengaruh positif dan signifikan terhadap profitabilitas Bank Umum Non Devisa. Variable Loan to Deposit Ratio (LDR) tidak memiliki pengaruh signifikan terhadap profitabilitas Bank Umum Non Devisa. Variabel NonPerforming Loan (NPL) tidak memiliki pengaruh signifikan terhadap profitabilitas Bank Umum Non Devisa. Penelitian ini memiliki implikasi pada dunia perbankan yaitu meskipun perbankan menerapkan rasio keuangan untuk mengukur kesehatan bank melalui profitabilitas, akan tetapi perbankan juga seharusnya memperhatikan faktor eksternal dalam mengukur kesehatan bank. Keterbatasan penelitian adalah bahwa data yang diteliti hanya terdiri dari satu jenis bank umum yaitu bank non devisa di Indonesia, tidak semua bank memenuhi criteria seperti yang diharapkan oleh peneliti.

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