THE EFFECT OF CREDIT RISK AND CAPITAL ADEQUACY RATIO UPON RETURN ON ASSET (A Case Study at Banking Listed in Indonesia Stock Exchange)

The aim of study to examine the effect of credit risk as measured by non performing loan, and capital adequacy ratio to profitability level measured by return on assets in banking companies listed in Indonesia Stock Exchange (IDX). This research belongs to causative research. The population in this study is the stateowned banks listed on Indonesia Stock Exchange. The sample of this study is determined by purposive sampling method so that obtained four sample companies. The type of data used is secondary data obtained from www.idx.co.id. The analysis method used is multiple regression analysis, correlation, determination and partial test of hypothesis with t test and simultaneously with F test. Based on the results of multiple regression analysis with 5% significance level, the results of this study conclude: (1) non performing loan has a negative and significant influence on profitability in banking companies listed on Indonesia Stock Exchange (2) capital adequacy ratio positively affect profitability on banking industry listed on Indonesia Stock Exchange. So simultaneously and together it can be concluded that NPL and CAR have an effect on ROA.

Download Full-text

PENGARUH RISIKO KREDIT DAN TINGKAT KECUKUPAN MODAL TERHADAP TINGKAT PROFITABILITAS PADA BAITUL MAAL WAT TAMWIL (BMT) PRINGSEWU

Media Mahardhika ◽

10.29062/mahardika.v18i2.164 ◽

2020 ◽

Vol 18 (2) ◽

pp. 310

Author(s):

Armalia Reny

Keyword(s):

Regression Analysis ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Negative Influence ◽

Capital Adequacy ◽

Financial Statement ◽

Significance Level ◽

Return On Equity ◽

Capital Adequacy Ratio ◽

Positive Effect

This research purposed to test wheter or not there is the effect of credit risk as measured by the ratio of Non Performing Financings (NPF) and Capital Adequacy as measured using the Capital Adequacy Ratio (CAR) to the level of profitability as measured using the ratio of Return On Equity (ROE) on Baitul Maal wat Tamwil (BMT) Pringsewu.Population in this research that the Baitul Maal wat Tamwil Pringsewu. As a sample of financial statement BMT Pringsewu for five years from 2010 until 2014. The analutical method used is multiple regression analysis. Based on the result of multiple regression analysis with significance level of 5% or 0.05 , then the result of this research can be concluded that (1) simultaneous independent variables that affect the NPF and CAR to ROE (2) NPF has a negative influence on the ROE while (3) CAR positive effect on ROE..

Download Full-text

PENGARUH CAR, BOPO, NPL, NIM, DAN LDR TERHADAP ROA PADA PERUSAHAAN DI SEKTOR PERBANKAN YANG TERDAFTAR DI BEI PERIODE 2012-2016

10.31219/osf.io/k3w69 ◽

2019 ◽

Author(s):

Redwal Fernando ◽

Aminar Sutra Dewi

Keyword(s):

Regression Analysis ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Commercial Banks ◽

Stock Exchange ◽

Capital Adequacy ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

The Relationship ◽

Interest Margin

This study aims to examine the relationship between Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) for Return On Asstes (ROA). The number of samples used are 9 commercial banks listed on the Indonesia Stock Exchange period 2012-2016. The method used in this study using multiple regression analysis using Eviews 6. From the results of tests performed show that CAR statistically does not significantly influence tehadap ROA, BOPO significantly influence teh ROA, NPL has significant effect to ROA, different from NIM which has no significant effect on ROA, and LDR has significant effec on ROA.

Download Full-text

Pengaruh CAR, BOPO, NPL, NIM, dan LDR terhadap ROA pada Perusahaan di Sektor Perbankan yang Terdaftar di BEI Periode 2012-2016

JURNAL PUNDI ◽

10.31575/jp.v1i3.55 ◽

2018 ◽

Vol 1 (3) ◽

Cited By ~ 1

Author(s):

Aminar Sutra Dewi

Keyword(s):

Regression Analysis ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Commercial Banks ◽

Stock Exchange ◽

Capital Adequacy ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

The Relationship ◽

Interest Margin

Download Full-text

DETERMINAN PROFITABILITAS PERBANKAN NASIONAL DI INDONESIA

JBMP (Jurnal Bisnis Manajemen dan Perbankan) ◽

10.21070/jbmp.v1i1.266 ◽

2016 ◽

Vol 1 (1) ◽

pp. 77

Author(s):

Nur Hayati ◽

Musdholifah Musdholifah

Keyword(s):

Regression Analysis ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Commercial Banks ◽

Stock Exchange ◽

Capital Adequacy ◽

Return On Assets ◽

Operating Income ◽

Net Interest Margin ◽

Capital Adequacy Ratio

This research aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Operating Expenses to Operating Income (BOPO), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) on the profitability proxy with return on assets (ROA) at commercial banks listed on the Indonesia Stock Exchange from 2005 to 2010. The samples used are 14 commercial banks listed on the Indonesia Stock Exchange. The samples are taken using purposive sampling method with certain criteria. The method used in this study is to use multiple regression analysis to test the hypothesis that the t test and the f test. Before using a multiple regression analysis, performed the classic assumption test first. The results obtain in this study are simultaneously CAR, NPL, BOPO, LDR, and NIM effect on profitability by 44%. While partially CAR, BOPO, and NIM effect on profitability and LDR NPL does not affect profitability.

Download Full-text

PENGARUH DEBT TO EQUITY RATIO (DER), RETURN ON ASSET (ROA), EARNING PERSHARE (EPS), PRICE EARNING RATIO (PER) TERHADAP RETURN SAHAM PADA PERUSAHAAN JASA PERHOTELAN YANG TERDAFTAR DI BURSA EFEK INDONESIA

Jurnal Manajemen dan Bisnis ◽

10.54367/jmb.v17i2.412 ◽

2019 ◽

pp. 146-161

Author(s):

Ria Veronica Sinaga

Keyword(s):

Regression Analysis ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Fast Food ◽

Stock Return ◽

Stock Exchange ◽

Secondary Data ◽

Return On Assets ◽

Company Value ◽

Equity Ratio

This study aims to determine the effect of Debt to Equity Ratio (DER), Return On Assets (ROA), Earning Per Share (EPS), Price Earning Ratio (PER) to Return of Stock at Hospitality Services Company listed on Indonesia Stock Exchange. The benefits of research is to provide information material to investors in making investment decisions. The number of companies to be sampled are 5 Hospitality Services Companies, namely: Bayu Buana Tbk (BAYU), Fast Food Indonesia Tbk (FAST), Grahamas Citrawisata Tbk (GMCW), Destination Tirta Nusantara Tbk (PDES), and Golden Eagle Energy Tbk SMMT). In this study used secondary data that is Financial Statements Hospitality Services Companies listed in Indonesia Stock Exchange 2010-2013 period that can be accessed via the internet. Method of data analysis used is multiple regression analysis (multiple regression analysis). Based on the result of research, the regression equation is obtained as follows: Return = 0,979 - 0,438 DER - 0,093 ROA + 0,002 EPS + 0,002 PER indicate that DER variable variable have negative and insignificant influence, ROA variable has negative and significant influence, EPS variable has positive and significant effect, and variable of PER have positive and insignificant effect to stock return. DER, ROA, EPS and PER simultaneously affect the stock return of hotel services company. value adjusted R2 of 0.909. This means that 90.9 percent of stock return variables can be explained by variations of DER, ROA, EPS and PER variables while the remaining 9.1 percent is explained by other variables outside the model.

Download Full-text

Pengaruh Capital Adequacy Ratio, Return on Asset, Loan to Deposit Ratio dan Non Performing Loan Terhadap Laba Bersih pada Bank BUMN yang Terdaftar di Bursa Efek Indonesia Periode 2014 – 2018

J-MAS (Jurnal Manajemen dan Sains) ◽

10.33087/jmas.v5i1.157 ◽

2020 ◽

Vol 5 (1) ◽

pp. 113

Author(s):

Yunan Surono ◽

Saiyid Syeikh ◽

Ade Rinaldi

Keyword(s):

Multiple Regression ◽

Stock Exchange ◽

Secondary Data ◽

T Test ◽

Capital Adequacy ◽

Multiple Regression Equation ◽

F Test ◽

Capital Adequacy Ratio ◽

Net Profit ◽

Public Banks

This research aims to analyze the effect of simultaneous capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan on the net profit of government public banks in Indonesia Stock Exchange. The effect of partial capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan on the net profit of government public banks in Indonesia Stock Exchange. The research methodology is descriptive and quantitative analysis methods. Data used is secondary data. The population become object in this research is government public bank period of year of 2014-2018. Amount sample the used is the fourth (4) government public bank and still stand up during period of perception and also publicized of year of 2014-2018 by Indonesian Stock Exchange the analysis multiple regression, hypotesis test so determinant coefficient F test and t test. The object of this research is foreign exchange bank listed on the Stock Exchange Indonesia 2014-2018. The sampel in the receach is PT Bank Negara Indonesia,Tbk (BBNI), PT Bank Rakyat Indonesia,Tbk (BBRI), PT Bank Tabungan Negara,Tbk (BBTN), PT Bank Mandiri,Tbk (BMRI), Results of multiple regression equation is Y = 11,469 + 1,30X1 + 1,599X2 - 5,069X3 + 0,481X4 + e, F test result, it is known that capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan simultaneously on the net profit. F count larger than F table (52,763 > 3,06) or comparing the significant level of 0.05 then (0.000 < 0.05) then Ho is rejected and Ha accepted. Based on the results of the t test capital adequacy ratio, return on asset and loan to deposit ratio have significant effect between the net profit (tcount> ttable).Conclusion is the capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan simultaneously on the net profit.. While partially have variable capital adequacy ratio, return on asset and loan to deposit ratio have significant to net profit

Download Full-text

Pengaruh Ukuran Perusahaan, Kompleksitas Audit, Risiko Perusahaan, Dan Ukuran Kap Terhadap Fee Audit:

JURNAL EKSPLORASI AKUNTANSI ◽

10.24036/jea.v1i1.72 ◽

2019 ◽

Vol 1 (1) ◽

pp. 217-255

Author(s):

Nova Yulianti ◽

Henri Agustin ◽

Salma Taqwa

Keyword(s):

Regression Analysis ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Analytical Method ◽

Sampling Method ◽

Stock Exchange ◽

Secondary Data ◽

Total Sample ◽

Company Size ◽

Audit Fee

This study aims to determine: (1) The effect of company size on audit fee, (2) The effect of audit complexity on audit fee, (3) The effect of company risk on audit fee, (4) The effect of KAP size on audit fee. Population in this research are non financial companies listed in Indonesia Stock Exchange (IDX) in 2014 – 2017. The sample is determined based on purposive sampling method with a total sample of 68 companiees. The data used in this research is secondary data. The technique of collecting data by the method of documentation at www.idx.com and the official website of each company. The analytical method used is multiple regression analysis. The result showed that: (1) Company size influence a significant positive on audit fee, (2) Audit complexity influence a significant positive on audit fee, (3) Company risk no significant effect on audit fee, and (4) KAP size influence a significant positive on audit fee.

Download Full-text

Pengaruh risiko kredit, inflasi, dan BI Rate terhadap profitabilitas LPN Limau Manih

Jurnal Kajian Manajemen Bisnis ◽

10.24036/jkmb.10884600 ◽

2019 ◽

Vol 8 (1) ◽

Author(s):

Riza Yonita ◽

Muthia Roza Linda

Keyword(s):

Regression Analysis ◽

Credit Risk ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Analytical Method ◽

Annual Report ◽

Secondary Data

This study aimed to analyze the effect of (1) credit risk on the profitability of the Limau Manih LPN, (2) inflation on the profitability of the Limau Manih LPN and (3) the BI Rate on the profitability of the Limau Manih LPN. The object of research is the Limau Manih LPN. The type of data used in this study is secondary data obtained from the company's annual report with observations ranging from 2009-2017. The analytical method used is multiple regression analysis. The results of this study conclude (1) credit risk which is proxied by NPL has a positive and significant effect on profitability in the Limau Manih LPN, (2) inflation has a positive and not significant effect on profitability in the Limau Manih LPN, and (3) the BI Rate has a positive and no effect significant effect on profitability at the Limau Manih LPN.Keywords: Profitability; credit risk, inflation; BI Rate.

Download Full-text

Penerapan Camels pada Bank Konvensional yang Listed di BEI

Jurnal Ilmu Manajemen Advantage ◽

10.30741/adv.v3i1.421 ◽

2019 ◽

Vol 3 (1) ◽

pp. 37-47

Author(s):

Imam Abrori ◽

Abdurrahim Abdurrahim

Keyword(s):

Regression Analysis ◽

Multiple Regression Analysis ◽

Multiple Regression ◽

Stock Exchange ◽

Hypothesis Test ◽

T Test ◽

Capital Adequacy ◽

Bank Profitability ◽

Net Interest Margin ◽

Conventional Banks

This study was conducted to examine the influence of Capital Adequacy Ratio (CAR), Biaya Operasional Terhadap Pendapatan Operasional (BOPO), Non-Performing Loan (NPL), Net Interest Margin (NPL) and loan to Deposit Ratio (LDR) to the Banking Profitability (ROA). Populations that are objects of this study are conventional banks listed on the Indonesia Stock Exchange. The method used in this research is to use multiple regression analysis to test the hypothesis that the t-test. Before using multiple regression analysis, performed classical assumption beforehand. From the results of the partial hypothesis test (t-test) in conventional banks showed that the CAR variable has no effect and no significant effect on bank profitability (ROA). Variable ROA and LDR significant negative effect on bank profitability (ROA), while variable NIM and NPL positive and significant impact on banking profitability (ROA). The ability of the independent variables affects the profitability of banks by 64% while the rest influence other variables not included in the research model.

Download Full-text

Influence of Car, Ldr, Npl and Bopo on Roa on Commercial Banks Listed on the Indonesia Stock Exchange in 2010-2016

Journal of Economics, Finance and Management Studies ◽

10.47191/jefms/v3-i12-11 ◽

2020 ◽

Vol 03 (12) ◽

Author(s):

Pandoyo . ◽

Keyword(s):

Regression Analysis ◽

Commercial Banks ◽

Stock Exchange ◽

Secondary Data ◽

Statistical Test ◽

Capital Adequacy ◽

Research Model ◽

Prediction Ability ◽

A Value ◽

Capital Adequacy Ratio

This study aims to test how much influence Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Operational Revenue Expense (BOPO) to ROA; how much influence the CAR, LDR, NPL and BOPO simultaneously against ROA at commercial banks listed on the Indonesia Stock Exchange 2010-2016. The data used is secondary data in the form of financial ratios with the amount of 140 observations. Sampling is done by purposive sampling with the number of 20 banks, namely the largest commercial banks listed on the Indonesia Stock Exchange in terms of assets position of December 2016. Statistical test of SPSS which is used to test classical assumptions and multiple regression analysis. The results showed that CAR had no effect on ROA with a value of 0.2%. LDR has no effect on ROA with a value of 1.4%. NPL has a negative and significant effect on ROA with a value of 25.7%. BOPO has a negative and significant effect on ROA with a value of 77.2%. Simultaneously CAR, LDR, NPL, and BOPO have a significant influence on ROA at commercial banks listed on the Stock Exchange in 2010-2016. The prediction ability of these four variables on ROA is 81.60%, while the rest is influenced by other factors outside the research model.

Download Full-text