scholarly journals PENGARUH TINGKAT KESEHATAN BANK TERHADAP PERTUMBUHAN LABA

2020 ◽  
Vol 5 (1) ◽  
pp. 68
Author(s):  
Nur Hidayati ◽  
Yeni Purwitosari
Keyword(s):  
Risk Ratio ◽  
Capital Adequacy ◽  
Foreign National ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Private Banks ◽  
Net Profit ◽  
The Government ◽  
Profit Growth

The profit growth can be used as a measure of achievement of a bank in the assessment of bank performance. This can be achieved if the level of health of banks consisting Capital Adequacy Ratio, Assets Quality, Net Interest Margin, Return on Assets, Loan to Deposit Ratio and Interest Risk Ratio in accordance with the standards set by the government. For this study aims to assess how the influence of the bank to profit growth, particularly private banks non-foreign national 2013-2014 period amounting to 23 banks. By using hypothesis testing found that the Return On Asset and Loan to Deposit Ratio positive effect on the growth rate of bank profits, while the Capital Adequacy Ratio, kualiatas Assets, Net Profit Margin and Risk Ratio interst does not affect the bank's profit growth.Keywords: Health, Income Growth, Bank 

scholarly journals Rasio Kesehatan dan Kinerja Bank Umum Berbasis Data Panel di Indonesia

1970 ◽  
Vol 4 (01) ◽  
pp. 102-116
Author(s):  
Handriko Anas ◽  
Widarto Rachbini
Keyword(s):  
Quantitative Research ◽  
Jel Classification ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Nonperforming Loans ◽  
Bank Management ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Negative Effect

ABSTRACT This study aims to analyze the influence of bank health on performance measured by during the period 2010-2014. This research is a quantitative research with regression of panel data of 96 commercial banks in Indonesia. The result of research is capital adequacy ratio, net profit margin, efficiency ratio have negative effect to return on asset. Loan disbursement ratio positively affects return on asset. However, the ratio of nonperforming loans does not affect return on assets. The implication of this research is that it can be the basis for bank management to make policy of fund and credit management to increase return on asset. ABSTRAK Penelitian ini bertujuan menganalisis pengaruh kesehatan bank terhadap kinerja diukur dengan selama periode 2010-2014. Penelitian ini adalah penelitian kuantitatif dengan regresi data panel 96 bank umum di Indonesia. Hasil penelitian adalah rasio kecukupan modal, net interest margin, rasio efisiensi berpengaruh negatif terhadap return on asset. Rasio penyaluran kredit berpengaruh positif terhadap return on asset. Namun, rasio kredit bermasalah tidak mempengaruhi return on asset. Implikasi penelitian ini adalah dapat menjadi dasar bagi manajemen bank untuk membuat kebijakan merencanakan pengelolaan dana dan kredit guna meningkatkan return on asset. JEL Classification: G21, E50

scholarly journals EFFECTS OF INTERVENING LOAN TO DEPOSIT RATIO ON PROFITABILITY

2020 ◽  
Vol 1 (2) ◽  
pp. 239-252
Author(s):  
Laynita Sari ◽  
Renil Septiano
Keyword(s):  
Capital Adequacy ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Dependent Variables ◽  
Independent Variable ◽  
The Government ◽  
The Relationship ◽  
Interest Margin

Government banks have a higher level of trust in society, as most of these shares are owned by the Government. Ratio used to assess a bank’s performance is the Return on Asset ratio. Each bank will try to keep its Return on Asset ratio consistently rising and the Non Performing Loan ratio consistently falling. But the phenomenon is that the ratio of Return on Asset and Non Performing Loan at the Government Bank fluctuated from 2014 to 2019. I will therefore examine the factors that affect the ratio of Return on Assets and Non-Performing Loans to government banks. In this study, the ratios used were Non Performing Loan, Net Interest Margin, Capital Adequacy Ratio as an independent variable, Loan to Deposit Ratio as an intervening variable and Return on Asset on its dependent variables. The result that the Variable Loan to Deposit Ratio mediates the relationship between Net Interest Margin and Return on Asset.

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 Rasio Kesehatan dan Kinerja Bank Umum Berbasis Data Panel di Indonesia

1970 ◽  
Vol 4 (01) ◽  
pp. 102-116
Author(s):  
Handriko Anas ◽  
Widarto Rachbini
Keyword(s):  
Quantitative Research ◽  
Jel Classification ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Nonperforming Loans ◽  
Bank Management ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Negative Effect

ABSTRACT This study aims to analyze the influence of bank health on performance measured by during the period 2010-2014. This research is a quantitative research with regression of panel data of 96 commercial banks in Indonesia. The result of research is capital adequacy ratio, net profit margin, efficiency ratio have negative effect to return on asset. Loan disbursement ratio positively affects return on asset. However, the ratio of nonperforming loans does not affect return on assets. The implication of this research is that it can be the basis for bank management to make policy of fund and credit management to increase return on asset. ABSTRAK Penelitian ini bertujuan menganalisis pengaruh kesehatan bank terhadap kinerja diukur dengan selama periode 2010-2014. Penelitian ini adalah penelitian kuantitatif dengan regresi data panel 96 bank umum di Indonesia. Hasil penelitian adalah rasio kecukupan modal, net interest margin, rasio efisiensi berpengaruh negatif terhadap return on asset. Rasio penyaluran kredit berpengaruh positif terhadap return on asset. Namun, rasio kredit bermasalah tidak mempengaruhi return on asset. Implikasi penelitian ini adalah dapat menjadi dasar bagi manajemen bank untuk membuat kebijakan merencanakan pengelolaan dana dan kredit guna meningkatkan return on asset. JEL Classification: G21, E50

Kinerja Rasio Keuangan Perbankan Islam Dan Konvensional: Studi Komparatif

Liquidity ◽  
2018 ◽  
Vol 2 (1) ◽  
pp. 13-20
Author(s):  
Amrizal Amrizal
Keyword(s):  
Annual Report ◽  
Capital Adequacy ◽  
Average Increase ◽  
Return On Assets ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The article focuses to analyze finance ratio consist of Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM) Capital Adequacy Ratio (CAR) except Earnings before Interest Tax (EBIT). The research is conducted to three conventional banking (BNI 46, Mandiri and BRI) and three syariah banking (Bank Muamalat Indonesia, Bank Mega Syaria and Bank Syariah Mandiri) for annual report periods 2007 to 2011. The result shows, the average increase EBIT to conventional banking groups during period 2007 to 2011 are 1.91% while the average EBIT to syariah banking groups are 1.53%. The average of ROA to conventional banking groups are 3.01% while the average ROA to syariah banking groups are 1.99%. The average of ROE to conventional banking groups is 24.19% while the average of ROE to syariah banking groups is 33.31%. The average of NIM to conventional banking groups during period 2007 to 2011 are 7.08% while the average of NIM to syariah banking groups during period 2007 to 2011 are 8.14%. The average of CAR to conventional banking groups is 15.63%, while the average of CAR to syariah banking groups during the period are 12.19%.

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 KINERJA KEUANGAN TERHADAP HARGA SAHAM PERUSAHAAN PERBANKAN BUMN DI BURSA EFEK INDONESIA PERIODE TAHUN 2010-2017

2019 ◽  
Vol 5 (2) ◽  
Author(s):  
Defry Wijaya Rimba ◽  
Muthia Harnida
Keyword(s):  
Financial Performance ◽  
Stock Prices ◽  
Stock Price ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Profit Margin ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Price Earnings Ratio

Abstract: The aim of this research is to examine the effect of financial performance on the stock prices of state-owned (BUMN) banking companies in the Indonesian Stock Exchange for the period 2010-2017.The financialperformance consists of Non Performing Loans, Return on Assets, Capital Adequacy Ratio, Price Earning Ratio, and Net Profit Margin. The analysis in this study  used the multiple linier regression with 32 observations. Simultaneously all variables affect the stock price of Banking Companies of BUMN that listed on the  Indonesian Stock Exchange  for the period of 2010-2017. But partially, the variables which affect the stock price are  only Return On Assets, Capital Adequacy Ratio, and Net Profit Margin.  Whereas the variable of  Non Performing Loans and Price Earning Ratio do not affect the stock price of Banking Companies of BUMN  in the Indonesian Stock Exchange for the period of 2010 until 2017 Keywords: Performance, Non Performing Loans, Return On Assets, Capital Adequacy Ratio, Price Earning Ratio, Net Profit Margin, Stock Price Abstrak: Tujuan penelitian ini adalah untuk menguji pengaruh kinerja keuangan terhadap harga saham pada perusahaan perbankan BUMN yang terdaftar di Bursa Efek Indonesia untuk periode 2010-2017. Kinerja keuangan yang diuji meliputi Non performace Loans (NPL), Return on assets (ROA), CapitalAdequacy Ratio (CAR), Price Earnings Ratio(PER),dan Net Profit Margin (NPM). Hasil penelitian dengan menggunakan analisis regresi linier berganda,dengan sampel sebanyak 32 observasi menunjukkkan hasil bahwa secara simultan semua variabel yang terdiri dari Non performace Loans (NPL), Return on assets (ROA), CapitalAdequacy Ratio (CAR), Price Earnings Ratio(PER),dan Net Profit Margin (NPM)  berpengaruh terhadap harga saham . Sedangkan secara parsial variabel yang berpengaruh terhadap harga saham adalah return on assets (ROA), CapitalAdequacy Ratio (CAR), dan Net Profit Margin (NPM), sementara Non Performing Loans (NPL) dan Price Earnings Ratio (PER) secara statistik tidak berpengaruh terhadap harga saham perusahan perbankan BUMN yang terdaftar di Bursa Efek Indonesia untuk periode pengamatan 2010-2017 Kata kunci : Kinerja, Non Performing Loans, Return On Assets, Capital Adequacy Ratio, Price Earning Ratio, Net Profit Margin, harga saham

scholarly journals Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Risk-Based Bank Rating (RBBR) (Studi Pada Bank yang Termasuk Saham LQ45 Sub Sektor Perbankan Tahun 2010–2016)

2018 ◽  
Vol 10 (1) ◽  
Author(s):  
Bobby Wijaya
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Self Assessment ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Health Level ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

This paper seeks to find out the health level of banks in Indonesia Stock Exchange LQ45 Index. It used descriptive methods with qualitative approach that is Risk Based Bank Rating (RBBR) model. RBBR model consists of 4 factors among others: risk profile, good corporate governance (GCG), earnings and capital factor.The analytical tool used in this study is the assessment of the level of health of banks in Indonesia Stock Exchange LQ45 Index against the risk factor using the ratio of net performing loans (NPLs) and Loan to Deposit Ratio (LDR), a factor of corporate governance by using the self-assessment report of good corporate governance, the earnings factor using the ratio of return on assets (ROA) and net interest margin (NIM) and the factor of capital using the ratio of capital adequacy ratio (CAR). The results showed that there are several banks which have "Less Healthy", "Healthy Enough", "Pretty Good". Bank Mandiri, BRI and BNI received the predicate of "Pretty Good" in risk profile factor for liquidity risk, whereas Bank BTN received the predicate of "Healthy Enough". Also, Bank BTN received the predicate of "Healthy Enough" and "Pretty Good" in earnings factor specifically ROA and GCG factor. Keywords:Indonesia Stock Exchange LQ45 Index, Health Level of Banks, Risk Based Bank Rating (RBBR) Model.

scholarly journals Analisis Kinerja Keuangan berdasarkan Rasio Keuangan pada PT. BPR. Saptacristy Utama

2017 ◽  
Author(s):  
NI LUH KOMANG AYU PRADNYANI ◽  
I NYOMAN GEDE USTRIYANA ◽  
I GUSTI AYU AGUNG LIES ANGGRENI
Keyword(s):  
Financial Performance ◽  
Activity Ratio ◽  
Financial Analysis ◽  
Financial Institution ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Return On Equity ◽  
Leverage Ratio ◽  
Capital Adequacy Ratio ◽  
Net Profit

Analysis of Finece Performance Base on Fund Finance Ratio of PT. BPR. Saptacristy UtamaRural Banks (BPR) is a formal financial institution that has a function as a financialintermediary, especially on the national microfinance system. The study aimed tofind out the financial performance of PT. BPR. Saptacristy Utama when it wasanalyzed based on the financial ratios during the period of 2011 to 2015. Based onthe results of the financial analysis, liquidity ratio is categorized good, when viewedfrom the average cash ratio and the average loans to deposit ratio. The solvency ratiois said to be good, judging by the average capital adequacy ratio. Activity ratio isquite good when viewed from the multiplier leverage ratio and asset utilization ratiothat continue to increase. The profitability ratio is classified to be good,as can beseen on the average net profit margin, return on assets and return on equity. PT. BPR.Saptacristy Utama is expected to maintain its financial performance by strengtheningits business activities to increase the amount of its assets, the amount of thedistribution of funds in the form of loans and the placement of funds in other banksshould also be increased, revenue of operations and profits for subsequent yearsshould beincreased, as well as improving sale and service to its customers andprospective customers.

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