scholarly journals DAMPAK FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PROFITABILITAS PERBANKAN (Studi pada Bank Konvensional di Indonesia Periode Januari 2012 - Januari 2019)

2019 ◽  
Vol 11 (03) ◽  
pp. 121-137
Author(s):  
Silvia Hendrayanti ◽  
Wachidah Fauziyanti ◽  
Eni Puji Estuti
Keyword(s):  
Firm Size ◽  
Capital Adequacy ◽  
Operating Costs ◽  
Return On Assets ◽  
Operating Income ◽  
The Public ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Conventional Banks ◽  
Interest Margin

The bank is one of the financial institutions which has the activity of collecting funds from the public in the form of deposits and channeling them to the public in the form of credit or other forms in order to improve the lives of many people. The purpose of the banking business is to make a profit. Banking profitability is one of the most important indicators in determining the success of a bank and can be used as a basis for banking policies and strategies in the coming period. The purpose of this study was to examine the effect of Operating Costs on Operating Income (BOPO), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Firm size, and inflation on Return on Assets (ROA). The population in this study is the Conventional Banks in Indonesia in the period January 2012-January 2019. The sample selection using the purposive sampling method with the criteria for the monthly financial statements of all conventional banks in Indonesia during the observation period January 2012-January 2019 has been published by Bank Indonesia. The number of samples used in this study were 85 samples. In this study the research methods used descriptive analysis, Classical Assumptions (Normality, nonautocorrelation, Multicollinearity, Heteroscedasticity), multiple regression model analysis, hypothesis testing (z-statistic test, F-statistic test, and coefficient of determination (R2) test). The results of this study found that Operating Costs to Operating Income (BOPO) had a negative and significant effect on Return On Assets (ROA), Capital Adequacy Ratio (CAR) and Net Interest Margin (NIM) had a negative and significant effect on Return on Assets (ROA) ), Loan to Deposit Ratio (LDR) has a positive but not significant effect on Return On Assets (ROA), Firm size and inflation have a negative and significant regression coefficient on Return On Assets (ROA).

scholarly journals Analisis Faktor Spesifik Bank Terhadap Non Performing Loan Pada Bank Umum Konvensional Yang Terdaftar Di Bursa Efek Indonesia

Owner ◽  
2022 ◽  
Vol 6 (1) ◽  
pp. 43-55
Author(s):  
Meily Juliani
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Return On Equity ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Specific Factors ◽  
Conventional Banks ◽  
Interest Margin

The purpose of this research is to analyze the effect of bank specific factors on non-performing loan on public conventional banks. The dependent variable studied was the non-performing loan and independent variables examined were capital adequacy ratio, bank size, loan to deposit ratio, net interest margin, return on equity, operating expenses to operating income, and earning per share.  The secondary data obtained from the annual reports submitted in the IDX. Sample consist of 32 public conventional banks listed in IDX in the period of 2012-2017. The result of this study indicate that bank size and net interest margin has a positive and significant impact on non-performing loan. While return on equity showed a negative and significant impact on non-performing loan. The result of this study also showed that capital adequacy ratio, loan to deposit ratio, operating expenses to operating income and earning per share did not have any significant impact on non-performing loan.

scholarly journals RASIO-RASIO KEUANGAN YANG BERPENGARUH TERHADAP NON PERFORMING LOAN (NPL) (Studi Bank Umum Konvensional Periode 2016-2018 di BEI)

2021 ◽  
Vol 9 (1) ◽  
pp. 30-37
Author(s):  
Shandy Marsono ◽  
Irwan Christanto Edy
Keyword(s):  
Stock Exchange ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Operating Income ◽  
Insignificant Effect ◽  
Operational Costs ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to determine financial ratios which include Return On Assets (ROA), Loan To Deposit Ratio (LDR), Operational Costs per Operating Income (BOPO), Net Interest Margin (NIM) and Capital Adequacy Ratio (CAR) against Non Performing Loans (NPL) at Conventional Commercial Banks that are Go Public which are listed on the Indonesia Stock Exchange in 2016-2018. This research is a quantitative descriptive study. The type of data used is secondary data obtained from www.bi.go.id and www.Idx.co.id. in the form of bank annual financial statements used as a sample with a time period of 3 years. While the sample of this study used purposive sampling method with certain criteria in order to obtain a sample of 14 banks. Based on the analysis method used, namely multiple linear regression which has passed the classical assumption test and hypothesis testing, the result is that partially Return on Assets (ROA) has a negative effect. significant, Loan To Deposit Ratio (LDR), Operational Costs per Operating Income (BOPO), and Capital Adequacy Ratio (CAR) have a negative and insignificant effect and Net Interest Margin (NIM) has a positive and insignificant effect on Non-Performing Loans (NPL). From the results of the analysis, the coefficient of determination is 0.240 or 24%. This means that the variables ROA, LDR, OEOI, NIM and CAR affect the NPL variable by 24%, while the rest is influenced by other variables outside of this study

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 Risiko, Efisiensi dan Kinerja pada Bank Konvensional di Indonesia

2017 ◽  
pp. 111
Author(s):  
Sutrisno Sutrisno
Keyword(s):  
Credit Risk ◽  
Stock Exchange ◽  
Liquidity Risk ◽  
Capital Adequacy ◽  
Negative Effects ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Conventional Banks

The purpose of this study is to examine the effect of risk, efficiency and performances of conventional banks in Indonesia. Risk variables consist of capital risk which are measured by Capital Adequacy Ratio (CAR), liquidity risk which are measured by Loan to Deposit Ratio (LDR), credit risk which are measured by Non Performing Loan (NPL) and management risk which are measured by Net Interest Margin (NIM). Efficiency is measured by Operating Expense to Operating Income (BOPO) while banking performances are measured by Return on Assets (ROA). The population of this study is all of conventional banks registered in Indonesia Stock Exchange(BEI.) Purposive sampling method is used and the number of samples is 16 banks. We use quarterly data during period of 2013-2014. The hypotheses are tested using multiple linear regression.The result shows that capital risk (CAR) has negative effects, Liquidity risk (LDR) has positive and significant effects, credit risk (NPL) has no significant effects and management risk (NIM) has positive and significant effects on banking performance. Meanwhile, efficiency (BOPO) has significant and negative effects on banking performance.  

scholarly journals Analisis Faktor – Faktor yang mempengaruhi Profitabilitas Bank Umum di Indonesia

2019 ◽  
Vol 16 (01) ◽  
pp. 96-126
Author(s):  
Soetjiati Soetjiati ◽  
Rimi Gusliana Mais
Keyword(s):  
Statistical Tests ◽  
Fixed Effect Model ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect ◽  
Interest Margin

: This thesis aims to provide an overview of the effects of Capital Adequacy Ratio (CAR), Operating Expenses Operating Income (BOPO), Non Performing Loans (NPL), Net Interest Margin (NIM), Loan Deposit Ratio (LDR), Capital Adequacy Ratio (CAR) ) partially or simultaneously on the performance of state-owned banks in Indonesia as measured by the ratio of Return on Assets (ROA). This Research uses a correlational type of study with a quantitave approach. The statistical tests used are descriptive statistics, Determination of estimation models, and hypothesis testing with the help of Eviews 9.0 software. The population in this study were 4 state-owned banks. Research Samples are all state-owned banks in Indonesia in the 2014-2018 period in the form of quarterly data. The Fixed Effect Model Results are The Capital Adequacy Ratio has a negative effect on the performance of state-owned banks in Indonesia, which was proxied by Return on Assets (ROA), so H1 was rejected. Operating Expenses Operating income has a negative effect on the performance of state-owned banks in Indonesia, which is proxied by Return on Assets (ROA), so that H2 is received. Non Performing Loans have no  effect on the performance of state-owned banks in Indonesia which are proxied by Return on Assets (ROA), so H3 is rejected. Net Interest Margin has a positive effect on the performance of state-owned banks in Indonesia, which is proxied by Return on Assets (ROA), so that H4 is accepted. Loan to Deposits Ratio has a positive effect on the performance of state-owned banks in Indonesia, which is proxied by Return on Assets (ROA), so that H5 is accepted. The results of the F Capital Adequacy Ratio (CAR) Test, Operational Income Operating Expenses (BOPO), Non Performing Loans (NPL), Net Intererst Margin (NIM) and Loan Deposit (LDR) simultaneously affect the performance of BUMN banks in Indonesia as measured by the ratio Return on Assets (ROA), so H6 is accepted

scholarly journals ANALISIS PENGARUH RASIO KEUANGAN TERHADAP KINERJA BANK (Studi Kasus pada Perbankan yang Terdaftar di BEI Tahun 2011-2015)

2019 ◽  
Vol 2 (1) ◽  
Author(s):  
Munir Nur Komarudin
Keyword(s):  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Operational Cost ◽  
Return On Assets ◽  
Operating Income ◽  
Insignificant Effect ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Descriptive Method ◽  
Interest Margin

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR) terhadap Return On Asset (ROA); pengaruh Non Nerforming Loan (NPL) terhadap ROA; pengaruh Net Interest Margin (NIM) terhadap ROA; pengaruh biaya operasional pendapatan operasional (BOPO) terhadap ROA; pengaruh Loan to Deposit Ratio (LDR) terhadap ROA; pengaruh CAR, NPL, NIM, LDR, BOPO secara simultan terhadap ROA bank yang terdaftar di BEI tahun 2011-2015.Metode penelitian yang digunakan adalah metode deskriptif verifikatif.� Pengolahan data dalam penelitian ini menggunakan perhitungan statistik regresi linier berganda. Selanjutnya, untuk mengetahui besarnya pengaruh CAR, NPL, NIM, BOPO dan LDR terhadap ROA menggunakan analisis koefisien determinasi, keberartian koefisien regresi linier berganda diketahui dengan menggunakan uji t. Kemudian untuk mengetahu pengaruh secara simultan menggunakan uji f.Hasil penelitian menunjukkan bahwa CAR tidak berpengaruh terhadap ROA. NPL tidak berpengaruh terhadap ROA. NIM berpengaruh positif dan tidak signifikan terhadap ROA. BOPO berpengaruh negatif dan signifikan terhadap ROA. LDR tidak berpengaruh terhadap ROA. Secara simultan CAR, NPL, NIM, BOPO dan LDR berpengaruh secara signifikan terhadap ROA bank yang terdaftar di BEI tahun 2011-2015.��Kata kunci : ROA, CAR, NPL, NIM, BOPO, LDR�ABSTRACT�This study aims to determine the effect of Capital Adequacy Ratio (CAR) on Return On Assets (ROA); The effect of Non Nerforming Loan (NPL) on ROA; The effect of Net Interest Margin (NIM) on ROA; The effect of operational cost of operating income (BOPO) on ROA; The effect of Loan to Deposit Ratio (LDR) on ROA; The effect of CAR, NPL, NIM, LDR, BOPO simultaneously against the ROA of banks listed on the BEI 2011-2015.The research method used is descriptive method verifikatif. Data processing in this study using the calculation of multiple linear regression statistics. Furthermore, to know the effect of CAR, NPL, NIM, BOPO and LDR against ROA using coefficient of determination analysis, multi linier regression coefficient significance is known by using t test. Then to know the effect simultaneously using test f.The results showed that CAR had positive and insignificant effect on ROA. NPL has a negative and significant effect on ROA. NIM has a positive and insignificant effect on ROA. BOPO has a negative and significant effect on ROA. LDR has a positive and significant effect on ROA. Simultaneously CAR, NPL, NIM, BOPO and LDR have a significant effect on the ROA of banks listed in BEI 2011-2015.�Keywords: ROA, CAR, NPL, NIM, BOPO, LDR�

scholarly journals Kinerja Perusahaan Perbankan (Studi Perbandingan Dua Periode Krisis di Indonesia)

2016 ◽  
Vol 2 (1) ◽  
pp. 63-72
Author(s):  
Nurhayani Lubis
Keyword(s):  
Stock Returns ◽  
Economic Crisis ◽  
Stock Return ◽  
T Test ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Abstract: The purpose of this study was to determine whether there are differences in the Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Return on Assets (ROA), Operating Expenses to Operating Income (ROA), Loan to Deposit Ratio (LDR), and stock returns in the two periods of crisis in Indonesia. Namelyin 1997and 2008.The sample inthis study are allfromthe1993-2010bankingcompany. There are fourhypothesesto be testedin this study. This study using t test SPSS to analyzed data. Keywords: Economic Crisis, Stock Return, CAR, NIM, ROA, BOPO, LDR

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 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%.

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