scholarly journals Financial Stability Index for the Financial Sector of Pakistan

Economies ◽  
2019 ◽  
Vol 7 (3) ◽  
pp. 81
Author(s):  
Sadia Babar ◽  
Rashid Latief ◽  
Sumaira Ashraf ◽  
Sania Nawaz
Keyword(s):  
Financial Stability ◽  
Stability Index ◽  
Financial Sector ◽  
Decision Makers ◽  
Return On Assets ◽  
Financial Reports ◽  
Liquid Asset ◽  
Return On Equity ◽  
Linear Probability

This study aims to develop a financial stability index for the Pakistani financial sector by using the financial reports for the period of 2001–2011. Specifically, we constructed three different classes of indices in this study based on a variance-equal weighted approach, a linear probability approach, and a logistic approach. We also assessed the prediction accuracy of the financial stability index. All indices indicated that profitability, liquid liability to the liquid asset, non-performing loan, uncovered liabilities, interest spread and inter-fund to liquid liabilities variables contribute significantly to the determination of financial stress of commercial banks. We also compared the results of indices computed with different methodologies—among them was the index constructed by employing coefficients of the logistic model and which performed outstandingly in predicting distressed and non-distressed banks. Moreover, the findings of this study suggest that in regard to return on assets and return on equity, when employed in a stepwise manner for developing the financial stability index, the results are similar in the sense that both profitability indicators have the same behavior. Finally, we conclude that the financial stability indices developed in this study could help decision makers to detect and avoid instability in the future.

scholarly journals The Impact of Non-Performing Loans, Return on Assets, Return on Equity, and Loan to Deposit Ratios on Minimum Capital Adequacy Requirement Based on Commercial Banks for Business Activities (BUKU) I 2015-2020

2021 ◽  
Vol 6 (6) ◽  
pp. 42-46
Author(s):  
Rano Rahadian ◽  
Dudi Permana
Keyword(s):  
Panel Data ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Financial Reports ◽  
Return On Equity ◽  
Minimum Capital ◽  
The Impact

The purpose of this research is to gain an understanding of The Impact of Non-Performing Loans, Return on Assets, Return on Equity, and Loan to Deposit Ratios on Minimum Capital Adequacy Requirement Based on Commercial Banks for Business Activities (BUKU) I 2015-2020. The data of this research is obtained from financial reports published by each bank in 2015 to 2020 period. This research uses panel data processed using EViews software version 9.0. The results show that NPL negatively and insignificantly affects CAR. ROA gives positive and insignificant impacts toward CAR, while ROE causes negative and insignificant effects on CAR. In addition, there is positive and significant impacts on CAR caused by LDR.

scholarly journals Analisis Profitabilitas Pada PT Unilever Indonesia, Tbk

2020 ◽  
Vol 4 (2) ◽  
pp. 78
Author(s):  
Vargo Christian L. Tobing
Keyword(s):  
Financial Statements ◽  
Profit Margin ◽  
Upward Trend ◽  
Return On Assets ◽  
Financial Reports ◽  
Return On Equity ◽  
High Profit

The purpose of this research is to determine the performance of PT Unilever Indonesia as seen from the company’s ability to generate profits. The financial statements studied are financial reports that have been published on IDX. The periode of the financial statements studied is a period of 5 years, from 2014 to 2018. From the results of the study, it can be seen that the company’s ability to generate profits can be concluded very well. This is because trends resulting from profit margin ratios and return on assets show an upward trend in profits. The return on equity profit ratio does not invrease. However, the company still gets a high profit

scholarly journals Impact of determinants of the financial distress on financial sustainability of Ethiopian commercial banks

2019 ◽  
Vol 14 (3) ◽  
pp. 187-201 ◽  
Author(s):  
Kishor Meher ◽  
Henok Getaneh
Keyword(s):  
Financial Distress ◽  
Commercial Banks ◽  
Financial Stability ◽  
Liquidity Risk ◽  
Stability Index ◽  
Financial Sustainability ◽  
Net Income ◽  
Return On Assets ◽  
Asset Quality ◽  
Bank Soundness

The study aims to investigate the impact of determinants of financial distress on financial sustainability of Ethiopian commercial banks. The balanced panel data of 12 commercial banks of Ethiopia have been taken for the study from 2011 to 2017. The research deploys Ordinary Least Square (OLS) Regression Model. The indicators of financial distress are bank’s specific internals and macro-economic factors. The proxies of financial sustainability are Return on Assets, Return on Equity, Financial Stability Index and Bank Soundness. The findings reveal that the Absolute Liquidity Risk and Net Income Growth are found to be positive and significant and Solvency Risk negative and significant in relation to Return on Assets. Asset Quality is found to be positive and significant and Solvency Risk negative and significant with respect to Return on Equity. The Asset Quality and Net Income Risk are positive and significant and Solvency Risk is negative and significant with relation to the Financial Stability Index. Absolute Liquidity Risk and Liquidity Risk are positive and significant and Credit Risk negative and significant with Bank Soundness. Free Cash Flow and Net Income Growth are essential for enhancing Return on Assets and Bank Soundness, and managing equity within the prudential norms could bring forth short-term financial sustainability of commercial banks. By lowering provisioning of loan loss, Growth in Net Interest Income and managing Solvency Risk could ensure financial stability to the banks, which in turn leads to financial sustainability. The study reveals that financial sustainability of banks is insulated from the exposures of systematic risks originating from macroeconomic factors.

scholarly journals Analisis Tingkat Bagi Hasil Mudharabah: di Tinjau dari Rasio Return on Assets (ROA), Financial to Deposit Ratio (FDR) dan Biaya Operasional dari Pendapatan Operasional (BOPO) (Studi pada Bank Umum Syariah di Indonesia Periode 2014-2018)

2020 ◽  
Vol 6 (2) ◽  
pp. 321
Author(s):  
Bayu Tri Cahya ◽  
Rikha Zakiyah ◽  
Rukmini Rukmini ◽  
Aryanti Muhtar Kusuma
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Operating Cost ◽  
Total Sample ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income

This study aims to determine the influence of return on assets (ROA), financing to deposit ratio (FDR), and Operating Cost from Operating Income of profit sharing rate for mudharabah deposits. The population in this study is 14 islamic banks in Indonesia and the total sample used is 7 islamic banks. Determination of the sample using nonprobability sampling with technique using purposive sampling with criteria for Islamic banks that issue quarterly financial reports in full in the year 2014-2018. The method of data analysis using multiple regression analysis with SPSS version 23. The results of this study indicate that the variable ROA and BOPO partially have a positive and significant influence on profit sharing rate for mudharabah deposits. While the variable FDR have a negative on profit sharing rate for mudharabah deposits.

scholarly journals FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP HARGA SAHAM SYARIAH PT. WIJAYA KARYA, TBK., DAN PT. ANEKA TAMBANG, TBK.

2021 ◽  
Vol 1 (2) ◽  
pp. 36-44
Author(s):  
Zahida I’tisoma Billah ◽  
Nuri Fara Daisil Jinnani
Keyword(s):  
Stock Price ◽  
Sampling Method ◽  
Secondary Data ◽  
Financial Statements ◽  
Return On Assets ◽  
Financial Reports ◽  
Return On Equity ◽  
Analysis Technique ◽  
Equity Ratio ◽  
Selection Of

The stock price always changes. Investors can find out the factors that influence it with a fundamental analysis of the company's financial statements. This study aims to determine whether the Return On Assets, Return On Equity, and Debt to Equity Ratio affect the stock price fluctuation of PT. Wijaya Karya, Tbk. and PT. Aneka Tambang, Tbk. in 2016-2018. The research method used is descriptive quantitative, then this study uses the population and samples in the selection of research objects. The population consisted of 30 companies registered in JII, the sampling method was purposive sampling and obtained PT. Wijaya Karya, Tbk. and PT. Aneka Tambang, Tbk. The research data is secondary data obtained from the annual financial reports of the two research samples. The data analysis technique used is multiple regression. The results of the study concluded that both simultaneously and partially ROA, ROE, and DER did not have a significant effect on the stock price of PT. Wijaya Karya, Tbk. and PT. Aneka Tambang, Tbk. 2016-2018 period.

scholarly journals Profitability Ratio Analysis at PT. Medikaloka Hermina, TBK.

2021 ◽  
Vol 1 (1) ◽  
pp. 60-67
Author(s):  
Giri Gintang Miransyah ◽  
Sri Rahayu Sangra Dempo ◽  
Sutisna Sutisna
Keyword(s):  
Financial Performance ◽  
Initial Public Offering ◽  
Stock Exchange ◽  
Ratio Analysis ◽  
Management Effectiveness ◽  
Return On Assets ◽  
Financial Reports ◽  
Return On Equity ◽  
Net Profit ◽  
Public Offering

This study aims to determine the company's financial performance by using profitability ratio analysis, where the profitability ratio is a ratio that aims to determine the company's ability in generating profit over a certain period and also provides an overview of the level of management effectiveness in carrying out its operations. Profitability ratio consists of three ratios, among others Return On Assets, Return On Equity and Net Profit Margin. The research object is PT Medikaloka Hermina Tbk, where the health services company has done IPO (Initial Public Offering) or initial public offering so that economic growth of company very rapidly. The purpose of this study is to test and analyze the financial performance of the company at PT. Medikaloka Hermina Tbk. year 2018 - 2020 if reviewed from the profitability ratio. The sample of this research is financial reports from PT Medikaloka Hermina Tbk for 2018 – 2020 published on the Indonesia Stock Exchange website

scholarly journals PENGARUH PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH (BUS) PERIODE 2015-2017

2019 ◽  
Vol 3 (2) ◽  
Author(s):  
Lucy Auditya ◽  
Lufika Afridani
Keyword(s):  
Data Analysis ◽  
Commercial Banks ◽  
Secondary Data ◽  
Financial Statements ◽  
Islamic Banks ◽  
Simple Linear Regression ◽  
Return On Assets ◽  
Financial Reports ◽  
Return On Equity ◽  
Analysis Technique

The purpose of this study was to determine the effect of musyarakah financing on profitability in Sharia Commercial Banks in Indonesia for the 2015-2017 period and to find out how much influence musyarakah financing had on profitability in sharia commercial banks for the period 2015-2017. The limitation of the problem of this research is on the profitability of financial ratios ROA (Return On Assets) and ROE (Return On Equity). To disclose these issues in depth and thoroughly, researchers used a quantitative approach with secondary data collection techniques in the form of financial statements of each sharia bank for three consecutive years and provided quarterly financial reports, obtained by 5 Islamic banks to obtain 60 data. The data analysis technique used is simple linear regression using the SPSS version 16. Then the data is described, analyzed and discussed to answer the problems raised. From the results of the study it was found that musyarakah financing had a significant effect on ROA at alpha 5%. This is evidenced by the significance value (Sig.) (0.002) <(α) 0.05. While musyarakah financing has no significant effect on ROE at alpha 5%. This is evidenced by the significance value (Sig.) (0.669)> (α) 0.05.

scholarly journals COMMERCIAL BANKING PERFORMANCE AND ECONOMIC GRPWTH: THE CASE OF TUNISIA BETWEEN 19902018

2020 ◽  
Vol 4 (01) ◽  
Author(s):  
Imet Mtir ◽  
Nizar Ben Abdallah
Keyword(s):  
Commercial Banks ◽  
Parametric Method ◽  
Commercial Banking ◽  
Data Envelopment ◽  
Subprime Crisis ◽  
Return On Assets ◽  
Return On Equity ◽  
The One ◽  
The Impact

In this paper, we propose to assess the efficiency scoretechniques of 10 Tunisian commercial banks for the period cover 1990 to 2018. The local banking landscape was marked, during the period studied, by significant changes following the adoption by the Tunisian government, of various financial liberalization measures as well as the period of the subprime crisis and then the revolution of 2011. Given studying the technical efficiency levels achieved by Tunisian commercial banks, we propose a non-parametric method, the approach DEA, data envelopment analysis, on the one hand, and the determination of the variables explaining the level of performance on the other. Our results allow us to conclude that the banks which obtained the best average efficiency scores are: Amen Bank (100%) and Arab Tunisian Bank (98.9%). Whereas, other banks are considered inefficient. To study the impact of banking performance indicators, a variable that measures the crisis, Equity, total assets, and total liabilities on the efficiency scores calculated by the DEA methodology, return on assets (ROA) and return on equity (ROE), we used an ECM error correction model in panel data. The results show the positive impacts of these indicators on banking performance in Tunisia.

scholarly journals Determinan Struktur Modal Pada Perusahaan Yang Terdaftar Di Jakarta Islamic Index

2021 ◽  
Vol 10 (2) ◽  
pp. 200-214
Author(s):  
Yogi Saputra ◽  
Ummu Salma Al-Azizah ◽  
Yadi Nurhayadi
Keyword(s):  
Capital Structure ◽  
Firm Size ◽  
Quantitative Research ◽  
Secondary Data ◽  
Gdp Growth ◽  
Linear Regression Method ◽  
Return On Assets ◽  
Financial Reports ◽  
Return On Equity ◽  
The Capital Structure

This study aimed to analyze the factors that influence the capital structure of companies listed on the Jakarta Islamic Index (JII). These factors consist of company size, return on assets (ROA), return on equity (ROE), inflation, and growth in the gross domestic product (GDP). This research is quantitative research with a purposive sampling method and obtained a sample of 9 companies. The data used is secondary data in financial reports on companies registered with JII in 2015-2019. Data analysis using the multiple linear regression method. The results showed that ROA had a significant adverse effect on the capital structure, ROE has a significant positive effect on the capital structure, firm size does not affect the capital structure, inflation does not affect the capital structure, GDP growth does not affect the capital structure. Simultaneously, firm size, ROA, ROE, inflation, and GDP growth significantly affect the capital structure.

scholarly journals ANALYSIS OF VARIATIONS IN PROFITABILITY AND INDEBTEDNESS OF AGRICULTURAL COMPANIES IN AP VOJVODINA

2019 ◽  
pp. 161
Author(s):  
Vera Mirović ◽  
Branimir Kalaš ◽  
Kristina Mijić
Keyword(s):  
Agricultural Sector ◽  
Performance Level ◽  
The Other ◽  
Net Income ◽  
Return On Assets ◽  
Return On Equity ◽  
Other Hand ◽  
Significant Difference

The measurement of agricultural companies in terms of profitability and indebtedness enables a real determination of role and position of these companies in the agricultural sector in AP Vojvodina. The aim of the paper is to show the presence or absence of significant difference in the performance level of agricultural companies from the aspect of profitability and indebtedness. Agricultural companies in AP Vojvodina were more profitable and more indebted in the period before 2013 compared to the period after 2013. The results show that there is a significant difference in profitability level of agricultural companies in AP Vojvodina between the period 2013 and after 2013. Using MANOVA test, it is identified a significance for return on assets (ROA), return on equity (ROE) and net income per employee. On the other hand, results reflect there is no significant difference in indebtedness level of agricultural companies in AP Vojvodina between the period before 2013 and after 2013.

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