scholarly journals ANALISIS FAKTOR INTERNAL DAN EKSTERNAL BANK YANG MEMPENGARUHI PROFITABILITAS BANK UMUM DI INDONESIA

2017 ◽  
Vol 10 (1) ◽  
Author(s):  
Aris Fadjar ◽  
Hedwig Esti S ◽  
Tri Hartini EKP
Keyword(s):  
Exchange Rate ◽  
Interest Rate ◽  
Inflation Rate ◽  
Secondary Data ◽  
External Factors ◽  
Capital Adequacy ◽  
Internal Factors ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
The U.S

The purpose of this research is to analyze the influence of internal factors of banks consisting of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPLs), Operating Expenses Operating Income (BOPO), Loan to Deposit Ratio (LDR), and external factors of banks consisting of the value exchange rate of rupiah against the U.S. dollar, interest rate (SBI 1 month), and the inflation rate to Return On Asset (ROA) of the general bank. It used the secondary data from Indonesia Economic and Financial Statistic (SEKI) which published by Bank Indonesia monthly. The samples took from ROA of general bank as series, CAR, NPLs, BOPO, LDR, inflation rate, exchange rate rupiah to US $, and SBI rate with period 2007-2010. The result shows, external factors of banks and CAR do not significantly influence to the ROA of general Bank, while internal factors are significantly influence to ROA general bank. As the simultaneous, the seven variables have positive significant influence to the ROA general bank it can be proofed with F value > F table (7.574 > 2.589). And all of the independence variables have had influenced for 52.9 percent to the ROA general bank.

scholarly journals Analisis Pengaruh Faktor Internal dan Faktor Eksternal Terhadap Non Performing Financing pada Bank Umum Syariah

2021 ◽  
Vol 1 (3) ◽  
pp. 661-676
Author(s):  
Framesa Januari Rahmah ◽  
Leni Nur Pratami ◽  
Iwan Setiawan
Keyword(s):  
Inflation Rate ◽  
External Factors ◽  
Capital Adequacy ◽  
Internal Variables ◽  
Islamic Banking ◽  
Internal Factors ◽  
Capital Adequacy Ratio ◽  
External Variables ◽  
Negative Effect ◽  
The Moment

Islamic banking at the moment is one of the most important things in the economy in Indonesia. Non Performing Financing (NPF) is one of the ratio that is considered by Islamic banking. NPF is an indicator that shows the risk of payment failure in the financing provided by Islamic banking. This study aims to analyze the influence of internal factors and external factors on Non-Performing Financing. The study was conducted at Islamic Commercial Banks in Indonesia for the 2014-2018 period. The internal variables used are the Capital Adequacy Ratio (CAR) and the Financing to Deposit Ratio (FDR) and the external variables used are the inflation rate, Gross Domestic Product (GDP) and the BI Rate. The results of the research shown by the t test show that partially the CAR and BI Rate variables have a negative effect on NPF meanwhile FDR, inflation and GDP variables have no effect on NPF.

scholarly journals Peranan Intellectual Capital Pada Intermediary Function Terhadap Return On Equity Perusahaan Perbankan

2019 ◽  
Vol 11 (1) ◽  
pp. 59-72
Author(s):  
Anita Permatasari
Keyword(s):  
Intellectual Capital ◽  
Sampling Method ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Test Results ◽  
Return On Equity ◽  
Operating Income ◽  
Capital Adequacy Ratio

This study aims to examine the role of Intellectual Capital in banking companies listed on the Indonesia Stock Exchange. The research data used are secondary data in the form of financial data and financial ratios of banks listed on the  Indonesia Stock Exchange from 2010 to 2016 using the purposive sampling method. Based on sampling criteria, 23 banks were selected and divided into two categories: banks with low Intellectual Capital and banks with high Intellectual Capital. The results showed that there were three findings, namely the first test results on banks with low Intellectual Capital and high Intellectual Capital showed that Non Performing Loans (NPL), Operational Costs Per Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR) does not affect Return on Equity (ROE). Second, the results of testing on banks with low Intellectual Capital and high Intellectual Capital indicate that Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR) have no effect on Return on Equity (ROE). Third, the results of testing on banks with high Intellectual Capital indicate that Operational Cost Per Operational Income (BOPO) has an effect on Return on Equity (ROE).

scholarly journals PENGARUH LOAN TO DEPOSITE RATIO, RETURN ON ASSETS, CAPITAL ADEQUACY RATIO, EXCHANGE RATE DAN INTEREST RATE TERHADAP RETURN SAHAM

2017 ◽  
Vol 19 (3) ◽  
pp. 340
Author(s):  
Ketut Asmara Jaya
Keyword(s):  
Exchange Rate ◽  
Interest Rate ◽  
Stock Returns ◽  
Significant Influence ◽  
Stock Return ◽  
Random Effect ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Lm Test

Pertumbuhan pasar modal pada akhir tahun 2010 menunjukkan kinerja yang luar biasa dengan meningkatnya kembali nilai saham dengan dipengaruhi oleh berbagai faktor, baik faktor internal ataupun faktor eksternal dari setiap perusahaan. Studi ini menganalisis untuk pinjaman deposit rasio (LDR), pengembalian asset (ROA), rasio kecukupan modal (CAR), nilai tukar dan suku bunga yang berdampak pada keuntungan saham di perusahaan perbankan. Studi panel ini menggunakan data LM test statistik yang menunjukkan perhitungan metode random effect adalah cara yang lebih tepat digunakan untuk mengestimasi model dalam penelitian ini. Hasil studi menunjukkan bahwa variabel ROA memberikan pengaruh positif dan signifikan dalam return saham. Sedangkan variabel LDR, CAR dan Kurs tidak ada pengaruh yang signifikan terhadap return saham, dan hanya kecenderungan jika LDR, CAR dan Kurs meningkat maka return saham dapat meningkat pula Suku bunga variabel tidak memberikan pengaruh positif dan pengaruh signifikan karena tidak memiliki hubungan dengan return saham.Growth of Capital market in late 2010 showed outstanding performance with rising of stock return which is influenced by various factors, both internal factors and external factors of each company it self. This study analyzes the Loan To Deposite Ratio (LDR), Return On Assets (ROA), Capital Adequacy Ratio (CAR), Exchange Rate and Interest Rate impact on stock returns in corporate banking. This study uses panel data with LM Test statistical calculation it is shown that Random Effect method is more precise to be used in this study. The result of the study shown that ROA variable gives positive and significant influence in stock return. While LDR, variables CAR and exchange rate of no influence and significantly to return stock, and only tendency if LDR, CAR and exchange rate increase then return shares can be increased as well. The Interest Rate variable did not give positive and significant influence because of not having relationship with stock return.

scholarly journals Pengaruh CAR, FDR, Dan BOPO Terhadap ROA Pada Bank Syariah Di Indonesia

2021 ◽  
Vol 9 (2) ◽  
Author(s):  
Intan Rika Yuliana ◽  
Sinta Listari
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Predictive Ability ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio

Banking companies, including Islamic banking, need to avoid problems that can cause financial failure, which can make the bank unable to carry out its business operations and may end up in bankruptcy, so that the level of soundness of the bank based on risk must always be monitored. Therefore, banks must maintain their financial ratios in accordance with Bank Indonesia decisions and maintain their performance. So analyzing the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and the Ratio of Operating Costs to Operating Income (BOPO) on Return On Assets (ROA) in Islamic Banks is considered very important.   This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs on Operating Income (BOPO) on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia. This research includes quantitative research and the type of data used is secondary data. The data used in this study is the ratio of CAR, FDR, BOPO, and ROA for the period 2014–2019 which was obtained from the annual Financial Statements on the official website of each bank.   The population in this study were 14 Islamic Commercial Banks in Indonesia. After passing the purposive sampling stage, there were 6 samples of Sharia Commercial Banks that were suitable for use, namely BCA Syariah, BNI Syariah, Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah and BRI Syariah. The analytical method used in this research is Multiple Linear Regression Analysis.   The results of the partial study with the t-test showed that the CAR and FDR variables had a positive and significant effect on the ROA of Islamic commercial banks. While the BOPO variable has a negative and significant effect on the ROA of Islamic commercial banks. And the results of the f test show that the CAR, FDR, and BOPO variables together have a significant influence on the ROA of Islamic commercial banks. The predictive ability of these three variables on ROA is 82.7%, the remaining 17.3% is explained by other variables outside of this research.   Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses per Operating Income (BOPO), 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 The Impact of Macroeconomic and Banking Factors on Credit Growth in the Albanian Banking System

2015 ◽  
Vol 2 (1) ◽  
pp. 113 ◽  
Author(s):  
Ali Shingjergji ◽  
Marsida Hyseni
Keyword(s):  
Interest Rate ◽  
Unemployment Rate ◽  
Inflation Rate ◽  
Banking System ◽  
Ordinary Least Squares ◽  
Capital Adequacy ◽  
Gdp Growth ◽  
Credit Growth ◽  
Capital Adequacy Ratio ◽  
The Impact

The aim of this paper is to analyze the influence of some macroeconomic and bankhttp://ejes.euser.org/issues/may-august-2015/Ali.pdfing factors on credit growth in the Albanian banking system. From the literature review is noticed that the credit growth in the banking system is influenced by both macroeconomic and banking factors. We use credit growth as a dependent variable while as independent variables we use: GDP growth, inflation rate, unemployment rate, loan interest rate, capital adequacy ratio, bank size and NPL ratio. The relationship between credit growth and macroeconomic and banking factors was tested by using a regression model like the ordinary least squares (OLS). We take into consideration a period from 2002 – 2013 using quarterly panel data for the whole Albanian banking system with a total of 48 observations per each variable. The regression results find out that the credit growth in the Albanian banking system is positively related to GDP growth, inflation rate and capital adequacy ratio while is negatively related to unemployment rate, interest rate, non performing loans and bank size.

scholarly journals Analisis Faktor Eksternal dan Internal Bank terhadap Risiko Pembiayaan Bank Umum Syariah di Indonesia Periode 2012-2015

2018 ◽  
Vol 9 (1) ◽  
pp. 13
Author(s):  
Amalia Eka Purnamasari ◽  
Musdholifah Musdholifah
Keyword(s):  
Exchange Rate ◽  
Gross Domestic Product ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Negative Influence ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Analysis Model ◽  
Return On Assets ◽  
Capital Adequacy Ratio

The purpose of this research was to determine effect of growth gross domestic product, inflation, exchange rate, capital adequacy ratio, return on assets, operating expenses to operating revenues and bank size on financing risk (NPF) of Sharia Banks period 2012-2015. The data that use in this research is the secondary data, that is financial statement of Sharia Banks in Indonesia period 2012-2015. The sampling method that used in this research are purposive sampling and data analysis model used is the multiple linear regression analysis. The result of this research show that simultaneous each external and internal bank factor have influence on the NPF. But partially, showed that eksternal factor, namely growth gross domestic product, inflation and exchange rate have no influence on the NPF. While from the internal bank showed capital adequacy ratio and operating expenses to operating revenues have no influence, return on assets have a negative influence and bank size have a positive influence on the NPF. 

scholarly journals Mengukur Kinerja Pra Merger Tiga Bank Umum Syariah dan Pengaruhnya Terhadap Return on Asset

2021 ◽  
Vol 8 (1) ◽  
pp. 70-78
Author(s):  
Hanif Artafani Biasmara ◽  
Pande Made Rahayu Srijayanti
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Performance Variables ◽  
Capital Adequacy Ratio

Abstrak  - Pada tahun 2020, telah ditetapkan pelaksanaan merger antara tiga Bank Umum Syariah yang merupakan anak perusahaan dari Bank Badan Usaha Milik Negara (BUMN). Dimana ketiga bank tersebut adalah PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, dan PT Bank BNI Syariah. Penelitian ini dilakukan untuk mengukur kinerja keuangan ketiga bank tersebut sebelum dilakukannya merger dan pengaruhnya terhadap Return on Asset (ROA). Dalam penelitian ini, kinerja keuangan akan diukur dengan variabel Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), dan persentase pertumbuhan Dana Pihak Ketiga (DPK). Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh melalui laporan keuangan tahunan dari masing-masing bank dengan periode tahun 2015-2019. Dimana data diolah dan dianalisis dengan menggunakan Regresi Linear Data Panel melalui perangkat lunak Stata 16. Kinerja ketiga Bank Umum Syariah sebelum dimerger menunjukkan hasil yang baik. Selama lima tahun terakhir CAR dan NPF memiliki kinerja yang memuaskan. FDR dan BOPO berada sedikit melenceng dari batas minimum ataupun maksimum. Berikutnya, pertumbuhan DPK rata-rata sebesar 15, 89333%. Seluruh variabel kinerja bank tersebut setelah dilakukan pengolahan data, menunjukkan bahwa variabel CAR, FDR, NPF, BOPO, dan pertumbuhan DPK bersama-sama memiliki pengaruh signifikan terhadap ROA. Sedangkan secara parsial, CAR, NPF, dan pertumbuhan DPK tidak memiliki pengaruh signifikan terhadap ROA. Tetapi FDR dan BOPO memiliki pengaruh signifikan terhadap ROA. Dimana melalui penelitian ini diharapkan dapat menjadi pertimbangan bagi PT Bank Syariah Indonesia Tbk dalam upaya memperoleh kinerja yang baik dan pertumbuhan profitabilitas yang tinggiKata Kunci: CAR, FDR, NPF, BOPO, Pertumbuhan DPK, ROA, Bank Umum Syariah Abstract - In 2020, the implementation of a merger between three Islamic Commercial Banks which are subsidiaries of the State-Owned Enterprise (BUMN) Bank has been determined. Where the three banks are PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, and PT Bank BNI Syariah. This research was conducted to measure the financial performance of the three banks before the merger, and their effect on Return on Assets (ROA). In this study, financial performance will be measured by the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Operational Costs and Operating Income (OEOI), and the percentage growth in Third Party Funds (TPF).The data used in this study is secondary data obtained through the annual financial reports of each bank for the period 2015-2019. Where the data is processed and analyzed using Linear Data Panel regression through Stata 16. The performance of the three Islamic Commercial Banks before the merger showed good results. Over the last five years, CAR and NPF have performed satisfactorily. FDR and BOPO have slightly deviated from the minimum or maximum limits. Next, the growth in deposits was an average of 15.89333%. All of these bank performance variables, after data processing, show that the variables CAR, FDR, NPF, OEOI, and TPF growth together have a significant effect on ROA. Meanwhile, partially, CAR, NPF, and TPF growth have not a significant effect on ROA. However, FDR and BOPO have a significant effect on ROA. Where through this research it is hoped that in the future it can be a consideration for PT Bank Syariah Indonesia, Tbk to obtain good performance and high profitability growth.Keywords: CAR, FDR, NPF, OEOI, TPF Growth, ROA, Islamic Commercial Banks

scholarly journals FINANCIAL PERFORMANCE ANALYSIS FOR RETURN ON ASSETS WITH A MULTIPLE LINIER REGRESSION APPROACH

2020 ◽  
Vol 8 (2) ◽  
pp. 42-50
Author(s):  
Hendra H Dukalang
Keyword(s):  
Financial Performance ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Spss Software ◽  
Asset Quality ◽  
Microsoft Office

This study aims to model the factors that affect the financial performance of Bank Muammalat, including Capital Adequacy Ratio (CAR), Earning Asset Quality (KAP), Operational Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) to Return on Assets. (ROA) This research uses secondary data taken based on time series. The analysis technique in this study uses multiple linear regression using SPSS software version 20 and Microsoft Office Excel 2010. The results of this study indicate that partially the CAR and KAP partially do not have a significant effect on Return On. Assets, while Operational Expenses to BOPO and FDR partially have a significant effect on Return on Assets. Simultaneously, these four variables have a significant effect on Return on Assets at PT Bank Muamalat Indonesia. Based on the results of the Determination Coefficient test, the value of Adjusted R Square (R2) is 99.00%, this means that the amount of Return on Assets can be influenced and explained by the variables CAR, KAP, BOPO, and FDR, while the remaining 1% is explained by variables not examined in this study.

Determinan Return On Asset Bank BRI Syariah Periode 2015-2019

2020 ◽  
Vol 4 (1) ◽  
pp. 45-55
Author(s):  
Ilani Pujiyanti ◽  
Faisal Rakhman
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Negative Side ◽  
Capital Adequacy Ratio ◽  
Multiple Regression Coefficient ◽  
Negative Effect

The level of BRISyariah Capital Adequacy Ratio (CAR) for the period 2015-2019 is already in the very healthy category (above 12%), while the level of Financing to Deposit Ratio (FDR) is still in a fairly healthy category (around 85%), the ratio of Operating Costs to Operating Income ( BOPO) is in the unhealthy category (above 95%), as well as the level of Return On Assets (ROA), especially during 2019, is in the unhealthy category (below 0.5%). This study analyzes the influence of CAR, FDR, BOPO on ROA in BRISyariah. This research is a quantitative type with an associative approach. With secondary data in the form of published quarterly financial reports of BRISyariah for the period 2015-2019. Tests conducted to determine the relationship and influence between variables partially and simultaneously, multiple regression, coefficient of determination, t test and F test. The results of this study indicate that (1) there is a negative effect of CAR on ROA where the value of tcount>ttable (2.352>2.120) is on the negative side with R2 of 23.5%, (2) there is no effect of FDR on ROA where the tcount value is<ttable (-0,127<2,120) with R2 of 0.1%, (3) there is a negative effect of BOPO on ROA where the tcount>ttable (11,823>2,120) with the tcount on the negative side, while the R2 value is 88.8 %. (4) simultaneously there is a significant effect of CAR, FDR and BOPO on ROA with the results of Fcount>Ftable (331,743> 3,24) with a R2 value of 98.4%. The concluded that the risk of own capital (CAR) in high number and the more inefficient bank operations (BOPO), make ability the bank's is low to increase profits.

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