Analisis Rasio Modal Kerja Pada PT. Bank BNI Tbk

This research aims to analyze and find out how working capital adequacy ratio. This research was conducted at the PT. Bank BNI Tbk. The methods used in this research is descriptive quantitative and analytical tools used are Working capital adequacy Ratio which consists of three types of ratios i.e. ratio of Total Assets to capital The work is clean, current liabilities against the Net working capital and working capital Turnover. The data used are secondary data from the financial statements of PT Bank BNI Tbk. Results of the study explained that the calculation of the ratio of Total Assets Against Net working capital in the year 2015 to 2017. And the results of calculation of the ratio of current liabilities against the Net working capital in the year 2015 to 2017. And the results of the calculation of working capital Turnover Ratio by the year 2015 to 2017 is also quite good. The results of the analysis of the work on capital adequacy ratio of the company will give an overview of how companies can manage the capital works. We suggest PT Bank BNI Tbk. can use working capital optimally. So the company could cover the liabilities are short-term and the company was able to produce profits every year.

Download Full-text

ANALISIS PENGARUH DANA PIHAK KETIGA (DPK), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFOMING FINANCING (NPF) TERHADAP PEMBIAYAAN (STUDI PADA BUS DAN UUS DI INDONESIA PERIODE 2014-2018)

Imara JURNAL RISET EKONOMI ISLAM ◽

10.31958/imara.v3i2.1658 ◽

2019 ◽

Vol 3 (2) ◽

pp. 141

Author(s):

Zuwardi Zuwardi ◽

Hardiansyah Padli ◽

Mohammad Aliman Shahmi

Keyword(s):

Secondary Data ◽

Capital Adequacy ◽

Third Party ◽

Short Term ◽

Factors Influencing ◽

Capital Adequacy Ratio ◽

Endogenous Variables

This study aims to analyze the factors influencing financing on BUS and UUS in Indonesia. Exogenousvariables in this study are Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-PerformingFinancing (NPF), while endogenous variables are financing. This study used secondary data consisted monthlydata of BUS and UUS in 2014-2018. This data is taken from SHARIA banking statistics released by the OJK. Theresearch results obtained that DPK and CAR significantly and positively affect long term financing. While NPFhas no significant effect on long term financing. DPK and NPF also have a positive and significant impact onshirt term financing. Another result was CAR has no significant effect on short term financing.

Download Full-text

ANALISIS OPTIMALISASI MODAL KERJA PT UNILEVER INDONESIA TBK

Jurnal Ekonomi Integra ◽

10.51195/iga.v11i1.151 ◽

2021 ◽

Vol 11 (1) ◽

pp. 048

Author(s):

Fera Maulina

Keyword(s):

Raw Materials ◽

Secondary Data ◽

Financial Statements ◽

Capital Requirements ◽

Capital Management ◽

Working Capital ◽

Short Term ◽

Working Capital Management ◽

Operational Process ◽

The Real

ABSTRACT This study aims to determine working capital requirements and optimization of working capital at PT Unilever Indonesia Tbk. The form of research used is descriptive and uses secondary data obtained from PT Unilever Indonesia Tbk's 2015-2019 financial statements and other sources obtained from literature studies by studying books and journals that are related to the problem under study. The results showed that (1) PT Unilever Indonesia Tbk's need for working capital in 2016-2019 tends to increase. When compared with the available working capital (current assets), PT Unilever Indonesia is experiencing a lack of working capital to finance the company's operations. This lack of working capital will certainly cause PT Unilever Indonesia Tbk to experience liquidity problems, which is the inability to pay short-term obligations on time. Companies will seek credit as a source of funds in order to increase the fulfillment of current assets wealth needs in order to buy raw materials and even pay for employee salaries and other expenses. (2) PT Unilever Indonesia Tbk's optimal working capital in 2015-2018 tends to increase. The real working capital that is in the company is not optimal where the real working capital is not the same as the optimal working capital obtained. Real working capital less than optimal working capital will hamper or disrupt the smooth production or operational process because the company lacks funds. Even though the existing real working capital is not optimal, the amount obtained is not much lower than the optimal working capital. Keywords: working capital management, workong capital requirements, optimization of working capital. ABSTRAK Penelitian ini bertujuan untuk mengetahui kebutuhan modal kerja dan optimalisasi modal kerja pada PT Unilever Indonesia Tbk. Bentuk penelitian yang digunakan adalah deskriptif dan menggunakan data sekunder yang diperoleh dari laporan keuangan PT Unilever Indonesia Tbk tahun 2015-2019 dan sumber lain yang diperoleh dari studi pustaka dengan mempelajari buku dan jurnal yang berkaitan dengan masalah yang diteliti. Hasil penelitian menunjukkan bahwa (1) Kebutuhan modal kerja PT Unilever Indonesia Tbk tahun 2016-2019 cenderung meningkat. Jika dibandingkan dengan modal kerja yang tersedia (aset lancar), PT Unilever Indonesia mengalami kekurangan modal kerja untuk membiayai operasional perusahaan. Kekurangan modal kerja ini tentunya akan menyebabkan PT Unilever Indonesia Tbk mengalami kesulitan likuiditas, yaitu ketidakmampuan membayar kewajiban jangka pendek tepat waktu. Perusahaan akan mencari kredit sebagai sumber dana guna meningkatkan pemenuhan kebutuhan kekayaan aset lancar guna membeli bahan baku bahkan membayar gaji karyawan dan biaya lainnya. (2) Modal kerja optimal PT Unilever Indonesia Tbk pada 2015-2018 cenderung meningkat. Modal kerja riil yang ada di perusahaan belum optimal dimana modal kerja riil tidak sama dengan modal kerja optimal yang diperoleh. Modal kerja riil yang kurang dari modal kerja optimal akan menghambat atau mengganggu kelancaran proses produksi atau operasional karena perusahaan kekurangan dana. Meskipun modal kerja riil yang ada belum optimal, namun jumlah yang diperoleh tidak jauh lebih rendah dari modal kerja optimal. Kata kunci: pengelolaan modal kerja, kebutuhan modal kerja, optimalisasi modal kerja

Download Full-text

Pengaruh Kecukupan Modal, Fungsi Intermediasi, Pembiayaan Bermasalah, dan Biaya Operasional Terhadap Profitabilitas Indusstri Bank Syariah Periode Januari 2010-Desember 2012

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol1iss20142pp79-91 ◽

2015 ◽

Vol 1 (2) ◽

pp. 79

Author(s):

Mega Ayu Maharanie ◽

Sri Herianingrum

Keyword(s):

Banking Industry ◽

Secondary Data ◽

Financial Statements ◽

Capital Adequacy ◽

Islamic Banking ◽

Sampling Techniques ◽

Islamic Banks ◽

Operational Cost ◽

Significance Level ◽

Capital Adequacy Ratio

The objectives of this research to analyze the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR), intermediary functions as measured by Non Performing Financing (NPF), financial problems as measured by Financing to Deposit Ratio (FDR), and operational cost as measured by BOPO to profitability as measured by Return On Asset (ROA) of Islamic Banking Industry in the period of 2010-2012. The population used for the study is Islamic banks whose financial statements have been published to Bank Indonesia from 2010-2012. The sampling techniques is cencus sampling, so the sample in this study is every unit in a population. The data of this study used secondary data from the website of Bank Indonesia. The method of data analysis which was used is multiple linier regression analysis.From the result of analyse indicate that CAR, NPF, and BOPO variables has significantly affcet in partial toward ROA at level of significant less than 0,05, but only FDR variable has no significantly affect to the ROA. While, CAR, FDR, NPF, and BOPO variables in simultan has no affect to the ROA with a significance level of 0,000.

Download Full-text

PENGARUH PEMBIAYAAN USAHA MIKRO, KECIL, MENENGAH (UMKM), DAN KECUKUPAN MODAL TERHADAP KEMAMPUAN MENDAPATKAN LABA DARI ASET PERBANKAN SYARIAH DI INDONESIA

al-Uqud Journal of Islamic Economics ◽

10.26740/jie.v1n2.p183-201 ◽

2017 ◽

Vol 1 (2) ◽

pp. 183

Author(s):

Taudlikhul Afkar

Keyword(s):

Small And Medium Enterprises ◽

Secondary Data ◽

Sampling Technique ◽

Financial Statements ◽

Capital Adequacy ◽

Islamic Banking ◽

Real Sector ◽

Unit Of Analysis ◽

Capital Adequacy Ratio ◽

Medium Enterprises

The purpose of this research is to know the influence of sharia financing by the real sector through micro, small and medium enterprises (SMEs) and the influence of capital adequacy of Islamic Banking in Indonesia in order to earn profit by using managed assets. This study uses a quantitative approach that analyzes secondary data from financial statements Islamic Banking in Indonesia period 2012-2015. Sampling technique using purposive sampling with the ratio of each variable as a unit of analysis. The analysis used multiple linear regression with t test partially. The results showed that the influence of Islamic financing of micro, small and medium enterprises (SMEs) on the ability to get a very significant profit partially by 0.708 or 70.8%, while the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR) -0.519 or -51.9%. The Effect of micro, small and medium enterprises (SMEs) financing and Capital Adequacy of Islamic Banking in obtaining profit amounts to 55.7%. This research shows that the financing of UMKM given by Islamic Banking gives an important role for entrepreneurs to develop his business with sharia scheme.

Download Full-text

Pengaruh Capital Adequacy Ratio (CAR) dan Loan to Deposit Ratio (LDR) Terhadap Return On Assets (ROA) Pada Bank BUMN Yang Terdaftar Pada Bursa Efek Indonesia Periode 2014-2017

Neraca : Jurnal Akuntansi Terapan ◽

10.31334/neraca.v1i1.645 ◽

2020 ◽

Vol 1 (1) ◽

pp. 30-42

Author(s):

Mia Saraswati ◽

Fika Aryani

Keyword(s):

Stock Exchange ◽

Secondary Data ◽

Financial Statements ◽

Capital Adequacy ◽

Return On Assets ◽

Regression Methods ◽

Test Variable ◽

Capital Adequacy Ratio ◽

Saturated Sample ◽

Sample Method

This research aims to examine the effect of the Capital Adequacy Ratio and Loan to Deposit Ratio on Return On Assets. The population in this research were state-owned banks listed on the Indonesia Stock Exchange quarterly period from 2014 - 2017. Sampling in this research used a saturated sample method in order to obtain a sample of 63 samples from 4 companies. This research uses a quantitative approach with the type of associative research. This research uses secondary data in the form of company financial statements obtained from the Indonesia Stock Exchange. The data is then analyzed using multiple linear regression methods with SPSS version 24. The results of the analysis show that partially Capital Adequacy Ratio has no effect on Return On Assets. significant to Return On Assets which is shown from the results of the t test variable LDR 0,000 <0.05. Simultaneously, Capital Adequacy Ratio and Loan to Deposit Ratio have a significant effect on Return On Assets, this is indicated by the significance of the F test of 0.000 <0.05

Download Full-text

PENGARUH PEMBIAYAAN USAHA MIKRO, KECIL, MENENGAH (UMKM), DAN KECUKUPAN MODAL TERHADAP KEMAMPUAN MENDAPATKAN LABA DARI ASET PERBANKAN SYARIAH DI INDONESIA

al-Uqud Journal of Islamic Economics ◽

10.26740/al-uqud.v1n2.p183-201 ◽

2017 ◽

Vol 1 (2) ◽

pp. 183

Author(s):

Taudlikhul Afkar

Keyword(s):

Small And Medium Enterprises ◽

Secondary Data ◽

Sampling Technique ◽

Financial Statements ◽

Capital Adequacy ◽

Islamic Banking ◽

Real Sector ◽

Unit Of Analysis ◽

Capital Adequacy Ratio ◽

Medium Enterprises

Download Full-text

Pengaruh Penyaluran Kredit Usaha Rakyat, Non Performing Loan,Tingkat Suku Bunga Bank Indonesia dan CAR Terhadap Profitabilitas (Studi Kasus Pada PT Bank Rakyat Indonesia (PERSERO) TBK Periode 2010-2017)

JAF- Journal of Accounting and Finance ◽

10.25124/jaf.v3i1.2109 ◽

2019 ◽

Vol 3 (1) ◽

pp. 24

Author(s):

Muhammad Andhika Wiranegara

Keyword(s):

Interest Rates ◽

Statistical Tests ◽

Secondary Data ◽

Financial Statements ◽

Capital Adequacy ◽

The Other ◽

Return On Assets ◽

Processing Application ◽

Analysis Technique ◽

Capital Adequacy Ratio

The purpose of this study was to determine whether the level of People's Business Credit distribution, non-performing loans, Bank Indonesia interest rates and CAR can affect the level of profitability (Return On Asset) of PT Bank Rakyat Indonesia (Persero) Tbk, this study using secondary data sourced from the quarterly financial statements in the period 2010-2017. In managing the data that is owned, the author uses the SPSS version 20 data processing application. The data analysis technique used is multiple linear regression and to test the hypotheses of this study using t-statistical tests to test hypotheses partially and f-statistical tests to test hypothetically simultaneous. From the results of the tests that have been carried out in the Business Credit distribution, the interest rates of Bank Indonesia and CAR do not partially affect Return On Assets, while the non-performing loans affect Return On Assets. Simultaneously, the variable of People's Business Credit distribution, non-performing loans, Bank Indonesia interest rates and CAR has an effect on Return On Asset of 71.4 percent and the other is influenced by variables other than those studied. Key notes : Kredit Usaha Rakyat, Non Performing Loan, tingkat suku bunga Bank Indonesia, Capital Adequacy Ratio, Return On Asset.

Download Full-text

THE EFFECT OF FINANCIAL PERFORMANCE RATIOS ON CONVENTIONAL BANK PROFITABILITY IN INDONESIA STOCK EXCHANGE

Ekuilibrium Jurnal Ilmiah Bidang Ilmu Ekonomi ◽

10.24269/ekuilibrium.v14i2.1568 ◽

2019 ◽

Vol 14 (2) ◽

pp. 84

Author(s):

Ahmad Azmy ◽

Iqbal Febriansyah ◽

Anita Munir

Keyword(s):

Financial Performance ◽

Commercial Banks ◽

Stock Exchange ◽

Secondary Data ◽

Financial Statements ◽

Capital Adequacy ◽

Test Results ◽

Return On Assets ◽

Bank Profitability ◽

Capital Adequacy Ratio

This study aims to analyze the effect of the ratio of financial performance to the profitability of private conventional commercial banks listed on the Indonesia Stock Exchange. Retrieval of data using financial statements from fourteen conventional commercial banks. The independent variables used include Capital Adequacy Ratio (CAR), Operational Income Operating Expenses (BOPO), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR). The profitability variable is proxied by Return on Assets (ROA). This type of research is quantitative that uses secondary data. The analysis was carried out using multiple regression analysis. The results showed that, CAR and NPL had no effect on ROA, while BOPO and LDR had a significant effect on ROA. Then the F Test results show that CAR, NPL, BOPO, and LDR simultaneously influence ROA

Download Full-text

ANALYSIS OF THE EFFECT OF CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, AND FINANCING TO DEPOSIT RATIO ON PROFITABILITY: A CASE STUDY ON ISLAMIC COMMERCIAL BANKS IN INDONESIA

Journal of Management and Islamic Finance ◽

10.22515/jmif.v1i1.3566 ◽

2021 ◽

Vol 1 (1) ◽

pp. 32-47

Author(s):

Ema Muawanah ◽

Imronudin Imronudin

Keyword(s):

Commercial Banks ◽

Stock Exchange ◽

Secondary Data ◽

Sampling Technique ◽

Financial Statements ◽

Capital Adequacy ◽

Coefficient Of Determination ◽

Independent Variables ◽

Capital Adequacy Ratio

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on Profitability (Case Study on Islamic Commercial Banks in Indonesia). This research used secondary data in the form of Islamic Commercial Bank financial statements. The population in this study is Islamic Commercial Banks listed on the Indonesia Stock Exchange in 2016-2018. The sampling technique employed was purposive sampling. A sample of 3 banks was obtained. Multiple linear regression was used. Classical assumption analysis was done prior to data analysis. Hypothesis testing used t-test, F test, and the coefficient of determination (R2). The results of this study indicated that CAR has a positive and significant effect on profitability, NPF has a negative and significant effect on profitability and FDR has a negative and no significant effect on profitability. Meanwhile, the independent variables together have an effect on profitability. The result of the coefficient of determination test shows that 61.1% of the profitability of Islamic Commercial Banks in Indonesia is explained by the variables of CAR, NPF, and FDR, while the remaining 38.4% is explained by other variables outside the model.

Download Full-text

Profitability of Islamic Rural Banks in West Sumatra: Analysis of the Third Party Funds and Financial Ratios

EKONOMIKA SYARIAH Journal of Economic Studies ◽

10.30983/es.v5i2.4829 ◽

2022 ◽

Vol 5 (2) ◽

Author(s):

Husni Shabri ◽

Anisa Azhari

Keyword(s):

Path Analysis ◽

Direct Effect ◽

Secondary Data ◽

Financial Statements ◽

Capital Adequacy ◽

Third Party ◽

Islamic Banking ◽

Capital Adequacy Ratio ◽

West Sumatra ◽

Intervening Variables

<div class="WordSection1">This research examines the problem of profitability in Islamic Rural Bank (BPRS) in West Sumatra Province. The purpose of this study was to analyze Third Party Funds (DPK), Capital Adequacy Ratio (CAR) and Non Performing Financing (NPF) as determinants that affect Return on Asset (ROA) at BPRS in West Sumatra Province through the intervening variable Financing to Deposit Ratio (FDR) for the 2015-2020 period. The research method uses descriptive quantitative approach with statistical path analysis through Sobel test. This study uses secondary data obtained from the financial statements of the BPRS. The results showed that DPK, CAR and FDR had no direct effect on the ROA of BPRS in West Sumatra Province for the 2015-2020 period, only NPF had a direct effect on ROA. While indirectly through intervening variables, DPK and NPF have no effect on ROA, only CAR can be mediated by FDR on ROA. This research contributes to enriching knowledge about Islamic banking and can be used as consideration for entities in increasing the profitability of Islamic Rural Bank by looking at the factors that can affect profitability with FDR as the mediating variable. Penelitian mengkaji tentang masalah profitabilitas pada BPRS di Provinsi Sumatera Barat. Tujuan penelitian ini adalah untuk menganalisis DPK CAR dan NPF sebagai determinan yang mempengaruhi ROA pada BPRS di Provinsi Sumatera Barat melalui intervening variable FDR periode 2015-2020. Metode penelitian menggunakan kuantitatif deskriptif dengan pendekatan statistik path analysis melalui uji sobel. Penelitian ini menggunakan data sekunder yang diperoleh dari laporan keuangan BPRS. Hasil penelitian menunjukan bahwa DPK, CAR dan FDR secara langsung tidak memiliki pengaruh terhadap ROA BPRS di Provinsi Sumatera Barat periode 2015-2020, hanya NPF yang berpengaruh langsung terhadap ROA. Sedangkan secara tidak langsung melalui variable intervening, DPK dan NPF tidak memiliki pengaruh terhadap ROA, hanya CAR yang mampu dimediasi oleh FDR terhadap ROA. Hasil penelitian ini berkontribusi menambah khazanah ilmu pengetahun tentang perbankan syariah dan dapat digunakan sebagai bahan pertimbangan bagi entitas dalam meningkatkan profitabilitas Bank Pembiayaan Rakyat Syariah dengan memperhatikan fator-faktor yang dapat mempengaruhi profitabilitas dengan FDR sebagai variabel mediasi nya. </div>

Download Full-text