Rasio Kesehatan dan Kinerja Bank Umum Berbasis Data Panel di Indonesia

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

Download Full-text

PENGARUH TINGKAT KESEHATAN BANK TERHADAP PERTUMBUHAN LABA

Jurnal Ilmu Manajemen (JIMMU) ◽

10.33474/jimmu.v5i1.6725 ◽

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

Download Full-text

Pengaruh CAR, ROA, FDR, dan BOPO terhadap Non Performing Financing pada Bank Muamalat Indonesia

Journal of Applied Islamic Economics and Finance ◽

10.35313/jaief.v1i3.2595 ◽

2021 ◽

Vol 1 (3) ◽

pp. 544-554

Author(s):

Dea Apriyani ◽

Ine Mayasari ◽

Mochamad Edman Syarief

Keyword(s):

Quantitative Research ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Return On Assets ◽

Corporate Financing ◽

Processing Application ◽

Operating Income ◽

Capital Adequacy Ratio ◽

Net Profit

Muamalat Bank have decline in financial performance. Muamalat Bank lacks capital because it provides too much corporate financing which has an impact on increasing non-performing financing. Besides that, the net profit of Muamalat Bank in 2019 decreasec significantly, namely by 92% and its operating costs rached Rp490 billion. This research was conducted to know the effect of the variable Capital Adequacy Ratio (CAR), Return On Assets (ROA), Financing to Deposit Ratio (FDR), and Operating Expenses per Operating Income (BOPO) on Non-Performing Financing (NPF) at Bank Muamalat. Indonesia. The sample used is the quarterly report published on the official website of Bank Muamalat. The research method used is quantitative research with multiple linear regression analysis and is supported by the Eviews software version 10 as a data processing application. The results of this study indicate that CAR and ROA have a negative and significant effect on the NPF of Bank Muamalat. Meanwhile, FDR and BOPO have a positive and significant effect on NPF.

Download Full-text

Capital Adequacy Ratio, Loan To Deposit Ratio, Non Performing Loan, Operational Cost Ratio, Net Interest Margin dan Return On Assets Perusahaan Perbankan

Jurnal Riset Akuntansi & Perpajakan (JRAP) ◽

10.35838/jrap.2014.001.01.7 ◽

2014 ◽

Vol 1 (01) ◽

Author(s):

Darmansyah Darmansyah

Keyword(s):

Financial Performance ◽

Banking Industry ◽

Jel Classification ◽

Capital Adequacy ◽

Cost Ratio ◽

Operational Cost ◽

Return On Assets ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Interest Margin

A B S T R A C T According to Surat Edaran No. 3/30/DPNP dated December 14, 2001, the ratio of return on assets can be measured by the ratio of profit before tax to total assets. The greater the return on assets would indicate the higher profitability. This means that the bank’s financial performance is getting better. This study aims to examine the effect of capital adequacy ratio, loan to deposit ratio, non-performing loan, operational cost ratio and net interest margin of the return on assets. The results showed no effect of non-performing loans, operational cost ratio and net interest margin on profitability. Capital adequacy ratio, loan to deposit ratio proved no significant effect on profitability. This study contributes about factors that affect the profitability of the banking industry. A B S T R A K Menurut Surat Edaran BI No. 3/30/DPNP tanggal 14 Desember 2001, rasio return on asset dapat diukur dengan perbandingan antara laba sebelum pajak terhadap total aset. Semakin besar return on asset akan menunjukkan profitabilitas yang tinggi. Hal ini berarti kinerja keuangan bank semakin baik. Penelitian ini bertujuan menguji pengaruh capital adequacy ratio, loan to deposit ratio, non performing loan, operational cost ratio dan net interest margin terhadap return on assets. Hasil penelitian menunjukkan ada pengaruh non performing loan, operational cost ratio dan net interest margin terhadap profitabilitas. Capital adequacy ratio, loan to deposit ratio terbukti berpengaruh tidak signifikan terhadap profitabilitas. Penelitian ini memberikan kontribusi tentang faktor-faktor yang mempengaruhi prifitabilitas pada industri perbankan. JEL Classification: G14, M21

Download Full-text

Capital Adequacy Ratio, Loan To Deposit Ratio, Non Performing Loan, Operational Cost Ratio, Net Interest Margin dan Return On Assets Perusahaan Perbankan

Jurnal Riset Akuntansi & Perpajakan (JRAP) ◽

10.35838/jrap.v1i01.62 ◽

2014 ◽

Vol 1 (01) ◽

Author(s):

Darmansyah Darmansyah

Keyword(s):

Financial Performance ◽

Banking Industry ◽

Jel Classification ◽

Capital Adequacy ◽

Cost Ratio ◽

Operational Cost ◽

Return On Assets ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Interest Margin

A B S T R A C T According to Surat Edaran No. 3/30/DPNP dated December 14, 2001, the ratio of return on assets can be measured by the ratio of profit before tax to total assets. The greater the return on assets would indicate the higher profitability. This means that the bank’s financial performance is getting better. This study aims to examine the effect of capital adequacy ratio, loan to deposit ratio, non-performing loan, operational cost ratio and net interest margin of the return on assets. The results showed no effect of non-performing loans, operational cost ratio and net interest margin on profitability. Capital adequacy ratio, loan to deposit ratio proved no significant effect on profitability. This study contributes about factors that affect the profitability of the banking industry. A B S T R A K Menurut Surat Edaran BI No. 3/30/DPNP tanggal 14 Desember 2001, rasio return on asset dapat diukur dengan perbandingan antara laba sebelum pajak terhadap total aset. Semakin besar return on asset akan menunjukkan profitabilitas yang tinggi. Hal ini berarti kinerja keuangan bank semakin baik. Penelitian ini bertujuan menguji pengaruh capital adequacy ratio, loan to deposit ratio, non performing loan, operational cost ratio dan net interest margin terhadap return on assets. Hasil penelitian menunjukkan ada pengaruh non performing loan, operational cost ratio dan net interest margin terhadap profitabilitas. Capital adequacy ratio, loan to deposit ratio terbukti berpengaruh tidak signifikan terhadap profitabilitas. Penelitian ini memberikan kontribusi tentang faktor-faktor yang mempengaruhi prifitabilitas pada industri perbankan. JEL Classification: G14, M21

Download Full-text

Analisis Faktor – Faktor yang mempengaruhi Profitabilitas Bank Umum di Indonesia

Jurnal Akuntansi dan Manajemen ◽

10.36406/jam.v16i01.270 ◽

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

Download Full-text

What Influences Capital Adequacy Ratio in Islamic Commercial Banks? Evidence from Indonesia

Journal of Accounting Research, Organization and Economics ◽

10.24815/jaroe.v2i1.12868 ◽

2019 ◽

Vol 2 (1) ◽

pp. 1-10

Author(s):

Mursal Mursal ◽

Darwanis Darwanis ◽

Ridwan Ibrahim

Keyword(s):

Commercial Banks ◽

Financial Statements ◽

Capital Adequacy ◽

Return On Assets ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Negative Effect ◽

Positive Effect ◽

Observation Period ◽

Interest Margin

AbstractObjective – This study aims to examine whether Return on Assets (ROA), Financing to Deposit Ratio (FDR), Size, Net Interest Margin (NIM), and Deposit (DEP) have any influence on Capital Adequacy Ratio (CAR) of Islamic Commercial Banks in Indonesia for the period of 2015-2017. Design/methodology – The population in this study is all Islamic Commercial Banks operating in Indonesia for the period 2015-2017. The data was collected from financial statements of the Islamic Commercial Banks for the period of three years totalling of 36 observations. Multiple Linear Regression was used to analyse the data. Results – The results showed that Return on Assets (ROA) has a negative effect on Capital Adequacy Ratio (CAR). Meanwhile financing to Deposit Ratio (FDR) has a negative effect on Capital Adequacy Ratio (CAR) and size has a negative effect on Capital Adequacy Ratio (CAR). Furthermore, net Interest Margin (NIM) has a positive effect on Capital Adequacy Ratio (CAR) and lastly Deposit (DEP) has a negative effect on Capital Adequacy Ratio (CAR). Research limitations/implications – This study has limitations due to the short observation period of only 3 years from 2015 to 2017. Future studies are recommended to enhance this current study by embarking a longer period of study or by performing a comparative analysis between Islamic banks in different countries.

Download Full-text

Pengaruh Capital Adequacy Ratio, Non Performing Loan dan Return On Asset Terhadap Penyaluran Kredit

Journal of Economic Bussines and Accounting (COSTING) ◽

10.31539/costing.v4i2.1581 ◽

2021 ◽

Vol 4 (2) ◽

pp. 565-574

Author(s):

Dewanti Safitri ◽

Asep Muslihat

Keyword(s):

Hypothesis Testing ◽

Sampling Technique ◽

Financial Statements ◽

Capital Adequacy ◽

Return On Assets ◽

Verification Method ◽

Nonperforming Loans ◽

Capital Adequacy Ratio ◽

Negative Effect ◽

Positive Effect

This study aims to determine whether there is an influence of capital adequacy ratio, non-performing loans, return on assets, lending. The effect of capital adequacy ratio financing on lending, the effect of non-performing loans on lending and the effect of return on assets on lending, and capital adequacy ratios, non-performing loans and return on assets on lending. 44 samples were taken from 2016 to 2019 with data on monthly capital adequacy ratios, non-performing loans, return on assets, and lending. The statistical methods taken in this research are multiple analysis, classic assumption test, descriptive statistical analysis, determination analysis and hypothesis testing using SPSS 25 analytical tools.In this research, we know the effect of capital adequacy ratio, non-performing loans, and return on assets in partial or joint lending. This method is a descriptive verification method with a quantitative approach to the source of annual financial statements at commercial banks. Purposive sampling technique. The data obtained were analyzed by testing the validity of the data, multiple linear regresis analysis and hypothesis testing using the f test and t test.The results of this study show that the partial capital adequacy ratio has a negative effect on lending, non-performing loans on lending have a positive effect and the return on assets on lending has a positive effect. Whereas jointly the credit distribution is very influential. Keywords: Capital Adequacy Ratio, Nonperforming Loans, Return On Assets, Lending

Download Full-text

ANALISA PENGARUH RASIO KEUANGAN TERHADAP PROFITABILITAS PADA PERUSAHAAN PERBANKAN PERIODE 2016 – 2018

KEUNIS ◽

10.32497/keunis.v9i1.2317 ◽

2021 ◽

Vol 9 (1) ◽

pp. 85

Author(s):

Devi Nurhasanah ◽

Maryono Maryono

Keyword(s):

Linear Regression ◽

Sampling Method ◽

Capital Adequacy ◽

Analysis Tool ◽

Return On Assets ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Negative Effect ◽

Profitability Ratios ◽

Positive Effect

<em>The purpose of this study is to examine and analyze the effect of financial ratios analyzed in this study are asset adequacy ratios, non-performing loans, and profitability ratios using the Capital Adequacy Ratio (CAR), Non Performing Loan variables (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Return On Assets (ROA) in banking companies listed on the IDX for the 2016 - 2018 period. This study's population were all banking companies listed on the IDX for the 2016– 2018 period. The sampling method used was purposive sampling with a sample size of 40 banking companies. This analysis tool has used multiple linear regression. The results of these study are NIM has a positive effect on ROA, NPL has a negative effect on ROA, while CAR and LDR have no effect on ROA in banking companies listed on the IDX for the 2016 - 2018 period.</em>

Download Full-text

Kinerja Rasio Keuangan Perbankan Islam Dan Konvensional: Studi Komparatif

Liquidity ◽

10.32546/lq.v2i1.125 ◽

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%.

Download Full-text