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

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.

Pengaruh Rasio Keuangan terhadap Profitabilitas pada Perusahaan

2021 ◽  
Vol 1 (1) ◽  
pp. 21-29
Author(s):  
Amalia Amanda Hidayah ◽  
Eti Kurniati ◽  
Farid H. Badruzzaman
Keyword(s):  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Analysis Techniques ◽  
Operational Costs ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect ◽  
Interest Margin

Abstract. This study used a sample of 6 companies. The research objective was to determine the effect of Non Performing Loans (NPL), Operational Costs on Operational Income (OCOI), Net Interest Margin (NIM), Loan to Deposits Ratio ( LDR) and Capital Adequacy Ratio (CAR) to profitability (ROA). Problem solving using multiple linear regression analysis techniques. Based on the analysis, it is known that NPL and LDR have a significant negative effect on profitability (ROA), while CAR have a significant positive effect on profitability (ROA). Abstrak. Penelitian ini menggunakan sampel sebanyak 6 perusahaan. Tujuan penelitian untuk mengetahui pengaruh Non Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), Loan to Deposits Ratio (LDR) dan Capital Adequacy Ratio (CAR) terhadap profitabilitas (ROA). Pemecahan masalah menggunakan teknik analisis regresi linier berganda. Berdasarkan hasil analisis maka diketahui bahwa NPL dan LDR berpengaruh negatif signifikan terhadap profitabilitas (ROA), sedangkan CAR berpengaruh positif signifikan terhadap profitabilitas (ROA).

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 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 ROA DETERMINANTS AND IMPACTS ON CAR (STUDY IN THE FIVE LARGEST PRIVATE BANKS IN INDONESIA 2009-2018)

2020 ◽  
Vol 1 (4) ◽  
pp. 629-641
Author(s):  
M. Noor Salim ◽  
Lucya Oktavia Mundung
Keyword(s):  
Fixed Effect Model ◽  
Capital Adequacy ◽  
Research Model ◽  
Return On Assets ◽  
Financial Reports ◽  
Net Interest Margin ◽  
Effect Model ◽  
Capital Adequacy Ratio ◽  
Private Banks ◽  
Interest Margin

This study aims to analyze the effect of Loan to Deposit Ratio (LDR) and Net Interest Margin (NIM) on Return on Assets (ROA) and the influence of Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) and Return on Assets (ROA) to the Capital Adequacy Ratio (CAR) of the five largest private banks in Indonesia in the 2009 - 2018 period. The sample used in this study consisted of 5 conventional private banks listed on the IDX. This study uses panel data obtained from Bank Indonesia reports and annual financial reports that have been audited and published by sample banks on the IDX By using the Fixed Effect Model with the help of Eviews 10, the F test shows that the LDR and NIM variables together have a significant effect on ROA of 77.69% while the remaining 22.31% is influenced by other factors not included in the research model. LDR, NIM and ROA variables together have a significant effect on CAR of 42.85% while the remaining 57.15% are influenced by other factors not included in this study where previously classical assumption tests such as Stationary, Multicollinearity, Test Heteroscedasticity and Autocorrelation test. Based on the results of the t test it was found that the LDR and NIM partially had no significant effect on ROA. LDR has a significant effect on CAR. Meanwhile, NIM and ROA partially had no significant effect on CAR

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 The Relationship Between Net Interest Margin and Return on Asset: Empirical Study of Conventional Banking in Indonesia

2021 ◽  
Vol 10 (3) ◽  
pp. 362
Author(s):  
Elen Puspitasari ◽  
Bambang Sudiyatno ◽  
Nur Aini ◽  
Gladis Anindiansyah
Keyword(s):  
Stock Exchange ◽  
Operating Cost ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Income Ratio ◽  
Negative Effect ◽  
The Relationship ◽  
Interest Margin

Purpose of this study is to examine the relationship between net interest margin and return on assets by placing the net interest margin as the mediating variables. This study uses a sample of banks listed on the Indonesia Stock Exchange for the period 2015 to 2018. Data used is panel data, with data analysis using path analysis. Results showed that the capital adequacy ratio and non-performing loan do not have effect with NIM. We find a statistically significant negative effect between operating cost/operating income ratio and loan to deposit ratio for the NIM. NPL do not have effect with ROA, while CAR, BOPO, and LDR have a negative effect with ROA. However, NIM is positively related to ROA. The important things from this paper that from sobel test results shown that the NIM mediates the relationship between BOPO and LDR to ROA.   Received: 21 January 2021 / Accepted: 10 March 2021 / Published: 10 May 2021

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

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

KEUNIS ◽  
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>

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