scholarly journals Pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, dan Kurs terhadap Return On Asset

2020 ◽  
Vol 2 (3) ◽  
pp. 187-194
Author(s):  
Annisa Indria Irnawati ◽  
Bambang Waluyo ◽  
Taufikul Ichsan
Keyword(s):  
Exchange Rate ◽  
Exchange Rates ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

Purpose- This study aims to examine the effect of Capital Adequacy Ratio, Financing to Deposit Ratio, and exchange rates on Return On Assets in Islamic Banks for the period 2009 - 2017. Methods- The analysis technique used is multiple linear regression with the assistance of the Program Eviews. Finding- The results showed that CAR has a positive but not significant effect, while FDR has a significant positive effect, and the exchange rate has a significant negative effect on Return On Assets. AbstrakTujuan- Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, dan kurs terhadap Return On Asset pada Bank Syariah periode 2009 – 2017. Metode- Teknik analisis yang digunakan adalah regresi linier berganda berbantuan programEviews. Temuan- Hasil penelitian menunjukkan bahwa CAR berpengaruh positif namun tidak signifikan, sementara FDR berpengaruh positif signifikan, dan kurs berpengaruh negatif signifikan terhadap Return On Asset

scholarly journals Pengaruh NPL, LDR, dan CAR padaROA Perusahaan Perbankan yang Terdaftar di BEI Tahun 2014-2016

2018 ◽  
pp. 2096
Author(s):  
Putu Intan Trisna Dewi ◽  
I Ketut Suryanawa
Keyword(s):  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

Banking plays an important role in influencing economic activity. Banking is required to gain profit so as to compete in order to maintain its survival. The profit is used to pay for all types of operational costs. This research was conducted in Banking Companies Listed in Indonesia Stock Exchange Period Year 2014 - 2016. The number of samples is 20 banks, with the method of purposive sampling technique. Data collection is done by observation or observation. The analysis technique used is multiple linear regression analysis. Based on the result of research, it is known that non performing loan has negative effect on return on asset, loan to deposit ratio has positive effect on return on asset, and capital adequacy ratio has negative effect on return on asset. Keywords: Non Performing Loan, Loan to Deposit Ratio, Capital Adequacy Ratio, Return On Assets.  

scholarly journals Anteseden Return on Asset (ROA) pada Bank BUMN Indonesia

2019 ◽  
Vol 2 (1) ◽  
pp. 68-78
Author(s):  
Andi Tenriola
Keyword(s):  
Cost Efficiency ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Dominant Effect ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study aims to examine and analyze the effect of Capital Adequacy Ratio (CAR),Operating Expenses and Cost Efficiency (BOPO) and Loan to Deposit Ratio (LDR) to Return onassets (ROA). Return on assets (ROA) or profitability is one indicator that can be used to measurebank performance. The population used in this study is state-owned banks registered with BankIndonesia during the 2014-2018 period. In this study the sampling technique used total samplingtechniques using quarterly financial statements owned (1) PT. BNI (Persero), Tbk (2) Bank BRI(Persero), Tbk, (3) PT Bank Mandiri (Persero), Tbk; and (4) PT Bank BTN (Persero) so that with thesample, the number of samples in this study were (4 Quarter x 5 Years of Observation x 4 BUMNBanks = 80 panel data units). The results of multiple regression analysis provide evidence that CARhas a significant positive effect on ROA. Operational efficiency and cost efficiency (BOPO) has asignificant negative effect on return on assets (ROA). LDR has a significant negative effect on ROA.For the biggest contribution proven in CAR, that CAR has a dominant effect on ROA.

scholarly journals INFLUENCE OF THIRD-PARTY FUNDS, CAR, NPF AND FDR TOWARDS THE RETURN ON ASSETS OF ISLAMIC BANKS IN INDONESIA

2017 ◽  
Vol 14 (02) ◽  
pp. 135
Author(s):  
Risma Ayu Kinanti ◽  
Purwohandoko Purwohandoko
Keyword(s):  
Linear Regression ◽  
T Test ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Return On Assets ◽  
Financial Report ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect

The purpose of this research is to analyze the influence of third party funds, capital adequacy ratio (CAR), non performing financing (NPF) ,financing to deposit ratio (FDR) Of return on assets (ROA) during period of 2008-2013 syariah banks in indonesia. About 3 syariah banks in indonesia was taken as sample for this research. The data used for this research were obtained from the data of Quarterly Published Financial Report Period 2008 up to 2013. The analysis technique used is Linear Regression that aims for estimating the relationships among variables. The results of F test showing that Third Party Funds, CAR, NPF and FDR simultaneously influential to ROA. While The result of t-test showing Third Party and NPF has significant positif effect to ROA, CAR and FDR has a negative effect on ROA syariah banks in Indonesia.Keywords: ROA, Third Party Funds, CAR , NPF, FDR

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN PADA BANK UMUM SYARIAH DI INDONESIA

2016 ◽  
Vol 2 (2) ◽  
pp. 131
Author(s):  
Vita Tristiningtyas ◽  
Osmad Mutaher
Keyword(s):  
Predictive Ability ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Research Model ◽  
Return On Assets ◽  
Normality Test ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Negative Effect

This study aimed to examine the effect of the Capital Adequacy Ratio (CAR) , Non Performing Financing (NPF) , Net Operating Margin (NOM) , Financing to Deposit Ratio (FDR) , BOPO and DPK against return on Assets ( ROA) as a proxy of the financial performance of Islamic Banks in Indonesia from 2008 to 2012 . The population in this study was 11 Islamic Banks in Indonesia . The analysis technique used in this study is a multiple linear regression . While the classical assumption used in this study include autocorrelation test , normality test, multikolonieritas , and heteroscedasticity test .The results showed that the variable CAR and DPK positive and significant impact on ROA Islamic Banks . While BOPO variable is negative and significant effect on ROA Islamic Banks . NPF variables , NOM , and FDR negative effect on ROA , but not significantly . Predictive ability of the six variables on ROA of 86.0 % , while the rest is influenced by other factors not included in the research model . The results of this study are expected to provide guidelines for the management of Islamic Banks in managing the company.

scholarly journals Pengaruh Pembiayaan Mudharabah dan Musyarakah Terhadap Return On Asset BPRS di Indonesia

2020 ◽  
Vol 25 (1) ◽  
pp. 132
Author(s):  
Faris Kurnia Hakim, Mauizhotul Hasanah
Keyword(s):  
Linear Regression ◽  
Ordinary Least Squares ◽  
Research Approach ◽  
Islamic Banks ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
The Public ◽  
Analysis Technique ◽  
Negative Effect ◽  
Positive Effect

As an intermediary institution, BPRS has facilities in the field of financing where Islamic banks channel funds obtained from the public in the form of deposits. This research was conducted to determine the effect of mudharabah and musyarakah financing simultaneously and partially on the Return On Assets of Islamic People's Financing Banks in Indonesia. The object of research is all Islamic People's Financing Banks in Indonesia from January 2016 to December 2018. The research approach used is a quantitative approach. The analysis technique used is multiple linear regression or OLS (Ordinary Least Squares). The results of this study are the financing using mudharabah and musyarakah contracts simultaneously does not have a significant positive effect on the Return on Assets of Islamic People's Financing Banks in Indonesia. Mudharabah financing partially does not have a significant positive effect on the Return on Assets of the Islamic People's Financing Bank in Indonesia. Musyarakah financing partially does not have a significant negative effect on the Return On Assets of the Islamic People's Financing Bank in Indonesia.

scholarly journals PENGARUH NPL, CAR DAN BOPO TERHADAP PROFITABILITAS PADA BPR DI KOTA DENPASAR

2018 ◽  
Vol 7 (11) ◽  
pp. 6212
Author(s):  
Ni Kadek Alit Pradina Putri ◽  
Luh Putu Wiagustini ◽  
Ni Nyoman Abundanti
Keyword(s):  
Financial Statements ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Operational Cost ◽  
Operating Income ◽  
Significant Negative Effect ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

BPR financial performance can be measured by the community through analysis of financial statements. An analysis of the financial statements of a bank is conducted to determine the level of profitability and soundness of the bank. The purpose of this research is to know the influence of Non Perfoming Loan, Capital Adequacy Ratio and Operational Cost of Operational Revenue to profitability at Rural Bank in Denpasar in period 2013-2016. The method used in this research is multiple regression analysis technique. This research uses saturated samples by taking samples of 18 existing BPR in Denpasar City. Based on the results of the analysis found that Non Perfoming Loan has a significant negative effect on profitability, Capital Adequacy Ratio has a significant positive effect on profitability, and operational cost of operating income has a significant negative effect on profitability. Keywords: npl, car, bopo, profitability

scholarly journals ANALISIS PENGARUH NON PERFORMING FINANCING (NPF), CAPITAL ADEQUACY RATIO (CAR), FINANCING TO DEPOSIT RATIO (FDR), DAN BOPO TERHADAP PROFITABILITAS (STUDI KASUS PADA PT. BANK VICTORIA SYARIAH PERIODE 2011-2016)

2017 ◽  
Vol 1 (2) ◽  
Author(s):  
Wahyu Dwi Yulihapsari ◽  
Dien Noviany Rahmatika ◽  
Jaka Waskito
Keyword(s):  
Total Sample ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Significance Level ◽  
Financial Report ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study was conducted to examine the effect of variable Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and ROA to profitability PT. Bank Victoria Syariah as measured by Return on Assets (ROA). Data used in the study was obtained from the Quarterly Financial Report 2011-2016 period issued by PT. Bank Victoria Syariah. The total sample of 21 with the technique of multiple regression analysis and hypothesis testing using t-test and F test with a significance level of 5%, which preceded the classical assumption. The results showed the dependent variable profitability (ROA) of 94.7% can be explained by variations in four independent variables (NPF, CAR, FDR and ROA) .In partial NPF and ROA significant negative effect on ROA, CAR significant positive effect on ROA, and FDR was not significant positive effect on ROA. Simultaneously NPF, CAR, FDR and BOPO effect on ROA. Keywords : Non Performing Financing (NPF) , Capital Adequacy Ratio (CAR) , Financing to Deposit Ratio (FDR) , ROA and Return on Assets (ROA)

scholarly journals Determinant of Mudharabah Financing: A Study at Indonesian Islamic Rural Banking

ETIKONOMI ◽  
2017 ◽  
Vol 16 (1) ◽  
pp. 43-52 ◽  
Author(s):  
Erika Amelia ◽  
Eva Fauziah Hardini
Keyword(s):  
Exchange Rate ◽  
Time Series Data ◽  
Revenue Sharing ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Series Data ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect ◽  
Linear Regressions

This study aims to determine the variables that affect the financing in the Islamic rural banking in Indonesia. The data used in this study is a monthly time series data that is from June 2009 until June 2015 in the monthly financial statements Islamic Banking Statistics published by Bank Indonesia. The analytical method used in this research is multiple linear regressions. The results of data analysis showed that the variables simultaneously deposit fund, capital adequacy ratio, inflation, exchange rate and the level of revenue sharing significantly influence the composition of financing. Partially deposit funds and the exchange rate significant positive effect, while capital adequacy ratio had a negative effect. Variable inflation and the level of revenue sharing do not significantly influence the composition of financing. This result implies that Islamic rural banking should increase the deposit funds to increase the mudaraba financing.DOI: 10.15408/etk.v16i1.4638 

scholarly journals PENGARUH KINERJA KEUANGAN TERHADAP RISIKO KEBANGKRUTAN BANK UMUM SYARIAH DI INDONESIA (METODE ALTMAN Z-SCORE MODIFIKASI PERIODE 2011-2017)

2018 ◽  
Vol 4 (2) ◽  
pp. 166
Author(s):  
Luluk Afiqoh ◽  
Nisful Laila
Keyword(s):  
Capital Adequacy ◽  
Z Score ◽  
Return On Assets ◽  
Analysis Techniques ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Data Regression ◽  
Negative Effect ◽  
Score Method ◽  
Positive Effect

This research aims to find out the influence of financial performance measured using the Capital Adequacy Ratio variable, Financing to Deposit Ratio, Leverage, Bank Size, Loan to Asset Ratio and Return on Assets to the risk of sharia bank bankruptcy in Indonesia calculated using the Altman Z-Score method Modification. This study uses a quantitative approach with panel data regression analysis techniques. The results of this study show partially the variable Capital Adequacy Ratio, Financing to Deposit Ratio, Bank Size has a significant positive effect, the variable Loan to Asset Ratio Leverage has a significant negative effect, and Return on Asset has a positive and insignificant effect. Nevertheles the variable Capital Adequacy Ratio, Financing to Deposit Ratio, Leverage, Bank Size, Loan to Asset Ratio and Return on Asset have a significant effect on the value of Altman Z-Score as a measure of the risk of bankruptcy in Islamic commercial banks in Indonesia.

scholarly journals Pengaruh Makro Ekonomi Terhadap Profitabiltas Bank Umum Syariah di Indonesia Tahun 2014-2018

2019 ◽  
Vol 2 (1) ◽  
pp. 72
Author(s):  
Wahyudin Priyono ◽  
Imanda Firmantyas Putri Pertiwi
Keyword(s):  
Exchange Rate ◽  
Financial Services ◽  
Secondary Data ◽  
Least Square ◽  
Islamic Banks ◽  
Significant Positive Effect ◽  
Ordinary Least Square ◽  
Negative Effect ◽  
Positive Effect ◽  
Variable Exchange

This study aims to analyze and identify the effects of inflation and rupiah exchange rates on profitability in Islamic banks in Indonesia with mudharabah deposit as the mediator. Using secondary data that are published by the central bank of Indonesia and financial services authority, the method used in this research is Ordinary Least Square. The result indicates the inflation variable, exchange rate, and mudharabah deposits simultaneously give a significant influence toward profitability (ROA) of the Sharia Commercial Bank in Indonesia. While partially, inflation and exchange rate have no significant effect on profitability (ROA). While mudharabah deposits have a significant positive effect on profitability (ROA). Inflation has a significant negative effect on mudharabah deposits and the exchange rate has a significant positive effect on mudharabah deposits. The path analysis result shows that the mudharabah deposit variable is unable to mediate the effect of inflation and te exchange rate to profitability (ROA)

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