Risiko Kredit, Likuiditas Dan Kecukupan Modal Terhadap Profitabilitas Berdampak Pada Return Saham

2017 ◽  
Vol 9 (2) ◽  
pp. 103-118
Author(s):  
Sesilya Kempa
Keyword(s):  
Credit Risk ◽  
Stock Returns ◽  
Liquidity Risk ◽  
Capital Adequacy ◽  
Bank Stock Returns ◽  
Negative Effect ◽  
Bank Stock ◽  
Relationship Of ◽  
The Relationship ◽  
Positive Effect

There are the problem of credit risk, liquidty risk and capital adequacy affecting the level of the bank performance. The study is aimed to find empirical evidence of the relationship of credit risk, liquidity risk and capital adequacy toward profitability and its impact to bank stock returns. This study uses causality approach with path analysis techniques to obtain results. The results showed that credit risk (NPL) has negative effect toward the profitability (ROA and ROE). While liquidity risk (LDR) has positive effect on ROA and capital adequacy (CAR) affects neghatively toward ROE. Furthermore, ROA negatively affects stock returns and ROE has positive effect on stock return.

scholarly journals Determinan Profitabilitas Bank Umum Syariah Di Indonesia Dengan Tingkat Likuiditas Sebagai Variabel Intervening

2021 ◽  
Vol 2 (2) ◽  
pp. 131-149
Author(s):  
Sasabila Tisat Anisa ◽  
Saiful Anwar
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Financing Risk ◽  
Negative Effect ◽  
Relationship Of ◽  
The Relationship ◽  
Positive Effect

This research aims to analyze the effect of capital adequacy ratio (CAR), financing risk (NPF), and operational efficiency (BOPO) on profitability (ROA) with liquidity level (FDR) as an intervening variable in Islamic commercial banks (ICB) in Indonesia in 2015 to 2019. The data used is secondary data in panel data, taken from the annual reports published by each ICB official website. Data analysis used multiple linear regression and path analysis. The results of this study found that CAR has a negative effect on ROA, NPF has a negative effect on ROA, BOPO has a negative effect on ROA, FDR has a positive effect on ROA, CAR has a negative effect on FDR, NPF has a negative effect on FDR, BOPO has a positive effect on FDR liquidity. At the same time, FDR cannot be an intervening variable in the relationship of CAR, NPF, BOPO to ROA. This research provides insight for ICB in maintaining the value of NPF and BOPO to increase the company's net profit.

scholarly journals ANALISIS PENGARUH RISIKO KREDIT TERHADAP IMBAL HASIL SAHAM PERBANKAN DI BURSA EFEK JAKARTA PERIODE TAHUN 2001-2005

2011 ◽  
Vol 4 (1) ◽  
pp. 78-94
Author(s):  
Siane Handayani Rahardjo ◽  
Ingrid Maya Sophy2 ◽  
Tedy Fardiansyah
Keyword(s):  
Credit Risk ◽  
Stock Returns ◽  
Stock Prices ◽  
Stock Price ◽  
Sampling Method ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Capital Adequacy Ratio ◽  
Bank Stock Returns ◽  
Bank Stock

Banks have an important role in the economy and serves as a financial intermediary. Credit risk, as one of indicator of the health of the bank, is an interest of all stakeholders including investors stock. This study was conducted to determine the effect of credit risk on bank stock returns listed on the Jakarta Stock Exchange. The sampling method performed on 8 banks for a sample of meeting the requirements of the study. Credit risk data consisting of CAR (Capital Adequacy Ratio), NPL (Non Performing Loans) and PPAP (Removal of Assets Allowance) financial ratios derived from the quarterly during January 2001-December 2005. The stock prices are taken from the weekly closing stock price data weekly during January 2001-December 2005. Tests using multiple regressions were conducted to determine the effect of credit risk on stock returns. The results show that jointly or individually no significant effect on credit risk with stock returns.

scholarly journals PERAN KECUKUPAN MODAL (CAR) MEMEDIASI PENGARUH RESIKO KREDIT TERHADAP PROFITABILITAS

2021 ◽  
Vol 4 (1) ◽  
pp. 12-32
Author(s):  
I Dewa Nyoman Usadha
Keyword(s):  
Credit Risk ◽  
Direct Effect ◽  
Financial Institution ◽  
Capital Adequacy ◽  
Research Needs ◽  
Negative Results ◽  
Research Gap ◽  
Relationship Of ◽  
The Relationship ◽  
Positive Effect

The purpose of this study was to analyze the effect of credit risk on profitability. The relationship of the effect of credit risk on profitability (ROA) in a number of studies that have been developed found the effect of credit risk on profitability with negative results and there is also a significant positive effect. This research gap in current research needs to be mediated by new viables, so that credit risk does not affect the decline in the level of profitability. The mediating variable is Capital Adequacy (CAR).The results of the analysis of the Effect of Credit Risk on Profitability with Capital Adequacy as a Mediation Variable show that CAR is able to mediate the direct effect of NPL on ROA. Where the direct effect of NPL on ROA was originally valued at -0.562, but after the presence of CAR as a mediating variable, the effect of this relationship increased to 0.163. The more bad credit in a financial institution, the more it will cause losses. To cover this loss, the financial institution returns it from the capital it owns so that it will reduce the CAR value of the cooperative

Tongues, a Sign for Unbelievers?: A Structural and Exegetical Study of I Corinthians XIV. 20–25

1979 ◽  
Vol 25 (2) ◽  
pp. 180-203 ◽  
Author(s):  
B. C. Johanson
Keyword(s):  
The Other ◽  
Logical Relation ◽  
Other Hand ◽  
Positive Sense ◽  
Negative Effect ◽  
Relationship Of ◽  
The Relationship ◽  
Negative Sense ◽  
Positive Effect

I Corinthians xiv. 20–25 has long posed severalcruces interpretationisfor commentators. The basic problems concern the relationship of the assertions made about tongues and prophecy in υ. 22 to the quotation of Isa. xxviii. 11–12 in υ. 21 and to the illustrations concerning tongues and prophecy in υυ. 23–5. As to the quotation, J. Ruef remarks that most commentators admit to the difficulty of seeing how it substantiates Paul's conclusion that tongues are meant as a sign for the unbeliever. Concerning the illustrations, both J. Héring and J. P. M. Sweet note that in the light of the assertions we would expect them to be the reverse of what they are. While tongues are asserted to be meant as a sign for unbelievers and prophecy for believers, the illustrations depict the negative effect of tongues upon unbelievers and the positive effect of prophecy not on believers but upon unbelievers. The second assertion (υ. 22b) in particular contradicts the second illustration (υυ. 24–5) in that it clearly states that ‘prophecy is meant as a signnot for unbelieversbut for believers’. This is so if σημεĩον is taken in a positive sense. If, on the other hand, it is taken in a negative sense, the logical relation of this second illustration to the second assertion becomes ambiguous.

scholarly journals The Effects Of Ownership Structure And Listed Status On Bank Risk In China

2013 ◽  
Vol 29 (3) ◽  
pp. 695 ◽  
Author(s):  
Maoyong Cheng ◽  
Hong Zhao ◽  
Junrui Zhang
Keyword(s):  
Regression Analysis ◽  
Credit Risk ◽  
Ownership Structure ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Bank Risk ◽  
Capital Adequacy Ratio ◽  
Asset Quality ◽  
Relationship Of ◽  
The Relationship

This paper investigates the relationship of ownership structure, listed status and risk by using regression analysis based on the relevant data of Chinas commercial banks. Three main results emerge. First, compared to the state-owned banks, foreign-owned commercial banks exhibit better asset quality, lower credit risk and higher capital adequacy ratio; city commercial banks have lower credit risk and joint-stock commercial banks have lower credit risk and capital adequacy ratio. Second, listed status improves the asset quality and capital adequacy ratio. Finally, we also find that the listed status significantly moderates the relationship between ownership structure and risk. In conclusion, this study provides a theoretical reference for the reform of Chinas commercial banks.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI RETURN SAHAM BANK UMUM KONVENSIONAL LQ-45 DI BURSA EFEK INDONESIA

2021 ◽  
Vol 17 (2) ◽  
pp. 201-226
Author(s):  
Dean Sanuya Hafizan Koorniaharta ◽  
Almatius Setya Marsudi
Keyword(s):  
Stock Returns ◽  
Banking Sector ◽  
Capital Adequacy ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Bank Stock Returns ◽  
Bank Stock ◽  
Corporate Funding ◽  
Interest Margin

Bank companies manage corpoRate funding, one of which is by investing. Investments are carried out in the hope of obtaining stock Returns. This study examines the effect of Net Interest Margin, Capital Adequacy Ratio, Operating Income, Operational Expenses, and Bank Indonesia Reference Interest Rate on stock Returns in Indonesian banking companies. The sampling technique used was Purposive Sampling method, the sample obtained was 5 companies in the banking sector registered in LQ-45. Linear regression test is used to see the behavior of each variable. Data obtained as many as 200 out of 5 banking sector companies listed on LQ45 on the Indonesia Stock Exchange. The scope of research time is in the quarterly period of 2010 to 2019. The results show that the BI Reference Rate, Capital Adequacy Ratio and Operating Expenses, Operational Income, have no significant effect on bank stock Returns. On the other hand, Net Interest Margin has a significant effect on bank stock Returns.

scholarly journals Credit Risk Oracle: The Bifocal Approach

2019 ◽  
Vol 1 (1) ◽  
pp. 29-42
Author(s):  
Areeba Khan ◽  
Zulaiha A. Zubair ◽  
Erum Fayyaz ◽  
Iffat Hussain
Keyword(s):  
Credit Risk ◽  
Industrial Sector ◽  
Capital Adequacy ◽  
Economic Variables ◽  
Return On Equity ◽  
Moderation Effect ◽  
Domestic Credit ◽  
Investment Capital ◽  
Relationship Of ◽  
The Relationship

This study aims to examine the macroeconomic and bank specific predictors of Credit Risk (NPL) and their relevant degree of impact on banks in Pakistan. For bank variables a sample of big 10 banks has been taken from 2009 to 2018. For macro-economic variables sample of 2009 to 2018 has been taken from the world bank. As financial institutions play their role to support industries and alleviate poverty in a country, this study checks the effect of banking variables as well as the economic variables on the credit risk of banks by taking industrial sector growth as a moderator. The study found that NPLs are negatively associated with Lending interest rate, Bank investment, Capital adequacy ratio, Domestic credit to private sector, Financial depth and GDP growth while positively associated with Lending capability, Return on equity, Interest spread and Liquidity Ratio. The moderation effect of Industrial sector growth on the relationship of Lending Capability and NPLs is found to be strengthening the relationship.

Body Height and Occupational Success for Actors and Actresses

2010 ◽  
Vol 107 (1) ◽  
pp. 25-38 ◽  
Author(s):  
Stefan Stieger ◽  
Christoph Burger
Keyword(s):  
Body Height ◽  
Annual Income ◽  
Online Database ◽  
Short Term ◽  
Occupational Success ◽  
Negative Effect ◽  
Relationship Of ◽  
The Relationship ◽  
Positive Effect

The association of body height with occupational success has been frequently studied, with previous research mainly finding a positive effect among men and positive or null effects among women. Occupational success has almost exclusively been measured so far by short-term success variables (e.g., annual income). In the present study, the relationship of success and height was examined in a group of actors and actresses using a large online database about movies (Internet Movie Database) where heights of actors and actresses are stated. The number of roles played in movies and television series during each actor's lifetime was used as a measure of long-term occupational success. No height effect was found for male actors but a significant negative effect was found for actresses, even after controlling for possible confounding influences (age and birth year). Compared to the general population, actors and actresses were significantly taller; however, actresses who were shorter than average were more likely to achieve greater occupational success, in terms of being featured in more movies.

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