Pengaruh Kecukupan Modal, Risiko Kredit t/erhadap Profitabilitas dengan Efisiensi sebagai Variabel Intervening

2022 ◽  
Vol 4 (3) ◽  
pp. 943-961
Author(s):  
Anugrah Sepnu Utama ◽  
Risal Rinofah ◽  
Pristin Prima Sari
Keyword(s):  
Financial Services ◽  
Sampling Method ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Analytical Technique ◽  
Insignificant Effect ◽  
Capital Adequacy Ratio ◽  
Published Report ◽  
Regression Test

This study aims to determine whether there is an effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) on Profitability (ROA) with Efficiency (BOPO) as an Intervening Variable, in conventional commercial banks in Indonesia listed on the Indonesia Stock Exchange period (2016). -2020). Sampling using the purposive sampling method with the criteria that the bank has a complete published report in 2016-2020, and the bank has a non-negative ROA. This study uses data obtained from the bank's Annual Financial Statements issued by the bank in the Financial Services Authority (OJK) Bank Published Financial Statements. The analytical technique used is a statistical test through the Ttest, Ftest, R2, Multiple Regression Test, and Sobel Test using the Sobel Test Calculator for the Significance of Mediation. The results of the analysis on the t test show that CAR has a negative and insignificant effect on ROA, NPL has a negative and insignificant effect on ROA, BOPO has a negative and significant effect on ROA. CAR has a negative and significant effect on BOPO, NPL has no significant effect on BOPO. And the results of the Sobel test showed that BOPO was able to mediate the CAR variable on ROA but was unable to mediate the effect of NPL on ROA. Keywords: CAR; NPL; ROA; BOPO

scholarly journals PENGARUH CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, DAN LOAN TO DEPOISIT RATIO TERHADAP PERUBAHAN LABA ( Studi Kasus Bank Konvensional Yang Terdaftar di BEI Periode 2009-2012)

2016 ◽  
Vol 3 (1) ◽  
Author(s):  
Dita Nur Raifah ◽  
Teguh Erawati
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Sampling Method ◽  
Stock Exchange ◽  
Statistical Tests ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Test Results ◽  
Operating Income ◽  
Capital Adequacy Ratio

This study discusses the changes in earnings and financial ratios based on financial statements of listed companies in Indonesia Stock Exchange during the period 2009-2012. The purpose of this study was to determine whether the Capital Adequacy Ratio (CAR) , Non- Performing Loans (NPL) , Operating Expenses Operating Income (BOPO) , and the Loan to Deposit Ratio (LDR) has an influence on incomen changes. The type of data in this study is secondary . Sampling in this study using purposive sampling method . Companies that used a sample of 24 banking companies listed in Indonesia Stock Exchange during 2009-2012. This research is quantitative , and statistical tests use the test multiple linear regression. By using regression analysis , it can be seen that the Capital Adequacy Ratio (CA ) , Non Performing Loans (NPL) , Operating Expenses Operating Income (BOPO) , and the Loan to Deposit Ratio (LDR) has a significant effect on earnings changes . Partial test results , the Capital Adequacy Ratio (CAR) has a positive and significant effect on earnings changes . Non Performing Loan (NPL) had no effect on earnings changes . Operating Expenses Operating Income does not affect the income changes . Loan to Deposit Ratio (LDR) has a positive and significant effect on earnings changes. Keywords : Capital Adequacy Ratio (CAR) , Non-Performing Loans (NPL) , Operating Expenses Operating Income (BOPO) , and the loan to deposit ratio (LDR) , and Income Changes .

scholarly journals Pengaruh Manajemen Risiko Kredit terhadap Profitabilitas Bank Perkreditan Rakyat di Kepulauan Riau

2020 ◽  
Vol 4 (2) ◽  
pp. 90
Author(s):  
Serly Serly ◽  
Edy Kurniawan
Keyword(s):  
Financial Services ◽  
Sampling Method ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Credit Risk Management ◽  
Return On Assets ◽  
Rural Credit ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study is aimed to identify the effect of credit risk management on the profitability of Rural Credit Banks in Riau Islands. Measurement of profitability in this dependent variable is in a form of return on assets and there are independent variables in this study in the form of capital adequacy ratio, non-performing loans, bank size, liquidity, inefficiency, and inflation. 38 banking companies are sampled in this study, all registered in the Financial Services Authority within the 2014-2018 period. Purposing sampling method is used to determine the acquired samples. Data collection is done by researching, analyzing, and studying the financial statements of the banking and then processed with the help of the Eviews software. The results showed the capital adequacy ratio, bank size, and inefficiency has a significant negative effect on return on assets. While the liquidity variable has a significant positive effect on return on assets and non-performing loan variables, while inflation do not have a significant relationship with return on assets.

PENGARUH CAR, LDR DAN ROA TERHADAP LABA PERUSAHAAN PERBANKAN TERDAFTAR DI BURSA EFEK INDONESIA

2018 ◽  
Vol 23 (1) ◽  
pp. 72-85
Author(s):  
Lasminisih ◽  
Emmy Indrayani
Keyword(s):  
Decision Making ◽  
Multiple Regression ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Financial Statement ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
A Company ◽  
Future Plans

Company financial statement can be used to monitor the performance of a company. Financial statements are also used as a means for decision making so that the company can anticipate future plans. The purpose of this study was to find out the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Return on Assets (ROA) on profit changes percentage of Banking Companies. The number of sample companies used in this study was 27 Banks listed in the Indonesia Stock Exchange with observation periods from 2007 to 2008. The method used in this study was multiple regression. The results of this study have indicated that CAR, LDR, and ROA gave significant effects on changes in Banks profit so that Banking Companies performances can be measured. Keywords: CAR, LDR, ROA, Profit

scholarly journals Peranan Intellectual Capital Pada Intermediary Function Terhadap Return On Equity Perusahaan Perbankan

2019 ◽  
Vol 11 (1) ◽  
pp. 59-72
Author(s):  
Anita Permatasari
Keyword(s):  
Intellectual Capital ◽  
Sampling Method ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Test Results ◽  
Return On Equity ◽  
Operating Income ◽  
Capital Adequacy Ratio

This study aims to examine the role of Intellectual Capital in banking companies listed on the Indonesia Stock Exchange. The research data used are secondary data in the form of financial data and financial ratios of banks listed on the  Indonesia Stock Exchange from 2010 to 2016 using the purposive sampling method. Based on sampling criteria, 23 banks were selected and divided into two categories: banks with low Intellectual Capital and banks with high Intellectual Capital. The results showed that there were three findings, namely the first test results on banks with low Intellectual Capital and high Intellectual Capital showed that Non Performing Loans (NPL), Operational Costs Per Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR) does not affect Return on Equity (ROE). Second, the results of testing on banks with low Intellectual Capital and high Intellectual Capital indicate that Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR) have no effect on Return on Equity (ROE). Third, the results of testing on banks with high Intellectual Capital indicate that Operational Cost Per Operational Income (BOPO) has an effect on Return on Equity (ROE).

scholarly journals Analisis Faktor Determinan Return on Asset pada Bank BUMN yang Terdaftar di Bursa Efek Indonesia

2019 ◽  
Vol 8 (2) ◽  
pp. 107-122
Author(s):  
Muhammad Shareza Hafiz ◽  
Radiman Radiman ◽  
Maya Sari ◽  
Jufrizen Jufrizen
Keyword(s):  
Data Analysis ◽  
Stock Exchange ◽  
Financial Statements ◽  
Research Data ◽  
Capital Adequacy ◽  
Research Approach ◽  
Return On Assets ◽  
Analysis Techniques ◽  
Capital Adequacy Ratio ◽  
Exchange Data

This study aims to analyze the effect of Non-Performing Loans (NPLs), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR), simultaneously on Return on Assets (ROA) on BUMN Banks listed on the Indonesia Stock Exchange either partially and simultaneously. The research approach used in this study uses an associative approach. This research was conducted at the Indonesia Stock Exchange (IDX) specifically Bank BUMN listed on the Indonesia Stock Exchange (IDX). The population used in this study was state-owned Bank companies listed on the Indonesia Stock Exchange (IDX) which amounted to 4 companies. Based on the sample withdrawal criteria above, a research sample of 4 BUMN bank companies was obtained. The type of data used is documentary data, which are research data in the form of financial statements owned by state-owned banks listed on the Indonesia Stock Exchange. Data analysis techniques are used to test the effect of Non-Performing Loans (NPLs), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) to Return on Assets (ROA) either partially or simultaneously is multiple linear regression. The results showed that partially Non Performing Loans (NPL) and Capital Adequacy Ratio (CAR) had a negative and not significant effect on Return on Assets. Partially, Loan to Deposit Ratio (LDR) has a negative and significant effect on Return on Assets. And simultaneously, Non Performing Loans, Capital Adequacy Ratio and Loan to Deposit Ratio have a significant effect on Return on Assets (ROA) at State-Owned Banks listed on the Indonesia Stock Exchange.  

scholarly journals Pengaruh CAR, NPL, LDR dan BOPO Terhadap Return ON Assets (ROA) pada Bank yang Terdaftar di Bursa Efek Indonesia Tahun 2017-2019

2021 ◽  
Vol 3 (2) ◽  
pp. 316-328
Author(s):  
Panji Maulana ◽  
Sany Dwita ◽  
Nayang Helmayunita
Keyword(s):  
Panel Data ◽  
Commercial Banks ◽  
Sampling Method ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Sample Type ◽  
Return On Assets ◽  
Collection Method ◽  
Capital Adequacy Ratio

This research aims to determine the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Peforming Loan (NPL), dan Operational Effeciency Ratio (OER) of commercial banks listed on the Indonesia Stock Exchange 2017-2019. Population in this research while sample was defined bu purposive sampling method and 28 Banks as sample. Type of data that we used was secondary data (panel data) from www.idx.com and company's website. Data collection method used documentation method and multiple regression analysist method. The result are Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) have no effect on 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 Effect of Capital Adequacy Ratio, Nonperporming Loan, Third Party Funds on Loan to Deposit Ratio in Private Commercial Banks in Indonesia Stock Exchange

2019 ◽  
Vol 13 (2) ◽  
pp. 153-164
Author(s):  
Nur Salma ◽  
Nur Salma
Keyword(s):  
Regression Analysis ◽  
Commercial Banks ◽  
Annual Report ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Third Party ◽  
Capital Adequacy Ratio ◽  
Private Banks ◽  
The Impact

The study aims to analyze the impact of capital adequacy ratio, non-performing loan,   third party fund on loan to deposit ratio of the private banks in Bandar Lampung. The sample used in this research were obtained from six private banks in Bandar Lampung.  Data obtained based on financial statements Annual Report of Indonesia stock Exchange (IDX) from 2009 to 2014.  The method used in this research is the dependent variable and independent, multiple regression analysis and Classical Assumption. Variable used Capital Adequacy Ratio (CAR), Nonperforming Loan (NPL), and Third-Party Fund (DPK) on Loan to Deposit Ratio (LDR). Based on the result of the research showed that the F variable CAR, NPL, and DPK together influential significantly to Loan to Deposit Ratio. The Result of partial T-test CAR negatively influential and significant with significant value is 0.007. NPL is not positively influential and not significant on LDR with significant value is 0,277 while DPK has positive influential and significant value is 0,005. The value of Adjusted R Square the value is 0.266 showed that LDR can explain by variables research as big as 26,6 %, while the rest can be explained by other factors.

scholarly journals Pengaruh Kinerja Keuangan dan Kebijakan Restrukturisasi Kredit pada Nilai Perusahaan Perbankan di Bursa Efek Indonesia

2021 ◽  
Vol 31 (6) ◽  
pp. 1494
Author(s):  
Putu Pryanka Chitta Surya ◽  
Made Gede Wirakusuma
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Firm Value ◽  
Sampling Method ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Financial Reports ◽  
Company Value ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

This study aims to obtain empirical evidence of the effect of Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and credit restructuring policies on the value of banking firms on the Indonesia Stock Exchange. The research was conducted by analyzing quarterly financial reports published on the Indonesia Stock Exchange website which contained information on banking financial performance ratios, credit restructuring policies, and company value using the PBV method. The Sampling method uses purposive sampling method. The data analysis technique uses multiple linear regression. The results showed that NPL had a negative and significant effect on firm value, LDR had a positive and significant effect on firm value. CAR has a positive and significant effect on firm value. The Credit Restructuring Policy has a negative and significant effect on firm value. Keywords: Non Performing Loans; Loan to Deposit Ratio; Capital Adequacy Ratio; Credit Restructuring Policy; Company Value.

PENGARUH TINGKAT KESEHATAN BANK TERHADAP HARGA SAHAM PERBANKAN UMUM KONVENSIONAL TERDAFTAR DI BEI 2014-2018

2020 ◽  
Vol 8 (2) ◽  
Author(s):  
Bella Salsabilla ◽  
Irni Yunita
Keyword(s):  
Stock Price ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Insignificant Effect ◽  
Good Corporate Governance ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Data Regression ◽  
The Impact

<em>This research purpose is to analyze the impact of bank soundness on stock price both simultaneously and partially. This research conducted on several indicators which represented by each ratio. There are Good Corporate Governance (GCG), risk profile represented by Non Performing Loan (NPL), capital represented by Capital Adequacy Ratio (CAR), and earning represented by Return on Asset (ROA). The population was conventional banking companies listed on Indonesia Stock Exchange during 2014-2018. Sampling method used in this research was purposive sampling and obtained 32 banking companies as a sample. This research using quantitative method. Analysis technique used in this reseach was panel data regression. The result shows that simultaneously NPL, ROA, CAR have insignificant effect on stock price. However, partially there was a significant effect between GCG and stock price. While the others variable have insignificant effect on stock price.</em>

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