scholarly journals The Effect of Non-Performing Loans (NPL) and Capital Adequacy Ratio (CAR) on Profitability (ROA) at PT. Bank Central Asia (BCA), TBK

2020 ◽  
Vol 1 (3) ◽  
pp. 121-126
Author(s):  
Rita Anggriani ◽  
Puji Muniarty Muniarty
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Central Asia ◽  
Sampling Method ◽  
Total Sample ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

The purpose of this research is to find out and analyze whether there is an influence between Non Performing Loans and Capital Adequacy Ratio both partially and simultaneously on the Profitability (ROA) of PT. Bank Central Asia, Tbk. The approach taken in this research is associative and quantitative. The population of this study was all subjects at PT. Bank Central Asia (BCA), Tbk for 44 years, namely 1974-2018 with a total sample of 9 years, namely 2010-2018. The sampling method is a purposive sampling method. While the data analysis technique uses classical assumptions, multiple linear regression, hypothesis testing (t-test and F test) and the coefficient of determination. The results of this study prove that Non-performing Loans do not affect the Return On Assets. However, Capital Adequacy Ratio has a significant effect on Return On Asset. While simultaneously this study proves that Non-Performing Loans and Capital Adequacy Ratio affect the Return On Assets at PT. Bank Central Asia, Tbk.

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.

scholarly journals The Effect Of Capital Adequacy Ratio On Return On Assets With Problem Credit Ratio Moderation

2020 ◽  
Vol 1 (3) ◽  
pp. 145-151
Author(s):  
Deni Sunaryo
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Foreign Exchange ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Simple Linear Regression ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Private Banks

The study aims to determine the effect of Capital Adequacy Ratio on Return On Asset with the moderatiom of Non Performing Loan sub sector of national foreign exchange private banks listed on the indonesian stock exchange (IDX) in 2014-2018 with a population of 22 banks. The analysis technique used are simple Linear Regression and Moderated Regression Analysis (MRA). The result showed that the  Capital Adequacy Ratio has a positive and significant effect on Return On Asset. While the Capital Adequacy Ratio of Non Performing Loan is not able to moderate the Capital Adequacy Ratio with Return On Asset.

scholarly journals FAKTOR PENENTU PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA (Pasca Peralihan Tugas Pengawasan Perbankan dari BI ke OJK)

2018 ◽  
Vol 1 (1) ◽  
pp. 53
Author(s):  
Fitra Rizal
Keyword(s):  
Linear Regression ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Banking Supervision ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

Abstract: This research was conducted to determine the determinants of profitability on Sharia Commercial Bank after the transfer of banking supervision duties from Bank Indonesia to the Otoritas Jasa Keuangan. The data used in this research are secondary data obtained from Islamic Banking Statistics published by the Otoritas Jasa Keuangan and Bank Indonesia.The analysis technique used is multiple linear regression using the classic assumption test first.The results of the analysis show that the regression equation used has passed the classic assumption test. This research proves that partially, only the Operational Expenses to Operational Revenue variables that affect Return on Assets of Islamic Commercial Banks in Indonesia for the 2015-2018 Period,while the variable Capital Adequacy Ratio and Inflation did not affect Return on Assets of Sharia Commercial Banks in Indonesia for the 2015-2018 period. And simultaneously the three variables have an effect on Return on Assets of Islamic Commercial Banks in Indonesia for the 2015-2018 Period. الملخص: تم إجراء هذا البحث لتحديد محددات ربحية البنك الاسلامي التجاري بعد انتقال مهام الإشراف المصرفي من بنك إندونسيا إلى هيئة الخدمات المالية البيانات المستخدمة في هذه الدراسة هي بيانات ثانوية تم الحصول عليها من إحصاءات المصرفية الإسلامية التي نشرتها هيئة الخدمات المالية وبنك أندونيسيا. الطريقة التحليلية المستخدمة هي الانحدار الخطي المتعدد باستخدام اختبار الافتراض الكلاسيكي أولاً. توضح نتائج التحليل أن معادلة الانحدار المستخدمة اجتازت اختبار الافتراض الكلاسيكي. تثبت هذه الدراسة أن جزئية،المصروفات التشغيلية لمتغير الإيرادات التشغيلية التي تؤثر على العائد على موجودات البنوك التجارية الإسلامية في إندونيسيا للفترة 2015-2018 ، أن متغير نسبة كفاية رأس المال والتضخم لا يؤثر على العائد على الأصول البنوك الإسلامية في إندونيسيا فترة 2015-2018.في وقت واحد, المتغيرات الثلاثة العائد على الأصول تأثير المصارف الإسلامية في إندونيسيا فترة 2015-2018Abtrak: Penelitian ini dilakukan untuk mengetahui faktor penentu profitabilitas Bank Umum Syariah pasca peralihan tugas pengawasan perbankan dari Bank Indonesia ke Otoritas Jasa Keuangan. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari Statistik Perbankan Syariah yang dipublikasikan oleh Otoritas Jasa Keuangan dan Bank Indonesia. Teknik analisis yang digunakan adalah regresi linier berganda dengan menggunakan uji asumsi klasik terlebih dahulu. Hasil analisis menunjukkan bahwa persamaan regresi yang digunakan telah lolos uji asumsi klasik. Penelitian ini membuktikan bahwa secara parsial, hanya variabel Operational Expenses to Operational Revenue yang berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018, sementara variabel Capital Adequacy Ratio dan Inflasi tidak berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018. Dan secara simultan ketiga variabel tersebut Berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018.

scholarly journals Pengaruh Return On Assets(ROA) Dan return On Equity(ROE) terhadap Kinerja Kesehatan Capital Adequacy Ratio(CAR) Pada Bank BTPN

Owner ◽  
2022 ◽  
Vol 6 (1) ◽  
pp. 620-631
Author(s):  
Harun Al Rasyid Al Rasyid ◽  
Suryanto Sosrowidigdo
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Return On Equity ◽  
Test Hypothesis ◽  
Capital Adequacy Ratio ◽  
Positive Effect

Banking is currently being demanded to be able to increase its profitability because profitability is the net end result of various management policies and decisions. This ratio describes the level of effectiveness in managing banking assets if the profit generated by the bank is high it will also have an impact on own capital which can improve the health of the bank related to the Capital Adequacy Ratio (CAR). The research method used is multiple linear regression analysis method. The type of research used is quantitative research. Source of data is secondary data. The data collection technique is a documentation technique. Data processing using SPSS 16. Data analysis used included descriptive test, classical assumption test, multiple linear regression test, hypothesis test, and coefficient of determination test. Hypothesis testing using t test shows that: 1) Return on Assets (ROA) has a positive and significant effect on the Capital Adequacy Ratio (CAR); 2) Return On Equity (ROE) does not have a positive effect on the Capital Adequacy Ratio (CAR); and 3) the F test is known that simultaneously Return On Assets (ROA), Return On Equity (ROE) have a significant positive effect on the Capital Adequacy Ratio (CAR). Then the coefficient of determination (R2) is 0.172 or 17.2%. This means that the contribution of Return On Assets (ROA), Return On Equity (ROE) to Bank BTPN's Capital Adequacy Ratio (CAR) is 84.1%, while the remaining 15.9% is explained by other variables.

Analisis Pengaruh Kecukupan Modal, Efisiensi Operasional Dan Likuiditas Terhadap Profitabilitas Bank BUMN Di Bursa Efek Indonesia Periode 2009-2013

2017 ◽  
Vol 24 (1) ◽  
pp. 11-24
Author(s):  
Ayik Muh Al Hasny ◽  
Christin Berlinhan Oey
Keyword(s):  
Data Analysis ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Analysis Method ◽  
Efficiency Ratio ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Strong Relation

This study aims to examine the effect of the variables of Capital Adequacy Ratio (CAR), operational efficiency (ratio of operating expenses to operating income / BOPO) and liquidity (loan to deposit ratio / LDR) to profitability (return on assets / ROA)of state-owned bank in the Indonesia Stock Exchange in the period of 2009 -2013. There are four (4) samples in this research, which are: PT Bank Mandiri Tbk., PT Bank Rakyat Indonesia Tbk., PT Bank Negara Indonesia Tbk, and PT Bank BTN Tbk. Data analysis method used is multiple linear regression, after going through the classical assumption test to make sure there are no violations on multicolinearity, autocorrelation and heteroscedasticity. Based on the analysis, it is concluded that the variables CAR, BOPO and LDR, partially or simultaneously, significantly influences ROA of the state-owned bank in BEI. Of the three variables, it is proven that BOPO is the most dominant aspect that influences ROA. The coefficient of determination (R2) is of 0.795, means that the three variables have contributed to changes in the value of ROA of 79.5% and the contribution of other variables that are not observed in this study is 20.5%. While the value stimulant correlation coefficient (R) is 0.891 indicates that these three variables have a strong relation to the ROA of state-owned bank in BEI 2009-2013.

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 FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA

2020 ◽  
Vol 5 (1) ◽  
pp. 50
Author(s):  
Yolandafitri Zulvia
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Total Sample ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operation Efficiency ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

<p><em>This study aims to analyze the factors that influence the financial performance of Islamic commercial banks in Indonesia. In this study financial performance is measured using Return On Assets (ROA). The independent variables in this study are </em><em>Consumer Funds (DPK), Non-Performing Financing(NPF), Capital Adequacy Ratio (CAR), </em><em>Operation Efficiency  (BOPO), Financial Deposit Ratio (FDR). The population in this study is all Islamic commercial banks in Indonesia for the period 2011-2018. The total sample in this study amounted to 7 Islamic commercial banks. The data analysis technique used in this research is multiple linear regression analysis. The results showed the variable </em><em>Consumer Funds (DPK) and </em><em>Operation Efficiency (BOPO) had a positive and not significant effect. Variable Non-Performing Financing (NPF) and Financial Deposit Ratio (FDR) have a negative and significant effect while CAR variable has a negative and not significant effect.</em></p><p><em><br /></em></p><p><em>Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi kinerja keuangan Bank Umum Syariah di Indonesia. Dalam penelitian ini kinerja keuangan diukur menggunakan Return On Asset (ROA). Variabel independen dalam penelitian ini adalah Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Rasio Kecukupan Modal (CAR), Efisiensi Operasi (BOPO), Rasio Deposito Keuangan (FDR). Populasi dalam penelitian ini adalah semua bank umum syariah di Indonesia untuk periode 2011-2018. Total sampel dalam penelitian ini berjumlah 7 bank umum syariah. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis regresi linier berganda. Hasil penelitian menunjukkan variabel Dana Pihak Ketiga (DPK) dan Efisiensi Operasi (BOPO) memiliki pengaruh positif dan tidak signifikan. Variabel Non Performing Financing (NPF) dan Financial Deposit Ratio (FDR) memiliki pengaruh negatif dan signifikan sedangkan variabel CAR memiliki pengaruh negatif dan tidak signifikan.</em></p>

scholarly journals Determinan Financing to Deposit Ratio Bank Umum Syariah di Indonesia Periode 2012-2015

2017 ◽  
Vol 4 (11) ◽  
pp. 860
Author(s):  
Didit Prakoso ◽  
Achsania Hendratmi
Keyword(s):  
T Test ◽  
Capital Adequacy ◽  
Quantitative Approach ◽  
Coefficient Of Determination ◽  
Islamic Banks ◽  
Return On Assets ◽  
F Test ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Approach Method

The research aimed to know the influence of Capital Adequacy Ratio (CAR), Return on Assets (ROA) and Size of the Financing to Deposit Ratio (FDR) Islamic Banks in Indonesia by using 11 Islamic Banks registered at Bank Indonesia the period 2012 to 2015 as samples. The research used a quantitative approach method. The analysis technique used multiple linearregression analysis and the equation is Y = 0,330 + 1,294(CAR) – 5,931(ROA) + 0,028 (Size). Based on the result of t-test (partial), CAR, ROA and Size significantly affects of FDR with the results of each 6,727, -2,831, 2,564. While the results of f-test (simultant) showed that CAR, ROA and Size significant effect on of FDR with a significance value 0.000. the coefficient of determination shows the value of R-Square (R2) of 54.0%. while the remains of 46% wasexplained by other variables outside the model.

scholarly journals Pengaruh Kecukupan Modal, Penyaluran Kredit dan Efisiensi Operasional pada Risiko Kredit

2019 ◽  
Vol 28 (3) ◽  
pp. 2050
Author(s):  
Ida Ayu Mas Indira Pramesti ◽  
I Gde Ary Wirajaya
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Credit Risk ◽  
Multiple Linear Regression ◽  
Sampling Method ◽  
Operational Efficiency ◽  
Positive Influence ◽  
Capital Adequacy ◽  
Purposive Sampling ◽  
Analysis Technique

Banks that have high levels of bad credit, risk bankruptcy. Knowing the factors that influence credit risk will deal with the risk of non-performing loans earlier. The factors studied to determine the effect on credit risk are capital adequacy, credit distribution, and operational efficiency. By using a purposive sampling method to determine the sample, a sample of 120 companies with a period of 3 years of observation, namely 2015 to 2017, obtained 1440 observation samples. Multiple linear regression is a data analysis technique used. The results obtained after conducting the analysis are capital adequacy, credit distribution, and operational efficiency have a positive influence on credit risk. Keywords : Capital Adequacy, credit distribution, operational efficiency, credit risk.

scholarly journals Analisis Laporan Keuangan Dalam Menilai Kesehatan Kinerja Keuangan Perusahaan Pada Pt. Bank Perkreditan Rakyat (BPR) Jateng Tahun 2013-2017

2018 ◽  
Vol 13 (1) ◽  
Author(s):  
Haninditya Nurullasari ◽  
Nanang Yusroni ◽  
Ernawati Budi Astuti
Keyword(s):  
Data Analysis ◽  
Descriptive Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Quantitative Descriptive Analysis ◽  
Operating Income ◽  
Central Java ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Quantitative Descriptive

Abstract This study aims to determine the level of soundness of the company's financial performance from PT. BPR in 2013-2017 using ratio analysis of capital, profitability and liquidity factors. The data analysis technique used is a quantitative descriptive analysis technique. Based on the results of data analysis and discussion shows that the financial health performance of PT. Central Java Rural Banks (BPR) in 2013-2017 viewed from the capital factor if calculated using the CAR ratio can be categorized as HEALTHY. When viewed from the profitability factor and calculated using the ROA ratio it is also categorized HEALTHY, but when seen the BOPO ratio of PT. Central Java Rural Bank in 2015-2017 is categorized as NOT HEALTHY because the resulting ratio is too high so it is inefficient. While the health level is seen from the liquidity factor of PT. Central Java Rural Bank is categorized as HEALTHY. Keywords: Soundness, Capital Adequacy Ratio (CAR), Return On Assets (ROA), Operating Expenses Against Operating Income (BOPO), Cash Ratio, Loan to Deposit Ratio (LDR) Abstrak Penelitian ini bertujuan untuk mengetahui tingkat kesehatan kinerja keuangan perusahaan dari PT. BPR Jateng Tahun 2013-2017 dengan menggunakan analisis rasio dari faktor permodalan, rentabilitas dan likuiditas. Teknik analisis data yang digunakan adalah teknik analisis deskriptif kuantitatif. Berdasarkan hasil analisis data dan pembahasan menunjukkan bahwa kesehatan kinerja keuangan PT. Bank Perkreditan Rakyat (BPR) Jateng pada tahun 2013-2017 dilihat dari faktor permodalan apabila dihitung dengan menggunakan rasio CAR dapat dikategorikan SEHAT. Jika dilihat dari faktor rentabilitas dan dihitung dengan menggunakan rasio ROA juga dikategorikan SEHAT, namun apabila dilihat rasio BOPO PT. Bank Perkreditan Rakyat Jateng tahun 2015-2017 dikategorikan TIDAK SEHAT karena rasio yang dihasilkan terlalu tinggi sehingga tidak efisien. Sedangkan tingkat kesehatan dilihat dari faktor likuiditas PT. Bank Perkreditan Rakyat Jateng dikategorikan SEHAT. Kata Kunci : Tingkat Kesehatan, Capital Adequacy Ratio (CAR), Return On Assets (ROA), Beban Operasional Terhadap Pendapatan Operasional (BOPO), Cash Ratio, Loan to Deposit Ratio (LDR)

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