scholarly journals The Effect Of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), and Loan To Deposit Ratio (LDR) Against Return On Asset (ROA) In General Banks In Southeast Asia 2012-2018

2020 ◽  
Vol 1 (4) ◽  
pp. 149-158
Author(s):  
Deni Sunaryo
Keyword(s):  
Regression Analysis ◽  
Southeast Asia ◽  
Commercial Banks ◽  
Quantitative Data ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to determine the effect of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non Performing Loan (NPL), dan Loan to Deposit Ratio (LDR) in the Return On Asset (ROA) on the Commercial Banks in Southeast Asia in 2012-2018. The independent variabel used in this study is Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non Performing Loan (NPL), dan Loan to Deposit Ratio (LDR). The dependent variabel used is Return On Assets (ROA). The methode used in this study uses purposive sempling technique, using scondary and quantitative data. The results of the analysis show that the data used in this study have met the classical assumption test, multiple regression analysis and hypothesis testing using t test an f test and the test the coefficient of determination using SPSS version 23. Based on the results of the study it can be concluded that 1) Capital Adequacy Ratio (CAR) has a positive and significant effect on Return On Asset (ROA). 2) Net Interest Margin (NIM) has a positive and significant effect on Return On Asset (ROA). 3) Non Performing Loan (NPL) no has a positive and significant effect on Return On Asset (ROA). 4) Loan to Deposite Ratio (LDR) has a negative and significant effect on Return On Asset (ROA).

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 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 PENGARUH CAR, BOPO, NPL, NIM, DAN LDR TERHADAP ROA PADA PERUSAHAAN DI SEKTOR PERBANKAN YANG TERDAFTAR DI BEI PERIODE 2012-2016

2019 ◽  
Author(s):  
Redwal Fernando ◽  
Aminar Sutra Dewi
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Commercial Banks ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
The Relationship ◽  
Interest Margin

This study aims to examine the relationship between Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) for Return On Asstes (ROA). The number of samples used are 9 commercial banks listed on the Indonesia Stock Exchange period 2012-2016. The method used in this study using multiple regression analysis using Eviews 6. From the results of tests performed show that CAR statistically does not significantly influence tehadap ROA, BOPO significantly influence teh ROA, NPL has significant effect to ROA, different from NIM which has no significant effect on ROA, and LDR has significant effec on ROA.

scholarly journals Pengaruh CAR, BOPO, NPL, NIM, dan LDR terhadap ROA pada Perusahaan di Sektor Perbankan yang Terdaftar di BEI Periode 2012-2016

JURNAL PUNDI ◽  
2018 ◽  
Vol 1 (3) ◽  
Author(s):  
Aminar Sutra Dewi
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Commercial Banks ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
The Relationship ◽  
Interest Margin

This study aims to examine the relationship between Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) for Return On Asstes (ROA). The number of samples used are 9 commercial banks listed on the Indonesia Stock Exchange period 2012-2016. The method used in this study using multiple regression analysis using Eviews 6. From the results of tests performed show that CAR statistically does not significantly influence tehadap ROA, BOPO significantly influence teh ROA, NPL has significant effect to ROA, different from NIM which has no significant effect on ROA, and LDR has significant effect on ROA. Keywords: CAR, BOPO, NPL, NIM, LDR and ROA

scholarly journals DETERMINAN PROFITABILITAS PERBANKAN NASIONAL DI INDONESIA

2016 ◽  
Vol 1 (1) ◽  
pp. 77
Author(s):  
Nur Hayati ◽  
Musdholifah Musdholifah
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Commercial Banks ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

This research aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Operating Expenses to Operating Income (BOPO), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) on the profitability proxy with return on assets (ROA) at commercial banks listed on the Indonesia Stock Exchange from 2005 to 2010. The samples used are 14 commercial banks listed on the Indonesia Stock Exchange. The samples are taken using purposive sampling method with certain criteria. The method used in this study is to use multiple regression analysis to test the hypothesis that the t test and the f test. Before using a multiple regression analysis, performed the classic assumption test first. The results obtain in this study are simultaneously CAR, NPL, BOPO, LDR, and NIM effect on profitability by 44%. While partially CAR, BOPO, and NIM effect on profitability and LDR NPL does not affect profitability.

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 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.

Kinerja Rasio Keuangan Perbankan Islam Dan Konvensional: Studi Komparatif

Liquidity ◽  
2018 ◽  
Vol 2 (1) ◽  
pp. 13-20
Author(s):  
Amrizal Amrizal
Keyword(s):  
Annual Report ◽  
Capital Adequacy ◽  
Average Increase ◽  
Return On Assets ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The article focuses to analyze finance ratio consist of Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM) Capital Adequacy Ratio (CAR) except Earnings before Interest Tax (EBIT). The research is conducted to three conventional banking (BNI 46, Mandiri and BRI) and three syariah banking (Bank Muamalat Indonesia, Bank Mega Syaria and Bank Syariah Mandiri) for annual report periods 2007 to 2011. The result shows, the average increase EBIT to conventional banking groups during period 2007 to 2011 are 1.91% while the average EBIT to syariah banking groups are 1.53%. The average of ROA to conventional banking groups are 3.01% while the average ROA to syariah banking groups are 1.99%. The average of ROE to conventional banking groups is 24.19% while the average of ROE to syariah banking groups is 33.31%. The average of NIM to conventional banking groups during period 2007 to 2011 are 7.08% while the average of NIM to syariah banking groups during period 2007 to 2011 are 8.14%. The average of CAR to conventional banking groups is 15.63%, while the average of CAR to syariah banking groups during the period are 12.19%.

scholarly journals PENGARUH RASIO CAPITAL ADEQUACY, LOAN TO DEPOSIT, NET INTEREST MARGIN TERHADAP PERTUMBUHANLABA (STUDI KASUS PADA BANK UMUM KONVENSIONALYANG TERDAFTAR DI BURSA EFEK INDONESIA)

AKUNTABILITAS ◽  
2019 ◽  
Vol 11 (2) ◽  
pp. 115-126
Author(s):  
Bambang Suryadi ◽  
Lis Djuniar
Keyword(s):  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Test Results ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Research Population ◽  
Profit Growth ◽  
Interest Margin

This study is how Influence Ratio Capital Adequacy Ratio, Loan to Deposit Ratio, Net Interest Margin Against Profit Growth at Conventional Commercial Banks Listed on Indonesia Stock Exchange. the purpose of this study is to analyze the Influence of Capital Adequacy Ratio Ratio, Loan to Deposit Ratio, Net Interest Margin on Profit Growth at Conventional Commercial Banks Listed on Indonesia Stock Exchange. The type of research used is associative research. The research population is conventional commercial bank in Indonesia. The research variables are Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), and Profit Growth. The data used is secondary data. Data collection methods are quantitative. Partial test results show that NIM has a significant effect on Profit Growth, While CAR and LDR have no significant effect to Profit Growth.

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