Pengaruh CAR, ROA, NPM dan LDR terhadap Pertumbuhan Laba Bank

This research aims to estimates the effect of CAR, ROA, NPM and LDR to bank profit growth case study at PT. Bank Mandiri, Tbk in the period 2002.I-2009.IV. The data which is used are secondary data in the form of quarterly financial statements published by PT. Bank Mandiri, Tbk . This study uses ratio analysize and regression analysis. Variable of CAMEL are independent of the ratio Capital Adequacy Ratio(CAR), Return on Asset (ROA), Net Profit Margin (NPM) dan Loan to Deposit Ratio (LDR).While the variable dependent is profit growth. The results showed that only variable of NPM which has significant influence on the growth of banking profits.

Download Full-text

Analisis Rasio Tingkat Kesehatan Bank Menggunakan Metode CAMEL Pada PT Bank BCA Syariah Tbk Jakarta Timur Tahun 2013 - 2017

Jurnal Madani : Ilmu Pengetahuan, Teknologi dan Humaniora ◽

10.33753/madani.v3i2.83 ◽

2020 ◽

Vol 3 (2) ◽

pp. 212-227

Author(s):

Su Patmin

Keyword(s):

Balance Sheet ◽

Financial Statements ◽

Capital Adequacy ◽

Profit Margin ◽

Return On Assets ◽

Operating Income ◽

Capital Adequacy Ratio ◽

Net Profit ◽

Asset Quality ◽

Assets Management

The purpose of this study was to determine the development of bank health at PT Bank BCA Syariah Tbk and to measure the level of health of PT Bank BCA Syariah Tbk in 2013-2017 using the CAMEL ratio which includes aspects of capital, productive assets, management, profitability and liquidity. This research is quantitative descriptive. The population in this study includes all financial statements of PT Bank BCA Syariah for the period 2013 to 2017, while the sample in this study is the company's financial statements in the form of a balance sheet and income statement of PT. Bank BCA Syariah Tbk. period 2013 to 2017. Analysis of the data used in this study is to use the CAMEL method which consists of five aspects, namely capital aspects using CAR (Capital Adequacy Ratio), aspects of earning asset quality using the ratio of KAP (Earning Assets Quality) and PPAP (Allowance for Earning Assets), management aspects using the ratio of NPM (Net Profit Margin), profitability aspects using the ratio of ROA (Return On Assets) and BOPO (Operating Expenses to Operating Income), and the liquidity aspect using the NCM-CA (Net Call Money ratio) to Current Assets) and LDR (Loan to Deposit Ratio). Based on the results of research conducted at PT Bank BCA Syariah CAMEL in 2013 97.04 was healthy, in 2014 96.71 was healthy, in 2015 95.52 was healthy, in 2016 97.01 was healthy, in 2017 98.00 is healthy. Abstrak Tujuan penelitian ini untuk mengetahui perkembangan kesehatan bank pada PT Bank BCA Syariah Tbk dan untuk mengukur tingkat kesehatan PT Bank BCA Syariah Tbk pada tahun 2013-2017 dengan menggunakan rasio CAMEL yang meliputi aspek permodalan, aktiva produktif, manajemen, rentabilitas dan likuiditas. Penelitian ini bersifat deskriptif kuantitatif. Populasi dalam penelitian ini meliputi seluruh laporan keuangan PT Bank BCA Syariah periode tahun 2013 sampai dengan 2017, sedangkan sampel dalam penelitian ini adalah laporan keuangan perusahaan berupa neraca dan laporan laba rugi PT. Bank BCA Syariah Tbk. periode 2013 sampai dengan 2017. Analisis data yang digunakan dalam penelitian ini adalah dengan menggunakan metode CAMEL yang terdiri dari lima aspek, yaitu aspek permodalan menggunakan rasio CAR (Capital Adequacy Ratio), aspek kualitas aktiva produktif menggunakan rasio KAP (Kualitas Aktiva Produktif) dan PPAP (Penyisihan Penghapusan Aktiva Produktif), aspek manajemen menggunakan rasio NPM (Net Profit Margin), aspek rentabilitas menggunakan rasio ROA (Return On Assets) dan BOPO (Beban Operasional terhadap Pendapatan Operasional), dan aspek likuiditas menggunakan rasio NCM-CA (Net Call Money to Current Assets) dan LDR (Loan to Deposit Ratio). Berdasarkan hasil penelitan yang telah dilakukan pada PT Bank BCA Syariah CAMEL pada tahun 2013 97,04 adalah sehat, tahun 2014 96,71 adalah sehat, tahun 2015 95,52 adalah sehat, tahun 2016 97,01 adalah sehat, tahun 2017 98,00 adalah sehat. Kata Kunci : Rasio Tingkat Kesehatan Bank, CAMEL

Download Full-text

ANALYSIS OF THE EFFECT OF CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, AND FINANCING TO DEPOSIT RATIO ON PROFITABILITY: A CASE STUDY ON ISLAMIC COMMERCIAL BANKS IN INDONESIA

Journal of Management and Islamic Finance ◽

10.22515/jmif.v1i1.3566 ◽

2021 ◽

Vol 1 (1) ◽

pp. 32-47

Author(s):

Ema Muawanah ◽

Imronudin Imronudin

Keyword(s):

Commercial Banks ◽

Stock Exchange ◽

Secondary Data ◽

Sampling Technique ◽

Financial Statements ◽

Capital Adequacy ◽

Coefficient Of Determination ◽

Independent Variables ◽

Capital Adequacy Ratio

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on Profitability (Case Study on Islamic Commercial Banks in Indonesia). This research used secondary data in the form of Islamic Commercial Bank financial statements. The population in this study is Islamic Commercial Banks listed on the Indonesia Stock Exchange in 2016-2018. The sampling technique employed was purposive sampling. A sample of 3 banks was obtained. Multiple linear regression was used. Classical assumption analysis was done prior to data analysis. Hypothesis testing used t-test, F test, and the coefficient of determination (R2). The results of this study indicated that CAR has a positive and significant effect on profitability, NPF has a negative and significant effect on profitability and FDR has a negative and no significant effect on profitability. Meanwhile, the independent variables together have an effect on profitability. The result of the coefficient of determination test shows that 61.1% of the profitability of Islamic Commercial Banks in Indonesia is explained by the variables of CAR, NPF, and FDR, while the remaining 38.4% is explained by other variables outside the model.

Download Full-text

Faktor Internal yang Mempengaruhi Likuiditas Bank Syariah: Analisis Rasio Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Non Performing Financing (NPF)

JURNAL ILMIAH EKONOMI ISLAM ◽

10.29040/jiei.v7i2.2614 ◽

2021 ◽

Vol 7 (2) ◽

Author(s):

Iin Emy Prastiwi ◽

Muhammad Tho'in ◽

Oktaviani Alvita Kusumawati

Keyword(s):

Regression Analysis ◽

Quantitative Research ◽

Statistical Tests ◽

Secondary Data ◽

Financial Statements ◽

Capital Adequacy ◽

Simultaneous Test ◽

Capital Adequacy Ratio ◽

Report Data ◽

Data Analysis Methods

This research was conducted with the aim to do an empirical analysis of the Study Liquidity at PT Bank BNI Syariah 2011-2019 Period. This study discusses the ratio of CAR, DPK, and NPF to Liquidity both simultaneously and simultaneously at PT Bank BNI Syariah. This type of research in this thesis uses quantitative research with the data used are secondary data and quarterly report data for all the variables and financial ratios required in the BNI Syariah financial statements for 2011-2019. Data analysis methods used are descriptive statistical tests, classic assumptions test, and hypothesis testing conducted by multiple regression analysis. The results of the t-test (partial test) showed that CAR and DPK variables were not significant to Liquidity, while the NPF variable was influential and negative significant to Liquidity. The results of the F-test (simultaneous test) showed that CAR, DPK and NPF variables had a significant effect on liquidity. In terms of R-Square values the CAR, DPK and NPF variables have a proportion of Liquidity of 22,6%.

Download Full-text

ANALISIS TINGKAT PROFITABILITAS BANK DENGAN METODE RISK BASED BANK RATING

Jurnal Ekonomi dan Bisnis ◽

10.24123/jeb.v22i2.1648 ◽

2018 ◽

Vol 22 (2) ◽

pp. 69-82

Author(s):

Meliske Sitanaya

Keyword(s):

Regression Analysis ◽

Data Analysis ◽

Commercial Bank ◽

Significant Influence ◽

Secondary Data ◽

Capital Adequacy ◽

Panel Regression ◽

Independent Variables ◽

Net Interest Margin ◽

Capital Adequacy Ratio

This research aims to analyze whether the, Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM),) and Capital Adequacy Ratio (CAR) have significantinfluencesimultaneously and partially toward Return On Asset (ROA). This research classifiedthe verifiation research. The population is conventional commercial bank period 2006-2015. Sample was determined by the higher bank asset, a total of ten companies. The secondary data were taken such as from financialreport of Banks started from 2006 until 2015. The technique of data analysis in this research using panel regression analysis. ROA as a dependent variable, NPL, LDR, NIM and CAR as independent variables. Data processing using E-views 6. The result provides evidence that NPL and CAR have significantinfluencesimultaneously toward ROA, while NIM and LDR are not significantinfluencesimultaneously toward ROA. NPL partially have negative significantinfluencetoward ROA, LDR and NIM partially positive are not significantinfluencetoward ROA, and CAR partially have positive significant influence towd ROA.

Download Full-text

FAKTOR-FAKTOR YANG MEMPENGARUHI INCOME SMOOTHING PADA INDUSTRI BARANG KONSUMSI YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2014 – 2016

Jurnal Bina Akuntansi ◽

10.52859/jba.v6i1.40 ◽

2019 ◽

Vol 6 (1) ◽

pp. 1-16

Author(s):

Eviyanti Rosalie ◽

Michelle Michelle ◽

Henryanto Wijaya ◽

Susanto Salim

Keyword(s):

Firm Size ◽

Significant Influence ◽

Sampling Method ◽

Stock Exchange ◽

Secondary Data ◽

Financial Statements ◽

Income Smoothing ◽

Profit Margin ◽

Net Profit ◽

Equity Ratio

The purpose of this study is to empirically examine the influence of return on asset, debt to equity ratio, net profit margin and firm size towards income smoothing in consumer goods listed in Indonesia Stock Exchange from period 2014 – 2016. This study used 27 data from manufacture companies that have been selected using purposive sampling method with total 81 data for three years. The data used are secondary data in the form of financial statements. This research used Statistical Product and Service Solution (SPSS) version 19 software to process the data. The result of research shows that return on asset, net profit margin and firm size have no influence towards income smoothing. Debt to equity ratio has negative significant influence towards income smoothing.

Download Full-text

Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) terhadap Likuiditas Bank Umum Syariah (BUS) Periode 2015-2017

FALAH Jurnal Ekonomi Syariah ◽

10.22219/jes.v4i1.8495 ◽

2019 ◽

Vol 4 (1) ◽

pp. 33

Author(s):

Mayvina Surya Mahardhika Utami ◽

Muslikhati Muslikhati

Keyword(s):

Regression Analysis ◽

Commercial Bank ◽

Significant Influence ◽

Secondary Data ◽

Capital Adequacy ◽

Third Party ◽

The Third ◽

Analysis Technique ◽

Capital Adequacy Ratio ◽

Research Type

This research present to analyze the Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) to liquidity in Islamic Bank as a whole. The period used in this study is 2015 to 2017. This research type and uses an approach to not exist or not based on one or more variables. The variables in this research are Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF). While the dependent variable in this research is liquidity at Sharia Commercial Bank. The data used is secondary data from webside BI and OJK, while the data analysis technique is Multiple Regression Analysis. The results of this study indicate that the variable of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) simultaneously have a significant influence on the level of liquidity. While partially DPK and NPF have a significant influence, whereas CAR has no significant effect.

Download Full-text

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

AKUNTABILITAS ◽

10.29259/ja.v11i2.8933 ◽

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.

Download Full-text

Pengaruh Rasio Likuiditas, Rasio Profitabilitas dan Rasio Pasar terhadap Kebijakan Dividen pada Perusahaan Rokok

Journal of Economic Bussines and Accounting (COSTING) ◽

10.31539/costing.v1i1.68 ◽

2017 ◽

Vol 1 (1) ◽

pp. 1-11

Author(s):

Evelyn Wijaya

Keyword(s):

Linear Regression ◽

Dividend Policy ◽

Stock Exchange ◽

Secondary Data ◽

Financial Statements ◽

Profit Margin ◽

Current Ratio ◽

Financial Factors ◽

Earnings Per Share ◽

Net Profit

The research on financial factors and its effect to dividend policy of Company which is listed in Indonesia Stock Exchange have been carried out by several researchers, but the results showed inconsistent. This research aims to test the influence of liquidity ratio, profitability ratio, market ratio, and its effect on dividend policy of Cigarette Company. The liquidity ratio proxied by Current Ratio, profitability ratio proxied by Net Profit Margin, market ratio proxied by Earning Per Share, and dividend policy proxied by Dividend Per Share. The sample used are 3 companies, listed in IDX period of 2001-2014. Data used in this study is secondary data by using financial statements. The Data analyzed using multiple linear regression. The result showed that net profit margin has a significant effect on dividend per share whereas current ratio and earnings per share has no significant effect on dividend per share of cigarette company which listed in IDX period of 2004-2014. Keywords : Liquidity Ratio, Profitability Ratio, Market Ratio, Dividend Policy.

Download Full-text

PENGARUH KINERJA KEUANGAN TERHADAP HARGA SAHAM PERUSAHAAN PERBANKAN BUMN DI BURSA EFEK INDONESIA PERIODE TAHUN 2010-2017

Jurnal Ilmiah Ekonomi Bisnis ◽

10.35972/jieb.v5i2.268 ◽

2019 ◽

Vol 5 (2) ◽

Author(s):

Defry Wijaya Rimba ◽

Muthia Harnida

Keyword(s):

Financial Performance ◽

Stock Prices ◽

Stock Price ◽

Stock Exchange ◽

Capital Adequacy ◽

Profit Margin ◽

Return On Assets ◽

Capital Adequacy Ratio ◽

Net Profit ◽

Price Earnings Ratio

Abstract: The aim of this research is to examine the effect of financial performance on the stock prices of state-owned (BUMN) banking companies in the Indonesian Stock Exchange for the period 2010-2017.The financialperformance consists of Non Performing Loans, Return on Assets, Capital Adequacy Ratio, Price Earning Ratio, and Net Profit Margin. The analysis in this study used the multiple linier regression with 32 observations. Simultaneously all variables affect the stock price of Banking Companies of BUMN that listed on the Indonesian Stock Exchange for the period of 2010-2017. But partially, the variables which affect the stock price are only Return On Assets, Capital Adequacy Ratio, and Net Profit Margin. Whereas the variable of Non Performing Loans and Price Earning Ratio do not affect the stock price of Banking Companies of BUMN in the Indonesian Stock Exchange for the period of 2010 until 2017 Keywords: Performance, Non Performing Loans, Return On Assets, Capital Adequacy Ratio, Price Earning Ratio, Net Profit Margin, Stock Price Abstrak: Tujuan penelitian ini adalah untuk menguji pengaruh kinerja keuangan terhadap harga saham pada perusahaan perbankan BUMN yang terdaftar di Bursa Efek Indonesia untuk periode 2010-2017. Kinerja keuangan yang diuji meliputi Non performace Loans (NPL), Return on assets (ROA), CapitalAdequacy Ratio (CAR), Price Earnings Ratio(PER),dan Net Profit Margin (NPM). Hasil penelitian dengan menggunakan analisis regresi linier berganda,dengan sampel sebanyak 32 observasi menunjukkkan hasil bahwa secara simultan semua variabel yang terdiri dari Non performace Loans (NPL), Return on assets (ROA), CapitalAdequacy Ratio (CAR), Price Earnings Ratio(PER),dan Net Profit Margin (NPM) berpengaruh terhadap harga saham . Sedangkan secara parsial variabel yang berpengaruh terhadap harga saham adalah return on assets (ROA), CapitalAdequacy Ratio (CAR), dan Net Profit Margin (NPM), sementara Non Performing Loans (NPL) dan Price Earnings Ratio (PER) secara statistik tidak berpengaruh terhadap harga saham perusahan perbankan BUMN yang terdaftar di Bursa Efek Indonesia untuk periode pengamatan 2010-2017 Kata kunci : Kinerja, Non Performing Loans, Return On Assets, Capital Adequacy Ratio, Price Earning Ratio, Net Profit Margin, harga saham

Download Full-text

PENGARUH KINERJA PERBANKAN TERHADAP JUMLAH PENYALURAN KREDIT ATAU PEMBIAYAAN PADA BANK KONVENSIONAL DAN SYARIAH

Media Ekonomi ◽

10.25105/me.v24i2.3797 ◽

2016 ◽

Vol 24 (2) ◽

pp. 101

Author(s):

Yunita Hasanah ◽

Ida Busneti

Keyword(s):

Multiple Regression ◽

Secondary Data ◽

Positive Influence ◽

Capital Adequacy ◽

Third Party ◽

Annual Reports ◽

Capital Adequacy Ratio

The goal this research to analyze comparing of factors that influence credit distribution at PT. Bank DKI and finance at PT. Bank Syariah Mandiri. The variable that influence credit distribution is: Third Party Funds, NonPerforming Loan/NonPerforming Finance and Capital Adequacy Ratio.This research used secondary data quertaly during the period 2008-2015 at the case study PT. Bank DKI and PT. Bank Syariah Mandiri from Finance Annual Reports of each Bank. The Methodology used is multiple regression analyze. This research shows is Third Party Funds and Capital Adequacy Ratio significantly and positive influence for the credit distribution and financing. NonPerforming Loan/NonPerforming Finance has a negative and significant effect for credit distribution and financing.

Download Full-text