scholarly journals The Determinants of Profitability of Non-Bank Financial Institutions in Bangladesh

2019 ◽  
Vol 11 (6) ◽  
pp. 25
Author(s):  
Md. Farhan Imtiaz ◽  
Khaled Mahmud ◽  
Md. Shahed Faisal
Keyword(s):  
Financial Institutions ◽  
Firm Size ◽  
Financial Institution ◽  
Negative Relationship ◽  
Capital Adequacy ◽  
Interest Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Income Ratio ◽  
Interest Margin

The non-bank financial institutions (NBFI) industry is considered to be an important source of financing in any economy. Stability of earnings is one of the pre-conditions for survival and growth of any industry in the long run. Keeping the importance of profitability in mind, this paper tries to find out the major financial factors affecting the profitability of the NBFI industry in Bangladesh and evaluate the aspects of the findings. The data was collected for 12 different NBFIs for a period of five years (2013-2017). Return on equity was defined as the dependent variable while firm size, capital adequacy ratio, loan ratio, non-performing loan ratio, deposit ratio, net interest margin, non-interest income margin and cost to income ratio were identified as explanatory or independent variables. Multiple regression analysis was conducted on the data to test the research hypotheses. The findings of the study show that capital adequacy ratio, deposit ratio, non-performing loan ratio and net interest margin were statistically significant at 5% level. Firm size, loan ratio, net interest margin and non-interest income margin show positive relationship with profitability whereas capital adequacy ratio, deposit ratio, non-performing loan ratio and cost to income ratio show negative relationship with profitability. Non-performing loan ratio and net interest margin were found to have a considerable impact on profitability of NBFIs. This is further supported by the fact that non-performing loans do not generate any income and net interest income is considered the main source of income for a financial institution. The study recommends that the NBFIs in Bangladesh give due attention to these factors to improve their financial performance.

scholarly journals DAMPAK FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PROFITABILITAS PERBANKAN (Studi pada Bank Konvensional di Indonesia Periode Januari 2012 - Januari 2019)

2019 ◽  
Vol 11 (03) ◽  
pp. 121-137
Author(s):  
Silvia Hendrayanti ◽  
Wachidah Fauziyanti ◽  
Eni Puji Estuti
Keyword(s):  
Firm Size ◽  
Capital Adequacy ◽  
Operating Costs ◽  
Return On Assets ◽  
Operating Income ◽  
The Public ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Conventional Banks ◽  
Interest Margin

The bank is one of the financial institutions which has the activity of collecting funds from the public in the form of deposits and channeling them to the public in the form of credit or other forms in order to improve the lives of many people. The purpose of the banking business is to make a profit. Banking profitability is one of the most important indicators in determining the success of a bank and can be used as a basis for banking policies and strategies in the coming period. The purpose of this study was to examine the effect of Operating Costs on Operating Income (BOPO), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Firm size, and inflation on Return on Assets (ROA). The population in this study is the Conventional Banks in Indonesia in the period January 2012-January 2019. The sample selection using the purposive sampling method with the criteria for the monthly financial statements of all conventional banks in Indonesia during the observation period January 2012-January 2019 has been published by Bank Indonesia. The number of samples used in this study were 85 samples. In this study the research methods used descriptive analysis, Classical Assumptions (Normality, nonautocorrelation, Multicollinearity, Heteroscedasticity), multiple regression model analysis, hypothesis testing (z-statistic test, F-statistic test, and coefficient of determination (R2) test). The results of this study found that Operating Costs to Operating Income (BOPO) had a negative and significant effect on Return On Assets (ROA), Capital Adequacy Ratio (CAR) and Net Interest Margin (NIM) had a negative and significant effect on Return on Assets (ROA) ), Loan to Deposit Ratio (LDR) has a positive but not significant effect on Return On Assets (ROA), Firm size and inflation have a negative and significant regression coefficient on Return On Assets (ROA).

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%.

Pengaruh Rasio Keuangan terhadap Profitabilitas pada Perusahaan

2021 ◽  
Vol 1 (1) ◽  
pp. 21-29
Author(s):  
Amalia Amanda Hidayah ◽  
Eti Kurniati ◽  
Farid H. Badruzzaman
Keyword(s):  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Analysis Techniques ◽  
Operational Costs ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect ◽  
Interest Margin

Abstract. This study used a sample of 6 companies. The research objective was to determine the effect of Non Performing Loans (NPL), Operational Costs on Operational Income (OCOI), Net Interest Margin (NIM), Loan to Deposits Ratio ( LDR) and Capital Adequacy Ratio (CAR) to profitability (ROA). Problem solving using multiple linear regression analysis techniques. Based on the analysis, it is known that NPL and LDR have a significant negative effect on profitability (ROA), while CAR have a significant positive effect on profitability (ROA). Abstrak. Penelitian ini menggunakan sampel sebanyak 6 perusahaan. Tujuan penelitian untuk mengetahui pengaruh Non Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), Loan to Deposits Ratio (LDR) dan Capital Adequacy Ratio (CAR) terhadap profitabilitas (ROA). Pemecahan masalah menggunakan teknik analisis regresi linier berganda. Berdasarkan hasil analisis maka diketahui bahwa NPL dan LDR berpengaruh negatif signifikan terhadap profitabilitas (ROA), sedangkan CAR berpengaruh positif signifikan terhadap profitabilitas (ROA).

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.

scholarly journals ANALISIS FAKTOR – FAKTOR YANG BERPENGARUH TERHADAP PROFITABILITAS PERBANKAN YANG GO PUBLIC DI BURSA EFEK INDONESIA PADA TAHUN 2012 - 2016

2019 ◽  
Vol 15 (1) ◽  
Author(s):  
Astohar Astohar
Keyword(s):  
Significant Influence ◽  
Banking Sector ◽  
Capital Adequacy ◽  
Main Function ◽  
Going Public ◽  
Operating Income ◽  
Operational Costs ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Banking plays a role in economic development, namely in spurring economic growth. The main function of the bank is as a financial intermediary from parties who have excess funds with those who lack funds. The existence of the banking sector has an important role, which in the life of the community mostly involves services from the banking sector. Banking profitability is a ratio to determine the financial performance of banks. Research from Ali and Laksono (2017) is still interesting to develop both the variables and the object of research. In this study, the variable capital adequacy ratio (CAR) added with consideration that there were still differences between researchers.This study took the object of banks going public on the Indonesia Stock Exchange. Banks that went public in 2016 were 43 banks. After checking as many as 26 banks that can be taken as samples through purposive random sampling technique. 17 banks that cannot be used as samples include going public in the year after 2012 and the absence of complete data. The analytical tool used is multiple regression equation test with the requirement to meet normal criteria and no classical assumption deviations occur.The results showed that the capital adequacy ratio (CAR), loan to deposit ratio (LDR), operational costs and operating income (BOPO) proved to have a negative and significant influence on banking profitability. Net interest margin (NIM) is proven to have a positive and significant influence on banking profitability. Non-performing loans (NPLs) are proven to have a negative and insignificant effect on banking profitability. Large variations in capital structure variables in banks that go public in Indonesia can be explained by variations in the variables of capital adequacy ratio (CAR), non-performing loans (NPL), loan to deposit ratio (LDR), operational costs and operating income (BOPO), net interest margin (NIM) is 92.3%.

scholarly journals PENGARUH NET INTEREST MARGIN (NIM), BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN BURSA EFEK DI NEGARA INDONESIA, MALAYSIA, DAN THAILAND

2017 ◽  
Vol 29 (1) ◽  
pp. 9-19
Author(s):  
Juhasdi Susono
Keyword(s):  
Time Series ◽  
Cross Section ◽  
Operating Cost ◽  
Capital Adequacy ◽  
Series Data ◽  
Independent Variables ◽  
Pooled Data ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to determine the effect of Net Interest Margin (NIM), Operational Income Operating Cost (BOPO), Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPL) on banking stock exchange company profitability in Indonesia, Malaysia and Thailand. This research was a quantitative, aimed to work out a systematically explain on the facts and properties of object in the research then merger was done between related variables in it with the presentation of secondary data from the financial statements of banking companies in Indonesia, Malaysia and Thailand. The population used in this study was banking company listed in Indonesia, Malaysia and Thailand stock exchanges in the period of 2010 to 2016. The sample used in this study as many as 24 banking companies in Indonesia, Malaysia and Thailand using purpose sampling method to obtain a representative sample that matches the criteria that have been made. In this study, data analysis method used was panel data (pooled data) which is a combination of time-series data and data between individuals or space (cross section) in banking companies in Indonesia, Malaysia and Thailand. Research Results for banking companies in Indonesia gained value of R square model of 0.222 percent, means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 22.20 percent of the remaining 78.80 percent explained by other factors not studied here. Next, In Malaysia R value of this model square of 0.335 percent means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 33.50 percent on the remaining 66.50 percent explained by other factors not included in the study this. While in Thailand, R square value of this model was 0.266 percent means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 26.60 percent of 73.40 percent was explained by other factors not discussed in this study.   Abstrak   Penelitian ini bertujuan untuk untuk mengetahui pengaruh Net Interest Margin (NIM), Biaya Operasional Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), dan Non Performing Loan (NPL) terhadap pofitabilitas perbankan di negara indonesia, malaysia, dan thailand. Penelitian ini merupakan penelitian kuantitatif yang tujuanya untuk mengerjakan suatu yang di jelaskan secara sistematis tentang fakta-fakta serta sifat dalam suatu objek dalam penelitian kemudian melakukan penggabungan antar variabel yang terkait di dalamnya dengan penyajian data sekunder dari laporan keuangan dari perusahaan perbankan di negara indonesia, malaysia dan thailand. Populasi yang di gunakan pada penelitian ini adalah perusahaan perbankan yang terdaftar di bursa efek indonesia, malaysia dan thailand dalam kurun waktu 2010 sampai 2016. Sampel yang di gunakan dalam penelitian ini sebanyak 24 perusahaan perbankan di negara indonesia, malaysia, dan thailand dengan menggunakan metode purpose sampling tujuanya untuk memperoleh sampel representatif yang sesuai kriteria yang sudah di pastikan. Pada penelitian ini, metode analisa data yang digunakan adalah data panel (pooled data) yang merupakan gabungan dari data antar waktu (time series) dan data antar individu atau ruang (cross section) di perusahaan perbankan di negara indonesia, malaysia dan thailand. Hasil Penelitian untuk perusahaan perbankan di negara indonesia Nilai R square model ini sebesar 0,222 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 22.20 persen sisanya sebesar 78.80 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini. Selanjutnya Di negara malaysia Nilai R square model ini sebesar 0,335 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 33.50 persen sisanya sebesar 66.50 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini. Sedangkan di negara thailand. Nilai R square model ini sebesar 0,266 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 26.60 persen sisanya sebesar 73.40 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini.

scholarly journals Indikator Risk Based Bank Rating, Kinerja Keuangan dan Perusahaan Perbankan

2021 ◽  
Vol 31 (3) ◽  
pp. 782
Author(s):  
Ida Bagus Made Bayu Indrawan ◽  
I Wayan Pradnyanta Wirasedana
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The research aims to prove empirically the influence of Non-Performing Loans, Loans to Deposit Ratio, Good Corporate Governance, Net Interest Margin, and Capital Adequacy Ratio on financial performance of banking companies listed on the IDX. Agency theory and Productive theory of credit are the theories used in this study. The study population is all Banking Companies listed on the Indonesia Stock Exchange (IDX) in 2014-2018 totaling 45 companies. The research sample of 30 companies with non-probability sampling method with purposive sampling technique. The data analysis technique used is multiple linear regression. The research results obtained by Non Performing Loans are considered negative, Loan to Deposit Ratio and Good Corporate Governance are not approved and are significant, Net Interest Margin and Capital Adequacy Ratio have positive and significant effect on financial performance. Keywords: Non Performing Loan; Loan to Deposit Ratio; Good Corporate Governance; Net Interest Margin; Capital Adequacy Ratio; Financial Performance.

scholarly journals PENGARUH SIZE, LIKUIDITAS, RISIKO KREDIT DAN RENTABILITAS TERHADAP RASIO KECUKUPAN MODAL

2018 ◽  
Vol 7 (7) ◽  
pp. 3502
Author(s):  
Ayusta Riana Dewi ◽  
I Putu Yadnya
Keyword(s):  
Capital Adequacy ◽  
Bank Loan ◽  
Total Asset ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Industri BPR yang sehat diperlukan dalam rangka menciptakan stabilitas sistem keuangan, dan mendorong pertumbuhan ekonomi nasional. Penelitian ini bertujuan untuk mengetahui pengaruh Size/ukuran bank, Loan to Deposit Ratio (LDR), Non Performing Loan (NPL) dan Net Interest Margin (NIM) terhadap Capital Adequacy Ratio (CAR). Penelitian ini dilakukan pada BPR di Provinsi Bali periode 2015-2016. Teknik pengambilan sampel menggunakan metode sensus yang berjumlah 137 BPR dengan teknik analisis data regresi linier berganda. Berdasarkan hasil analisis menunjukkan bahwa Size/ukuran bank berpengaruh negatif signifikan terhadap CAR. Hal ini menunjukkan bahwa semakin tinggi total asset suatu bank maka bobot risiko semakin tinggi dan kecukupan modalnya akan menurun.  LDR dan NIM berpengaruh positif signifikan terhadap CAR. Hal ini menunjukkan bahwa semakin tinggi LDR dan NIM maka kecukupan modal akan meningkat. NPL berpengaruh negatif signifikan terhadap CAR. Hal ini menunjukkan bahwa semakin tinggi NPL maka kecukupan modal bank akan menurun. Kata kunci: CAR, SIZE, LDR, NPL, NIM

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK PEMERINTAH DENGAN BANK UMUM SWASTA NASIONAL

2020 ◽  
Vol 32 (02) ◽  
pp. 116-133
Author(s):  
Vitalis Ari Widiyaningsih ◽  
Heru Suwasono
Keyword(s):  
T Test ◽  
Capital Adequacy ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisa perbedaan kinerja antara bank pemerintah dan bank umum swasta nasional periode 2017-2019. Perbandingan kinerja diukur dari Capital, Aset Quality, Earning & Efficiency, dan Liquidity. Populasi daam penelitian ini adalah semua bank yang terdaftar di Bursa Efek Indonesia selama periode penelitian yang berjumlah 33 bank. Metode sampling yang digunakan adalah purposive sampling. Sampel dalam penelitian ini adalah  4 bank pemerintah dan 4 bank umum swasta nasional. Teknik analisis data adalah uji beda yang dilakukan dengan independent sample t-test. Penelitian ini diharapkan dapat memberikan informasi empiris mengenai perbandingan kinerja bank pemerintah dengan bank umum swasta nasional. Kinerja yang dimasksud adalah dari nilai Capital Adequacy Ratio (CAR) yaitu mengenai kecukupan modal perbankan, Loan to Deposit Ratio (LDR) yaitu mengenai likuiditas perbankan, Non Performing Loan (NPL) yaitu mengenai kredit bermasalah, dan Net Interest Margin (NIM) yaitu mengenai profitabilitas perbankan.kinerja keuangan

Sign in / Sign up

Export Citation Format

Share Document