A Comparison of Principal Component Analysis and Maximum Likelihood Factor Analysis in Bank Health Ratio

The use of factor analysis methods to reduce variable dimensions is generally known and has been used in various disciplines. The two famous extraction methods of factor analysis are principal component analysis and maximum likelihood. This study aimed to compare both, principal component analysis and maximum likelihood. By their constructed matrix correlation, applied to bank financial ratios. The study is developed from an initial set of 22 ratios of healthy indexed banks. The use of bank financial data aims to identify the structure of the financial ratio of healthy indexed banks. There are 10 variables satisfying the criteria of factor analysis techniques to be considered in the analysis. Both principal component analysis and maximum likelihood suggest three factors that can be used to represent 10 variables.Keywords: factor analysis; principal component analysis; maximum likelihood; financial ratios; bank health.

ANALYSIS OF THE PERFORMANCE AND FINANCIAL PERFORMANCE OF THE CREDIT COOPERATIVE (Case Study of Koprasi Swastisari in Kupang)

The objective of this research is to know the level of financial health of Koperasi Swastisari Credit 2012-2016 based on the Regulation of State Minister of Cooperatives and Small and Medium Enterprises of Republic of Indonesia No.06 / PER / DEP.6 / IV / 2016 concerning capital aspect, earning asset quality, management, liquidity, efficiency, independence and growth as well as cooperative identity.This research is a type of descriptive evaluative research. The subject of this research is Credit Cooperative (Kopdit) Swastisari in which the object of evaluation is financial health Kopdit Swastisari. Data analysis techniques in this study using descriptive analysis. In this research data is collected through documentation and interview method. The results showed that the health level of the 2012-2016 Swaddle Kopdit was in fairly healthy category with the average score of 78.06 with details: (1) the capital aspect was averaged 12.24 and was in the healthy category; (2) aspect of productive asset quality in the mean score 17,25 and in healthy enough category; (3) management aspect was score 13,07 and was in healthy category; (4) the efficiency aspect was averaged 15.00 and was in the healthy category; (5) liquidity aspect in the average score of 7.25 and is in the less healthy category; (6) aspect of independence and growth average score 6.25 and in the category of healthy enough; (7) the aspect of cooperative identity is averaged score of 7.00 and is in fairly healthy category. (8) the level of health of the Swedy Kopdit for 5 years (2012-2016) in a row obtained the total score of 70.35; 71.05; 72.45; 72.70; 72.50 and 78.06 are in fairly healthy categories.Using Trend Analysis least square method taken from the total health ratio of Swasti Sari Kopdit Period (2012-2016) obtained estimates of the results of the health ratio assessment in the coming year (2017-2020), the score obtained is 73.58; 74.17; 74.76 and 75.35 which indicate a good prospect for the next 5 year.

Pengaruh Rasio Kesehatan Bank (CAR, NPF, FDR, BOPO) Terhadap Return On Assets pada Bank Umum Syariah di Indonesia

Banking financial performance is reflected in their financial reports. Assessment of bank performance can be measured through financial ratio analysis approaches, one of which is the ratio of the bank's ability to generate profits or ROA. In generating good profits, a bank must be said to be healthy, the bank's health ratio which can describe the bank's health condition includes the level of capital adequacy, liquidity ratios, and bank operating expense ratios. The aims of the research are to find out and analyze the influence of the level of bank health ratio on the financial performance of Syariah Public Banks. The population are Bank Umum Syariah (BUS) in Indonesia which is registered in Bank Indonesia directory period 2016- 2020 that is 14 Bank Syariah. This study combined of a research object and one-time dimension, measurement by data analysis tools eviews 8, the test model chosen is the Fixed Effect Model - Least Square Dummy Variable. F test results showed that six variables simultaneously affect the amount of lending with the value of Prob (F-statistic) 0.000000. Hypothesis test results showed that CAR and NPF ratios have no influence to ROA, while FDR has a positive significant influence to ROA and BOPO ratio has a negative influence on ROA.

A population-based comparison of joint survival of hemiarthroplasty versus total shoulder arthroplasty in osteoarthritis and rheumatoid arthritis

Aims Few studies have compared survivorship of total shoulder arthroplasty (TSA) with hemiarthroplasty (HA). This observational study compared survivorship of TSA with HA while controlling for important covariables and accounting for death as a competing risk. Patients and Methods All patients who underwent shoulder arthroplasty in Ontario, Canada between April 2002 and March 2012 were identified using population-based health administrative data. We used the Fine–Gray sub-distribution hazard model to measure the association of arthroplasty type with time to revision surgery (accounting for death as a competing risk) controlling for age, gender, Charlson Comorbidity Index, income quintile, diagnosis, and surgeon factors. Results During the study period, 5777 patients underwent shoulder arthroplasty (4079 TSA, 70.6%; 1698 HA, 29.4%), 321 (5.6%) underwent revision, and 1090 (18.9%) died. TSA patients were older (TSA mean age 68.4 years (sd 10.2) vs HA mean age 66.5 years (sd 12.7); p = 0.001). The proportion of female patients was slightly lower in the TSA group (58.0% vs 58.4%). The adjusted association between surgery type and time to shoulder revision interacted significantly with patient age. Compared with TSA patients, revision was more common in the HA group (adjusted-health ratio (HR) 1.214, 95% confidence interval (CI) 0.96 to 1.53) but this did not reach statistical significance. Conclusion Although there was a trend towards higher revision risk in patients undergoing HA, we found no statistically significant difference in survivorship between patients undergoing TSA or HA. Cite this article: Bone Joint J 2019;101-B:454–460.

Influence of Bank Health Ratio on Financial Performance of Islamic Commercial Bank

This study aims to analyse the influence of bank health ratios on the financial performance of Islamic Commercial Banks using the ratio of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) ratio, Operating Expenses Operating Income ratio (OEOI), against Islamic Commercial Bank’s profitability represented by Return on Asset ratio (ROA). The population used in this study is the financial statements of Islamic Commercial Banks period 2015 until 2017. Types of quantitative data with library data collection techniques, and documentation. Technical analysis of data using multiple linear regression analysis with the help of SPSS 20 program. The results showed that health variables (CAR, LDR, and OEOI) simultaneously affect the Financial Performance of Islamic Commercial Banks. Partially CAR has no significant effect on ROA, LDR has no significant effect on ROA. The effect of OEOI on ROA is partial.

KOMPARASI TINGKAT KESEHATAN DUAL BANGKING SISTEM ANTARA DIVISI KONVENSIONAL DAN SYARIAH DI INDONESIA

This research aims to know the level of health ratio of conventional banks and islamic banks in Indonesia that have Dual Banking System. The sample of this research is 25 conventional bank and 24 islamic bank. This type of research is quantitative research. This research was analyzed using RGEC approach. The variables that used in this research consisted of Risk Profile factor assessed with NPL ratio and LDR of Earning factors assessed by ROA and BOPO ratio, and Capital factor was assessed through CAR ratio. Hypothesis testing in this study using independent sample t-test. From the calculation of the health level of banks, conventional banks are healthier than islamic banks. While the results obtained by using independent test sample t-test in this study showed that the ratio of NPL and CAR there is no significant difference. While the ratio of LDR, ROA, and BOPO there are significant differences.Keywords : Risk Profil; Earning; Capital