scholarly journals Pengaruh Capital Adequacy Rasio, Dana Pihak Ketiga, dan Non Performing Loan, terhadap Profitabilitas dengan LDR sebagai Variabel Intervening pada Bank Umum Konvensional di Indonesia

2021 ◽  
Vol 9 (1) ◽  
pp. 437
Author(s):  
Ivan Lisfi Alphamalana ◽  
Sista Paramita
Keyword(s):  
Commercial Banks ◽  
Quantitative Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Analysis Tool ◽  
Capital Adequacy Ratio ◽  
Research Population ◽  
Statistical Analysis Tool ◽  
Intervening Variables ◽  
Research Type

The Bank is an institution that has a role as a financial intermediary between parties who need funds and can facilitate the payment flows. Additionally, The Bank has a function as industries that rely on public trust, so the health level of the Bank needs to be maintained. Profitability is essential for a bank because it measures a company's effectiveness in generating profits by maximizing its assets. This research aim is to investigate the effect of Capital Adequacy Ratio (CAR), Third Parties Funds (TPF), dan Non-Performing Loan (NPL), on Profitability with LDR as Intervening Variables. This research population is conventional commercial banks in Indonesia between 2012 to 2016. This research type is causality research using quantitative data—the sampling technique using a purposive sampling total of 150 samples. The statistical analysis tool in this research is lane analysis with software versions of AMOS 22 and IBM SPSS. The conclusion from this research results that CAR, TAPI F, and NPL variables affect LDR. The CAR, TPF, and LDR variables have not affected profitability, while the NPL variable affects profitability. Furthermore, CAR, TPF, and NPL cannot mediated by LDR.

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 DETERMINING THE PERFORMANCE OF SHARIA COMMERCIAL BANKS WITH MODERATION OF NON PERFORMING FINANCING RATIO IN INDONESIA

Riset ◽  
2021 ◽  
Vol 3 (2) ◽  
pp. 563-580
Author(s):  
Novan Wahyu Hidayat ◽  
Amalia Kusuma Wardini ◽  
Lela Nurlela Wati
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Previous Period ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Positive Effect

The research objectives to be achieved are: (1) To analyze and reveal empirically whether the Capital Adequacy Ratio (CAR), OE, Financing to Deposit Ratio (FDR), Net Operating Margin (NOM) affects the performance of Islamic Commercial Banks as measured by the ratio ROA). (2) To determine and analyze whether the non-performing loan ratio (NPF) moderates the effect of Capital Adequacy Ratio (CAR), OE, Financing to Deposit Ratio (FDR), and Net Operating Margin (NOM) on the performance of Islamic Commercial Banks (Return On Assets). This type of research is a quantitative research. The population used in this study is a Islamic commercial banks registered with the Financial Services Authority consisting of 14 BUS from 2015-2019. The data used is secondary data and uses saturated sampling method. Researchers used this sampling technique because the total population of 14 Islamic commercial banks companies in Indonesia are registered with the Financial Services Authority (OJK). Analysis of research data using Moderating Regression Analysis. Simultaneously CAR, OE, FDR and NOM have a positive effect on BUS performance for the 2015-2019 period as measured by ROA, but the partial results are only CAR that has a positive effect on ROA while OE, FDR and NOM have a negative effect on ROA, this happens because The capital adequacy held in the current period in lending is currently decreasing when compared to the previous period so that it has an impact on decreasing income and profit for the next period. Simultaneously, NPF moderates CAR, OE, FDR and NOM have a positive effect on BUS performance for the 2015-2019 period as measured by ROA, while the partial results are only NPF which has an impact on reducing the effect of CAR on ROA, while other variables when NPF moderate the relationship with ROA moves towards improvement. This is because the capital adequacy ratio is currently used in handling the current bad credit ratio as a result of loans extended in the previous period so that the current capital that should be used to generate profits in the next period through an increase in the volume of credit at this time from the previous period is reduced so that an impact on the decline in Islamic commercial banks profitability in the next period. As for what makes the difference in this study is the moderation of NPF on the effect of CAR, BOPO, FDR and NOM on ROA.

scholarly journals PENGARUH FIRM SIZE, DEBT RATIO DAN CAPITAL ADEQUACY RATIO TERHADAP PROFITABILITAS

Equity ◽  
2019 ◽  
Vol 18 (2) ◽  
pp. 153
Author(s):  
Diah Suryati ◽  
Fitri Yetti
Keyword(s):  
Firm Size ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Analysis Tool ◽  
Debt Ratio ◽  
Return On Assets ◽  
Independent Variables ◽  
Percentage Points ◽  
Capital Adequacy Ratio ◽  
Statistical Analysis Tool

This study examind the effect of firm size, debt ratio and capital adequacy ratio in the banking companies listed in Indonesia Stock Exchange (IDX) during 2011 - 2014. The methodology in this research is descriptive quantitative by using multiple regression analysis. This model is a statistical analysis tool that is used to describe the effect of independent variables on the dependent variable (partially and simultaneously). In partial results of the study concluded that the profitability of using formulas return on assets, the ratio of financial performance in banking that firm size has a positive and significant impact on profitability. And the debt ratio has a negative and significant impact on the profitability of the banking company. The higher firm size will lead to improved profitability in the banking company, the higher the debt ratio will cause a decrease in the profitability of the banking company. While the capital adequacy ratio has no significant effect on profitability. Simultaneously, the influence of three independent variables on profitability in the banking company is 30.5 percentage points.

scholarly journals Pengaruh CAR, NPF dan FDR Terhadap Pembiayaan Murabahah pada Bank Umum Syariah di Indonesia (Studi Kasus pada Bank Mandiri Syariah, Bank BNI Syariah dan Bank BRI Syariah Triwulan I-IV Tahun 2015-2019)

2020 ◽  
Vol 5 (2) ◽  
Author(s):  
Nunuk Nafidzatun Nafiah ◽  
Mifta Hulaikhah ◽  
Ahmat Arif Syaifudin
Keyword(s):  
Sampling Technique ◽  
Capital Adequacy ◽  
Financial Statement ◽  
Islamic Banks ◽  
Variable Effect ◽  
Independent Variables ◽  
Significant Negative Effect ◽  
Capital Adequacy Ratio ◽  
Research Population ◽  
Negative Effect

The study aims to analyze the effect of CAR, NPF, FDR to mura>bah}ah financing on Islamic commercial banks simultaneously and partially. The dependent variable in this study is mura>bah}ah financing. The independent variables are CAR, NPF, FDR. The research of mura>bah}ah financing using a quantitative approach. The research population includes all registered Islamic banking in the Bank Indonesia period 2015-2019. The sample was determined by purposive sampling technique. The data used in this study are quarterly financial statement data three Islamic banks in Indonesia period 2015-2019. The method of analyzing data used multiple linear regression. The results of this study indicate that the partially capital adequacy ratio (CAR) variable significantly negative effect on mura>bah}ah financing with value sig. 0,0000 < 0,05. Non performing financing (NPF) variable significant negative effect on mura>bah}ah financing with value sig. 0,003 < 0,05. Financing deposit ratio (FDR) variable significant negative effect on mura>bah}ah financing with value sig. 0,0000 < 0,05. The results of this study indicate that capital adequacy ratio (CAR), non performing financing (NPF), and financing deposit ratio (FDR) variable effect simultaneously to  mura>bah}ah financing variable with value sig. 0,0000 < 0,05. Keywords: capital adequacy ratio; non performing financing; financing deposit ratio; mura>bah}ah financing

scholarly journals Impact of risk management strategies on the credit risk faced by commercial banks of Balochistan

2019 ◽  
Vol 5 (1) ◽  
Author(s):  
Zia Ur Rehman ◽  
Noor Muhammad ◽  
Bilal Sarwar ◽  
Muhammad Asif Raz
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Banks ◽  
Quantitative Data ◽  
Management Strategies ◽  
Capital Adequacy ◽  
Regression Analyses ◽  
Credit Risk Management ◽  
Capital Adequacy Ratio ◽  
Risk Management Strategies

AbstractThis study aims to identify risk management strategies undertaken by the commercial banks of Balochistan, Pakistan, to mitigate or eliminate credit risk. The findings of the study are significant as commercial banks will understand the effectiveness of various risk management strategies and may apply them for minimizing credit risk. This explanatory study analyses the opinions of the employees of selected commercial banks about which strategies are useful for mitigating credit risk. Quantitative data was collected from 250 employees of commercial banks to perform multiple regression analyses, which were used for the analysis. The results identified four areas of impact on credit risk management (CRM): corporate governance exerts the greatest impact, followed by diversification, which plays a significant role, hedging and, finally, the bank’s Capital Adequacy Ratio. This study highlights these four risk management strategies, which are critical for commercial banks to resolve their credit risk.

scholarly journals DETERMINAN EFISIENSI PERBANKAN DI INDONESIA (STUDI EMPIRIS PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2012-2018)

2020 ◽  
Vol 7 (12) ◽  
pp. 2436
Author(s):  
Sri Farhatin Wulandari ◽  
Muh. Nafik Hadi Ryandono
Keyword(s):  
Commercial Banks ◽  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Important Indicator ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Interest Margin

ABSTRAKEfisiensi merupakan salah satu indikator penting dalam mengukur kinerja keseluruhan dari aktivitas perbankan. Penelitian ini bertujuan untuk mengetahui pengaruh variabel Capital Adequacy Ratio (CAR), Financing to Deposito Ratio (FDR), Net Interest Margin (NIM), dan Bank Size terhadap Efisiensi Bank Umum Syariah di Indonesia periode 2012-2018 yang diproksikan melalui Beban Operasional Pendapatan Operasional (BOPO). Metode yang digunakan adalah metode kuantitatif dengan teknik analisis regresi data panel menggunakan alat statistik Eviews 9.0. Data yang digunakan adalah data sekunder dengan teknik pengambilan sampel purposive sampling sehingga menghasilkan sampel sebanyak 11 Bank Umum Syariah di Indonesia. Hasil penelitian ini menunjukkan bahwa secara simultan variabel Capital Adequacy Ratio (CAR), Financing to Deposito Ratio (FDR), Net Interest Margin (NIM), dan Bank Size berpengaruh signifikan terhadap Efisiensi Bank Umum Syariah di Indonesia periode 2012-2018. Selanjutnya, secara parsial Capital Adequacy Ratio (CAR), berpengaruh negative dan signifikan, Financing to Deposito Ratio (FDR) berpengaruh positif dan signifikan, Net Interest Margin (NIM) berpengaruh positif dan tidak signifikan, dan Bank Size berpengaruh negatif dan signifikan terhadap efisiensi perbankan syariah.Kata Kunci: Efisiensi, CAR, FDR, NIM, Bank Size, Bank Syariah. ABSTRACTEfficiency is an important indicator in measuring the overall performance of banking activities. This study aimed to determine the effect of the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Net Interest Margin (NIM), and Bank Size on the Efficiency of Sharia Commercial Banks in Indonesia for the period 2012-2018, proxied through Operational Income Operational Expenses (BOPO). The method used was a quantitative method with panel data regression analysis techniques using statistical tools Eviews 9.0.  The data were secondary data with purposive sampling technique to produce a sample of 11 Sharia Commercial Banks in Indonesia. The results of this study showed that simultaneously the variables of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Net Interest Margin (NIM), and Bank Size had a significant effect on the Efficiency of Islamic Commercial Banks in Indonesia for the period 2012-2018. Furthermore, partially Capital Adequacy Ratio (CAR) had a negative and significant effect, Financing to Deposit Ratio (FDR) had a positive and significant effect, Net Interest Margin (NIM) had a positive and insignificant effect, and Bank Size had a negative and significant effect on Sharia banking efficiency.Keywords: Efficiency, CAR, FDR, NIM, Bank Size, Sharia Bank.

scholarly journals 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

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.

scholarly journals The effect of efficiency ratio, Bad Credit and Profitability to Capital Adequacy Ratio at Sharia Commercial Banks in Indonesia Year 2014-2018

2021 ◽  
Vol 5 (2) ◽  
pp. 112-122
Author(s):  
Sulistyaning Tyas ◽  
Eni Wuryani
Keyword(s):  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Efficiency Ratio ◽  
Financial Reports ◽  
Capital Adequacy Ratio ◽  
Dependent Variables

This study aims to determine the effect of efficiency ratios, non-perfoming loans, and profitability on the capital adequacy ratio in Islamic Commercial Banks in Indonesia 2014-2018. This research is a quantitative study with secondary data from financial reports. Purposive sampling is a sampling technique use in this study so that there are 14 samples of Islamic commercial banks during the 2014-2018 period. The data analysis used is multiple linear regression analysis with the SPSS application. The results obtained by two dependent variables, the efficiency ratio and non-performing loans have an influence on the capital adequacy ratio. Meanwhile, profitability partially has no effect on the capital adequacy ratio.

scholarly journals CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN, NET INTEREST MARGIN, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL DAN LOAN TO DEPOSIT RATIO TERHADAP FINANCIAL DISTRESS

2018 ◽  
Vol 10 (2) ◽  
pp. 90-98
Author(s):  
Baiq Defika Zahronyana ◽  
Dewa P.K. Mahardika
Keyword(s):  
Logistic Regression ◽  
Commercial Bank ◽  
Financial Distress ◽  
Sampling Technique ◽  
Model Analysis ◽  
Capital Adequacy ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Research Population

The purpose of this research is to determine the effect of CAR, NPL, NIM, BOPO, LDR on the fianancial distress of BUMN Commercial Bank either simultaneously or partially. BUMN Commercial Bank in 2012-2016 was selected as a research population. The purposive sampling technique was used for sampling and obtained samples as much of 4 companies with a five-year period every three months, resulting 80 data to be observed. The Model analysis in this research is logistic regression by using software SPSS 20. The results showed that the variables CAR,NPL,NIM,BOPO,LDR simultaneously affect the financial distress. Partially NPL,NIM, and BOPO variables don’t have effect on financial distress, while CAR variable has significant negative has effect to financial distress and LDR variable significant positf has effect on financial distress.

PENGARUH KINERJA KEUANGAN TERHADAP PERTUMBUHAN LABA BANK UMUM DI INDONESIA

2019 ◽  
Vol 2 (1) ◽  
pp. 1-9
Author(s):  
Rizky Dwi Taruna ◽  
Setiawan Setiawan
Keyword(s):  
Commercial Banks ◽  
Quantitative Data ◽  
Capital Adequacy ◽  
Financial Statement ◽  
Operational Cost ◽  
Analysis Method ◽  
Capital Adequacy Ratio ◽  
Research Show ◽  
Operating Revenue ◽  
Profit Growth

The purpose of this research is to know the effect of Capital Adequacy Ratio (CAR), Operational Cost on Operating Revenue (OCOR) and Interest Risk Ratio (IRR) on Profit Growth partially or simultaneously at Bank BUKU III and BUKU IV in Indonesia period 2013-2017.The sample in this research are commercial banks in Indonesia which are included in the category of BUKU III and BUKU IV period 2013-2017 which contained 18 banks. The data used in this research is quantitative data obtained from the financial statement publications of bank. Data analysis method used is linear regression model.The results obtained from the research show partially CAR variable does not significantly influence but BOPO and IRR variables significantly influence the profit growth. Simultaneously variable CAR, BOPO and IRR have significant effect to profit growth. Simultaneously affect the profit growth by 17% and the remaining 83% influenced by other factor outside this research.

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