scholarly journals Anteseden Return on Asset (ROA) pada Bank BUMN Indonesia

2019 ◽  
Vol 2 (1) ◽  
pp. 68-78
Author(s):  
Andi Tenriola
Keyword(s):  
Cost Efficiency ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Dominant Effect ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study aims to examine and analyze the effect of Capital Adequacy Ratio (CAR),Operating Expenses and Cost Efficiency (BOPO) and Loan to Deposit Ratio (LDR) to Return onassets (ROA). Return on assets (ROA) or profitability is one indicator that can be used to measurebank performance. The population used in this study is state-owned banks registered with BankIndonesia during the 2014-2018 period. In this study the sampling technique used total samplingtechniques using quarterly financial statements owned (1) PT. BNI (Persero), Tbk (2) Bank BRI(Persero), Tbk, (3) PT Bank Mandiri (Persero), Tbk; and (4) PT Bank BTN (Persero) so that with thesample, the number of samples in this study were (4 Quarter x 5 Years of Observation x 4 BUMNBanks = 80 panel data units). The results of multiple regression analysis provide evidence that CARhas a significant positive effect on ROA. Operational efficiency and cost efficiency (BOPO) has asignificant negative effect on return on assets (ROA). LDR has a significant negative effect on ROA.For the biggest contribution proven in CAR, that CAR has a dominant effect on ROA.

scholarly journals Pengaruh Capital Adequacy Ratio, Non Performing Loan dan Return On Asset Terhadap Penyaluran Kredit

2021 ◽  
Vol 4 (2) ◽  
pp. 565-574
Author(s):  
Dewanti Safitri ◽  
Asep Muslihat
Keyword(s):  
Hypothesis Testing ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Verification Method ◽  
Nonperforming Loans ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine whether there is an influence of capital adequacy ratio, non-performing loans, return on assets, lending. The effect of capital adequacy ratio financing on lending, the effect of non-performing loans on lending and the effect of return on assets on lending, and capital adequacy ratios, non-performing loans and return on assets on lending. 44 samples were taken from 2016 to 2019 with data on monthly capital adequacy ratios, non-performing loans, return on assets, and lending. The statistical methods taken in this research are multiple analysis, classic assumption test, descriptive statistical analysis, determination analysis and hypothesis testing using SPSS 25 analytical tools.In this research, we know the effect of capital adequacy ratio, non-performing loans, and return on assets in partial or joint lending. This method is a descriptive verification method with a quantitative approach to the source of annual financial statements at commercial banks. Purposive sampling technique. The data obtained were analyzed by testing the validity of the data, multiple linear regresis analysis and hypothesis testing using the f test and t test.The results of this study show that the partial capital adequacy ratio has a negative effect on lending, non-performing loans on lending have a positive effect and the return on assets on lending has a positive effect. Whereas jointly the credit distribution is very influential. Keywords: Capital Adequacy Ratio, Nonperforming Loans, Return On Assets, Lending

scholarly journals Pengaruh NPL, LDR, dan CAR padaROA Perusahaan Perbankan yang Terdaftar di BEI Tahun 2014-2016

2018 ◽  
pp. 2096
Author(s):  
Putu Intan Trisna Dewi ◽  
I Ketut Suryanawa
Keyword(s):  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

Banking plays an important role in influencing economic activity. Banking is required to gain profit so as to compete in order to maintain its survival. The profit is used to pay for all types of operational costs. This research was conducted in Banking Companies Listed in Indonesia Stock Exchange Period Year 2014 - 2016. The number of samples is 20 banks, with the method of purposive sampling technique. Data collection is done by observation or observation. The analysis technique used is multiple linear regression analysis. Based on the result of research, it is known that non performing loan has negative effect on return on asset, loan to deposit ratio has positive effect on return on asset, and capital adequacy ratio has negative effect on return on asset. Keywords: Non Performing Loan, Loan to Deposit Ratio, Capital Adequacy Ratio, Return On Assets.  

scholarly journals Dampak Rasio Keuangan Dan Pandemi COVID-19 Terhadap Kinerja Keuangan

2021 ◽  
Vol 26 (3) ◽  
pp. 327
Author(s):  
Villy, Nuryasman MN
Keyword(s):  
Sampling Technique ◽  
Financial Statements ◽  
Analysis Data ◽  
Measuring Instruments ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Current Ratio ◽  
Independent Variables ◽  
Negative Effect ◽  
Positive Effect

This study has purpose to determine the effect of ratios on financial performance by using current ratios, quick ratios, dan debt to assets ratios as measuring instruments for the dependent variablesl and using return on assets as measuring instruments for independent variables. The population of the financial statements is PT Multisport Indonesia for the 2019-2021 period. The sampling technique is purposive sampling. The analytical methods to test the hypothesis is path analysis. Data processing using Eviews10 software. The result of the study found that current ratio had a significant positive effect on return on assets, the quick ratio had a significant negative effect on return on assets,  and the debt on assets ratio had an insignificant negative effect on return on assets.

scholarly journals Pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, dan Kurs terhadap Return On Asset

2020 ◽  
Vol 2 (3) ◽  
pp. 187-194
Author(s):  
Annisa Indria Irnawati ◽  
Bambang Waluyo ◽  
Taufikul Ichsan
Keyword(s):  
Exchange Rate ◽  
Exchange Rates ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

Purpose- This study aims to examine the effect of Capital Adequacy Ratio, Financing to Deposit Ratio, and exchange rates on Return On Assets in Islamic Banks for the period 2009 - 2017. Methods- The analysis technique used is multiple linear regression with the assistance of the Program Eviews. Finding- The results showed that CAR has a positive but not significant effect, while FDR has a significant positive effect, and the exchange rate has a significant negative effect on Return On Assets. AbstrakTujuan- Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, dan kurs terhadap Return On Asset pada Bank Syariah periode 2009 – 2017. Metode- Teknik analisis yang digunakan adalah regresi linier berganda berbantuan programEviews. Temuan- Hasil penelitian menunjukkan bahwa CAR berpengaruh positif namun tidak signifikan, sementara FDR berpengaruh positif signifikan, dan kurs berpengaruh negatif signifikan terhadap Return On Asset

scholarly journals Pengaruh Manajemen Risiko Kredit terhadap Profitabilitas Bank Perkreditan Rakyat di Kepulauan Riau

2020 ◽  
Vol 4 (2) ◽  
pp. 90
Author(s):  
Serly Serly ◽  
Edy Kurniawan
Keyword(s):  
Financial Services ◽  
Sampling Method ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Credit Risk Management ◽  
Return On Assets ◽  
Rural Credit ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study is aimed to identify the effect of credit risk management on the profitability of Rural Credit Banks in Riau Islands. Measurement of profitability in this dependent variable is in a form of return on assets and there are independent variables in this study in the form of capital adequacy ratio, non-performing loans, bank size, liquidity, inefficiency, and inflation. 38 banking companies are sampled in this study, all registered in the Financial Services Authority within the 2014-2018 period. Purposing sampling method is used to determine the acquired samples. Data collection is done by researching, analyzing, and studying the financial statements of the banking and then processed with the help of the Eviews software. The results showed the capital adequacy ratio, bank size, and inefficiency has a significant negative effect on return on assets. While the liquidity variable has a significant positive effect on return on assets and non-performing loan variables, while inflation do not have a significant relationship with return on assets.

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.

scholarly journals PENGARUH NPL, CAR DAN BOPO TERHADAP PROFITABILITAS PADA BPR DI KOTA DENPASAR

2018 ◽  
Vol 7 (11) ◽  
pp. 6212
Author(s):  
Ni Kadek Alit Pradina Putri ◽  
Luh Putu Wiagustini ◽  
Ni Nyoman Abundanti
Keyword(s):  
Financial Statements ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Operational Cost ◽  
Operating Income ◽  
Significant Negative Effect ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

BPR financial performance can be measured by the community through analysis of financial statements. An analysis of the financial statements of a bank is conducted to determine the level of profitability and soundness of the bank. The purpose of this research is to know the influence of Non Perfoming Loan, Capital Adequacy Ratio and Operational Cost of Operational Revenue to profitability at Rural Bank in Denpasar in period 2013-2016. The method used in this research is multiple regression analysis technique. This research uses saturated samples by taking samples of 18 existing BPR in Denpasar City. Based on the results of the analysis found that Non Perfoming Loan has a significant negative effect on profitability, Capital Adequacy Ratio has a significant positive effect on profitability, and operational cost of operating income has a significant negative effect on profitability. Keywords: npl, car, bopo, profitability

scholarly journals ANALISIS PENGARUH NON PERFORMING FINANCING (NPF), CAPITAL ADEQUACY RATIO (CAR), FINANCING TO DEPOSIT RATIO (FDR), DAN BOPO TERHADAP PROFITABILITAS (STUDI KASUS PADA PT. BANK VICTORIA SYARIAH PERIODE 2011-2016)

2017 ◽  
Vol 1 (2) ◽  
Author(s):  
Wahyu Dwi Yulihapsari ◽  
Dien Noviany Rahmatika ◽  
Jaka Waskito
Keyword(s):  
Total Sample ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Significance Level ◽  
Financial Report ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study was conducted to examine the effect of variable Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and ROA to profitability PT. Bank Victoria Syariah as measured by Return on Assets (ROA). Data used in the study was obtained from the Quarterly Financial Report 2011-2016 period issued by PT. Bank Victoria Syariah. The total sample of 21 with the technique of multiple regression analysis and hypothesis testing using t-test and F test with a significance level of 5%, which preceded the classical assumption. The results showed the dependent variable profitability (ROA) of 94.7% can be explained by variations in four independent variables (NPF, CAR, FDR and ROA) .In partial NPF and ROA significant negative effect on ROA, CAR significant positive effect on ROA, and FDR was not significant positive effect on ROA. Simultaneously NPF, CAR, FDR and BOPO effect on ROA. Keywords : Non Performing Financing (NPF) , Capital Adequacy Ratio (CAR) , Financing to Deposit Ratio (FDR) , ROA and Return on Assets (ROA)

Estimasi Pengaruh Faktor Internal Bank dan Stabilitas Makroekonomi terhadap Profitabilitas dengan Mediasi Rasio Pembiayaan Bermasalah di PT Bank Muamalat Indonesia

2020 ◽  
Vol 3 (2) ◽  
pp. 93-108
Author(s):  
Annisa Siti Fathonah ◽  
Dadang Hermawan
Keyword(s):  
Secondary Data ◽  
Financial Statements ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Internal Factors ◽  
Macroeconomic Factors ◽  
Operating Income ◽  
Significant Negative Effect ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine and analyze how much influence the bank's internal factors such as Equity, Operational Costs per Operating Income (BOPO), Financing Deposit to Ratio (FDR), Non Performing Financing (NPF) as a mediator and external or macroeconomic factors namely inflation and Gross Domestic Product (GDP) on profitability represented by Return on Assets (ROA) at Bank Muamalat Indonesia for the period 2008-2018. The data used in this research are secondary data obtained from the publication of quarterly financial statements from 2008 to quarter 2 of 2018. The method that used in this research is path analysis with SPSS 20.0 as the analytical tool. The results of the study partially test the hypothesis (t-test), in substructure I shows that the capital variable has a significant negative effect on NPF, BOPO and inflation has a significant positive effect on NPF, FDR and GDP do not significantly influence NPF at Bank Muamalat Indonesia. In substructure II partially, Capital, BOPO, significant negative effect on ROA, FDR and NPF has a significant positive effect on ROA, Inflation and GDP does not significantly influence ROA while simultaneously significantly influencing ROA. Based on the sobel test, capital has a significant effect on ROA through NPF, BOPO has a significant effect on ROA through NPF, FDR has a significant effect on ROA through NPF, Inflation has a significant effect on ROA through NPF, while GDP has no significant effect on ROA through NPF.

scholarly journals Determinant of Mudharabah Financing: A Study at Indonesian Islamic Rural Banking

ETIKONOMI ◽  
2017 ◽  
Vol 16 (1) ◽  
pp. 43-52 ◽  
Author(s):  
Erika Amelia ◽  
Eva Fauziah Hardini
Keyword(s):  
Exchange Rate ◽  
Time Series Data ◽  
Revenue Sharing ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Series Data ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect ◽  
Linear Regressions

This study aims to determine the variables that affect the financing in the Islamic rural banking in Indonesia. The data used in this study is a monthly time series data that is from June 2009 until June 2015 in the monthly financial statements Islamic Banking Statistics published by Bank Indonesia. The analytical method used in this research is multiple linear regressions. The results of data analysis showed that the variables simultaneously deposit fund, capital adequacy ratio, inflation, exchange rate and the level of revenue sharing significantly influence the composition of financing. Partially deposit funds and the exchange rate significant positive effect, while capital adequacy ratio had a negative effect. Variable inflation and the level of revenue sharing do not significantly influence the composition of financing. This result implies that Islamic rural banking should increase the deposit funds to increase the mudaraba financing.DOI: 10.15408/etk.v16i1.4638 

Sign in / Sign up

Export Citation Format

Share Document