Analisis Pengaruh Bopo, Npl, Nim, Dan LDR Terhadap Profitabilitas Pada Bank Umum Di Indonesia Periode 2012-2017

Rohmiati, Evi; Winarni, Winarni; Soebroto, Nina Woelan

doi:10.32497/keunis.v7i1.1531

Cited by 14 publications

(17 citation statements)

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“…At the same time, the study of Syakhrun et al (2019). Obtained the value of the negative impact of OE on company performance which is in line with the research results of Rohmiati et al (2019).…”

Section: Literature Reviewsupporting

confidence: 77%

Determining the Performance of Sharia Commercial Banks With Moderation of Non Performing Financing Ratio in Indonesia

Hidayat¹,

Wardini²,

Wati³

2021

riset

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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.

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Section: Literature Reviewsupporting

confidence: 77%

Determining the Performance of Sharia Commercial Banks With Moderation of Non Performing Financing Ratio in Indonesia

Hidayat¹,

Wardini²,

Wati³

2021

riset

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“…Bank profitability is the ability of a company in seeking profit or profit of a certain period (Rohmiati et al, 2019). To measure the level of profit of a bank, a profit ratio or profitability ratio is used.…”

Section: Return On Assetsmentioning

confidence: 99%

Factors Affecting Non-Performing Loans of Conventional Banking: Evidence in Indonesia Stock Exchange

Khoirunisa

Hutauruk

Muchtar

2022

SLJIL

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Majority banks in Indonesia still use loans as the main income to finance their operations. The effects of the NPL will result in dividend payments, high-interest rates and low investment rates resulting in the lower economic development of the country. Based on this, this study was conducted to find out the factors that affect the risk of problematic credit. In this study, the authors used quantitative methods. The independent variables in the study were Return on Assets (ROA), Income Diversification, Bank Capital and Bank Efficiency while the dependent variables were Non-Performing Loans (NPL). The study collected data from 35 banking companies listed on the Indonesia Stock Exchange over 5 years (2016-2020) and used the panel's data regression model for its testing. Findings from this study suggest that Return on Assets (ROA), Bank Capital and Bank Efficiency have a significant negative effect on Non-Performing Loans (NPLs). Income Diversification has no significant effect on non-performing loans (NPLs). The results of this study can be used to present a successful model for banking companies in Indonesia to pay more attention to the mitigation of bad credit risk. All studies have used IBM SPSS 25 as an analysis tool. The conclusions of the results of the study that can be taken are as follows Return on Assets, Bank Capital, and Bank Efficiency have a negative influence on Non-Performing Loans while Income Diversification does not influence Non-Performing Loans

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“…Kredit bermasalah akan menyebabkan bank tidak mendapatkan bunga yang merupakan pendapatan utamanya. Namun, jika terjadi sebaliknya, yaitu kredit bermasalah yang rendah, maka kerugian tersebut dapat diminimalkan melalui Penyisihan Penghapusan Aktiva Produktif (PPAP) yang rendah dengan mengoptimalkan pendapatan bunga dari kredit yang disalurkan (Rohmiati et al, 2019).…”

Section: Kredit Bermasalah Berpengaruh Terhadap Profitabilitasunclassified

“…Biaya operasional bank yang meningkat akan menurunkan kemampuan bank dalam menghasilkan laba (Katuuk et al, 2018). Pernyataan ini sesuai dengan penelitian yang dilakukan oleh Wijaya & Tiyas (2016), Sudiatno & Suroso (2010), Khoirunnisa et al (2016), Yulistiani & Suryantini (2016), Parenrengi & Hendratni (2018), dan Rohmiati et al (2019) yang menyatakan bahwa efisiensi operasional yang rendah menandakan operasional bank telah efisien dan terdapat peningkatan laba atau keuntungan yang dapat diperoleh secara optimal.…”

Section: Efisiensi Operasional Berpengaruh Terhadap Profitabilitasunclassified

“…Hal ini dikarenakan pihak bank selalu berhatihati di dalam mengelola kredit bermasalah sehingga tidak mengganggu kemampuan perusahaan di dalam menghasilkan laba atau keuntungan. Hasil penelitian ini sesuai dengan hasil penelitian dari Aulia & Prasetino (2016), Akbar et al (2018), Firmanta (2018), dan Rohmiati et al (2019) dan tidak sesuai dengan Marina & Marlina (2015). Kredit bermasalah yang meningkat akan mendorong bank untuk menyediakan cadangan sebagai bentuk antisipasi di dalam menutupi kerugian dari kredit bermasalah, yang juga akan semakin meningkat.…”

Section: Pengaruh Kredit Bermasalah Terhadap Profitabilitasunclassified

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Pengaruh Kredit Bermasalah, Perputaran Kas, Efisiensi Operasional, Dana Pihak Ketiga, dan Likuiditas terhadap Profitabilitas pada Perusahaan Perbankan

Lintang

Ardillah

2021

Jakman

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Purpose: This study aims to determine the effect of non-performing loans, cash turnover, operational efficiency, third party funds, and liquidity on profitability (ROA and ROE). Research Methodology: The method used is panel data regression with a Random Effects model approach. Results: Non-performing loans have no effect on ROA and ROE. Cash turnover has no effect on ROA. Operational efficiency affects ROA and ROE. Third party funds affect ROA but have no effect on ROE. Liquidity affects ROA but has no effect on ROE. Limitations: This study uses data from banking companies with selection based on certain criteria and does not reflect the entire financial industry in general. Contribution: Bank’s management can maintain non-performing loans, cash flow, operational efficiency, third party funds, liquidity, and profitability carefully and in accordance with the latest regulations issued by Bank Indonesia, the Ministry of Finance, and the Financial Services Authority.

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Analisis Pengaruh Bopo, Npl, Nim, Dan LDR Terhadap Profitabilitas Pada Bank Umum Di Indonesia Periode 2012-2017

Cited by 14 publications

References 0 publications

Determining the Performance of Sharia Commercial Banks With Moderation of Non Performing Financing Ratio in Indonesia

Determining the Performance of Sharia Commercial Banks With Moderation of Non Performing Financing Ratio in Indonesia

Factors Affecting Non-Performing Loans of Conventional Banking: Evidence in Indonesia Stock Exchange

Pengaruh Kredit Bermasalah, Perputaran Kas, Efisiensi Operasional, Dana Pihak Ketiga, dan Likuiditas terhadap Profitabilitas pada Perusahaan Perbankan

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