Determinan Capital Buffer: Kajian Empirik Industri Perbankan Nasional

Haryanto, Sugeng

doi:10.21067/jem.v11i2.872

Cited by 9 publications

(30 citation statements)

References 4 publications

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“…Retained earnings will increase the capital that leads to higher capital buffers. Belem & Gartner (2013) and Haryanto (2015) found a positive and significant influence between profitability and capital buffers. H 1 : Profitability (ROA) has a positive effect on capital buffer…”

Section: Profitability and Capital Buffermentioning

confidence: 96%

“…Capital for the banks has a very important role in supporting the operations of the bank in order to run smoothly (Haryanto 2015). Bank capital serves as a backup if one bank suffered losses.…”

Section: Capital Buffermentioning

confidence: 99%

“…The higher the profit of enterprises provide opportunities to increase capital buffer, as gains in part as retained earnings and will be accumulated on the capital itself. Belem & Gartner (2013) and Haryanto (2015) said that the profitability affects capital buffers. Similarly, the benefit ratio as measured by net profit margin (NIM) also has a positive effect on the capital buffer as found by Mili et al (2016).…”

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confidence: 99%

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Factors determinant of bank capital buffer: empirical study on islamic rural banking in Indonesia

Sutrisno¹

2018

Proceedings of the 15th International Symposium on Management (INSYMA 2018)

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Capital is a very important aspect of the banking industry as it will be used to cover the losses suffered by the bank. Financial Services Authority set a minimum limit of the bank's capital adequacy ratio of 8%. This study aims to determine the size of capital buffer. There are several factors believed to determine the amount of capital buffer, such as the return on assets (ROA), non-performing financing (NPF), financing to deposit ratio (FDR), the net profit margin (NPM), and the ratio of operating expenses to operating income (OEIR). The study population was 164 BPRS in Indonesia and samples taken randomly of 55 SRB with quarterly data for two years (2015-2016). It used multiple regression analysis with the help of programming SPSS version 17.0. The results showed NPF, FDR, and NPM variables significantly affects capital buffer while ROA and OEIR are not significant.

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Section: Profitability and Capital Buffermentioning

confidence: 96%

Section: Capital Buffermentioning

confidence: 99%

mentioning

confidence: 99%

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Factors determinant of bank capital buffer: empirical study on islamic rural banking in Indonesia

Sutrisno¹

2018

Proceedings of the 15th International Symposium on Management (INSYMA 2018)

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“…CAR menunjukkan rasio permodalan suatu bank, yang berfungsi untuk pengembangan usaha serta mengcover risiko kerugian operasional suatu bank. CAR bank yang semakin besar (di atas minimum) berfungsi untuk memitigasi risiko dari siklus bisnis (Haryanto, 2015). Bank dengan CAR yang semakin tinggi mengindikasikan kemampuan financial untuk mengembangkan usaha akan semakin tinggi.…”

Section: Pengaruh Car Terhadap Efisiensi Bankunclassified

Determinan Efisiensi Bank: Analisis Bank Di Indonesia

Haryanto¹

2018

AFRE

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This research analyzes the factors influencing bank efficiency. Bank efficiency is measured by BOPO. Predictable variable use risk, which is proxied with non performance loan (NPL), bank size, and CAR. Population in research is in national banking industry which go public in BEI, research period 2009-2016. Sampling technique used purposive sampling, with criterion of bank have go public before year 2008 and bank publish financial report year 2009-2016. The sample of research are 23 banks. The purpose of this study was to analyze the effect of bank risk, bank size and CAR to efficiency either simultaneously or partially. The analytical technique used multiple linear regression. The results showed simultaneously bank risk, bank size and CAR effect on efficiency. Risks, bank size and CAR affect the efficiency with negative direction. Scale of economics does not apply in the industry of national banks. Increasing the CAR as a countercyclical capital buffer (CCB) to control the occurrence of systematic risk can reduce credit growth, can impact the decrease in bank income. Abstraks DOI: 26.82017/JKP.2017.001 Penelitian ini menganalisis faktor yang mempengaruhi efisiensi bank. Efisiensi bank diukur dengan BOPO. Variabel prediktor digunakan risiko, yang diproksikan dengan non performance loans (NPL), ukuran bank, dan CAR. Populasi dalam penelitian adalah pada industri perbankan nasional yang go publik di BEI, periode penelitian 2009-2016. Teknik sampling digunakan purposive sampling, dengan kriteria bank tersebut telah go public sebelum tahun 2008 dan bank tersebut mempublikasikan laporan keuangan tahun 2009-2016. Sampel penelitian sebanyak 23 bank. Tujuan penelitian adalah untuk menganalisis pengaruh risiko bank, ukuran bank dan CAR terhadap efisiensi baik secara simultan maupun parsial. Teknik analisis yang digunakan regresi linear berganda. Hasil penelitian menunjukkan secara simultan risiko bank, ukuran bank dan CAR berpengaruh terhadap efisiensi. Risiko, ukuran bank dan CAR berpengaruh terhadap efisiensi dengan arah negatif. Scale of economics tidak berlaku di industri bank nasional. Peningkatan CAR sebagai countercyclical capital buffer (CCB) untuk mengendalikan terjadinya risiko sistematis dapat menekan pertumbuhan kredit, dapat berdampak penurunan pendapatan bank. ISSN (print) : 2598-7763 ISSN (online): 2598-7771

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“…Risiko kebangkrutan perusa-haan dengan aset yang relatif lebih besar akan cenderung lebih kecil dibandingkan dengan perusahaan dengan aset yang lebih kecil. Ukuran perusahaan berpengaruh negatif terhadap struktur modal (Christianti, 2006;Prabansari dan Kusuma, 2005;Wimelda dan Marlinah, 2013;Wiliandri, 2011;Fachrudin (2013); Sari, Djazuli dan Aisjah, 2013;Murhadi, 2011;Haryanto, 2015). Hipotesis penelitian dapat dirumuskan sebagai berikut: H3: Ukuran perusahaan berpengaruh terhadap struktur modal.…”

Section: Pengembangan Hipotesisunclassified

Identifikasi Struktur Modal Melalui Profitabilitas, Pertumbuhan Penjualan dan Ukuran Perusahaan

Chandrarin

Cahyaningsih

2018

AFRE

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This study aims to analyze the effect of profitability, sales growth and firm size on capital structure. The population of this research is basic industrial and chemical company which go public in Bursa Efek Indonesia. The observations are conducted in 2013-2016. The data source is taken from Indonesian Capital Directory Market (ICMD). Sampling technique used with purposive sampling. The sample size is 19 companies with 4 years observation period, so there are 76 observation data. Management in determining the source of financing will consider the cost or risk with a refund. In theory pecking order manajamen will expose the source of internal funding, external in the form of debt, then the issuance of shares. Profitability of the company during the year 2013-2016 shows positive. Sales increase except in 2015, where sales growth is negative. Company assets show an increase every year. Data analysis techniques use multiple linear regression. The results show that profitability and sales growth affect the capital structure. The size of the firm has no effect on the capital structure. The results support pecking order theory.

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Determinan Capital Buffer: Kajian Empirik Industri Perbankan Nasional

Cited by 9 publications

References 4 publications

Factors determinant of bank capital buffer: empirical study on islamic rural banking in Indonesia

Factors determinant of bank capital buffer: empirical study on islamic rural banking in Indonesia

Determinan Efisiensi Bank: Analisis Bank Di Indonesia

Identifikasi Struktur Modal Melalui Profitabilitas, Pertumbuhan Penjualan dan Ukuran Perusahaan

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