Determinan Permodalan Bank Melalui Profitabilitas, Risiko, Ukuran Perusahaan, Efisiensi Dan Struktur Aktiva

Haryanto, Sugeng

doi:10.24914/jeb.v19i1.483

Cited by 11 publications

(18 citation statements)

References 11 publications

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“…Several previous studies measuring bank performance tended to be based on financial ratios, namely the concept of profitability (Fitriana, Rosyid, & Fakhrina, 2015;Gambacorta, 2017;Tarazi & Zedek, 2014;Haryanto, 2016;Thalib, 2016). Profitability is more proxied by Return on Assets (ROA), which compares the net income to bank assets.…”

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confidence: 99%

“…Several concepts and variables emerged as determinants of SGR from some previous researchers, namely LDR which is currently LFR as a proxy for liquidity (Atemnkeng & Nzongang, 2006;Yuliani, 2007;Respati & Yandono, 2008;Mintarti, 2009;Amouzesh et al, 2011;Ahmad, 2015;Firdausi, 2016;Haryanto, 2016;Thalib, 2016). Research (Zulkifli et al, 2018) on the determinants of LFR using 10 commercial banks on the Indonesia Stock Exchange with the 2011-2016 period with a total N sample of 60 observations found that the determinant of LFR was CAR and NPL while BOPO had no significant effect on LFR.…”

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Liquidity, asset quality, and efficiency to sustainable growth rate for banking at Indonesia Stock Exchange

Junaidi

Sulastri

Isnurhadi

et al. 2019

Jurnal Keuangan Dan Perbankan

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The focus of the bank to increase profit. However, the increase in profit is not important to focus on because the sustainability of growth is more important. Measure the level of sustainable growth is an important factor that needs attention as a reflection for the performance of a bank. The measurement uses the concept of growth called the Sustainable Growth Rate (SGR). This study aims to provide empirical evidence on the effect of liquidity proxy Loan to Funding Ratio (LFR), asset quality proxy by Non-Performing Loan (NPL) and efficiency proxy by Operating Cost to Operating Income (BOPO) toward SGR. The sampling technique is purposive based on the criteria so that the selected 22 banks with the study period 2012-2107. Unit analysis as much as 132 observations. The analysis of data using panel data regression. The findings of the study showed that LFR, NPL, and BOPO had a significant negative effect on SGR. The implications of research that SGR becomes important as it relates to the bank's strategy to continue to grow and continue in order to expand its business maximally while maintaining internal and external funding sources.

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confidence: 99%

Liquidity, asset quality, and efficiency to sustainable growth rate for banking at Indonesia Stock Exchange

Junaidi

Sulastri

Isnurhadi

et al. 2019

Jurnal Keuangan Dan Perbankan

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“…Sehingga kebijakan struktur modal akan berimplikasi pada kinerja perusahaan. Kebijakan struktur modal akan berdampak pada kinerja peru-sahaan (Subagyo, 2011;Nugraha, 2013;Komara, Hartoyo dan Andati, 2014;Haryanto, 2016).…”

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“…Penelitian yang menginvestigasi hubungan antara ukuran perusahaan antara lain dilakukan Haryanto (2016) menunjukkan bahwa ukuran perusahaan berpengaruh positif terhadap struktur modal perusahaan. Namun penelitian Christianti (2006) menunjukkan ukuran perusahaan berpengaruh negatif terhadap struktur modal.…”

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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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Analysis of Capital Adequacy in PT Bank Muamalat Indonesia Through Profitability, Financing Risk, and Cost Efficiency

Adetama,

Kusnendi,

Cakhyaneu

2021

RIEF

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Purpose - Capital is the main factor for a bank to be able to develop its business growth. The fulfillment of the Bank's Minimum Capital Ratio or known as CAR is determined by the BIS (Bank for International Settlement) at 8%. This study aims to determine and analyze the factors that affect the level of capital adequacy at Bank Muamalat Indonesia. The population in this study is all data on the financial statements of PT Bank Muamalat Indonesia for the period 20012-2019, which have been published on the official website of Bank Muamalat Indonesia, Bank Indonesia, and the Financial Services Authority. The sample in this study is quarterly financial report data on the CAR, ROA, NPF, and BOPO accounts in the financial statements of PT. Bank Muamalat Indonesia in the 2012-2019 period.Methodology - The method used in this research is the descriptive-explanatory method with multiple linear regression analysis. The dependent variable in this study is the Capital Adequacy Level. The independent variables in this study are Profitability Level (ROA), Financing Risk (NPF), and Cost Efficiency (BOPO).Findings - The study results show that the level of profitability and risk of financing has a significant effect on the level of capital adequacy at Bank Muamalat Indonesia. In contrast, the cost-efficiency variable has no significant effect. Partially shows the results that the level of profitability has a significant and significant effect on the level of capital adequacy in a positive direction, financing risk has a significant and significant effect on capital adequacy in a positive direction, and cost efficiency does not affect the amount of capital adequacy in a positive direction.Keywords - Capital Adequacy, Profitability, Financing Risk, Cost Efficiency

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Determinan Permodalan Bank Melalui Profitabilitas, Risiko, Ukuran Perusahaan, Efisiensi Dan Struktur Aktiva

Cited by 11 publications

References 11 publications

Liquidity, asset quality, and efficiency to sustainable growth rate for banking at Indonesia Stock Exchange

Liquidity, asset quality, and efficiency to sustainable growth rate for banking at Indonesia Stock Exchange

Identifikasi Struktur Modal Melalui Profitabilitas, Pertumbuhan Penjualan dan Ukuran Perusahaan

Analysis of Capital Adequacy in PT Bank Muamalat Indonesia Through Profitability, Financing Risk, and Cost Efficiency

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