Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Perkreditan Rakyat (BPR) di Provinsi Jawa Timur

Sofyan, Mohammad

doi:10.33603/jibm.v3i1.2093

Cited by 18 publications

(31 citation statements)

References 4 publications

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“…The higher CAR, the stronger the company's ability to bear credit risk where ROA will be better and can increase company profits. The results of this study are in line with research conducted by Sofyan (2019) whose results indicate that CAR negatively affects ROA. The lower the CAR, the weaker the company's ability to bear credit risk.…”

Section: Methodssupporting

confidence: 91%

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The Effect of Capital Adequacy and Liquidity on Profitability in Food and Beverage Sub Sector Manufacturing Companies Listed on the Indonesia Stock Exchange (ISE) Period 2015-2018

Melani

Suroso

Musqori

2019

ijjm

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This study aims to analyze the effect of the independent variables on the dependent variable. The independent variables are Capital Adequacy (CAR) and Liquidity (CR) while the dependent variable is Profitability (ROA) in Food and Beverage Sub-Sector Manufacturing Companies Listed on the Indonesia Stock Exchange (ISE) for the period of 2015-2018. The sample in this study consisted of 8 companies listed on the Indonesia Stock Exchange (ISE) for 4 years in the 2015-2018 period. The data used in this study is to use the company's financial statement data published on the Indonesia Stock Exchange (ISE) website and the official website of each company. The data used are secondary data and the method used is panel data regression analysis with the help of the Eviews 9 program to obtain a comprehensive picture of the relationship between one variable with another variable. The results showed that CAR significantly influenced ROA, CR did not influence significantly ROA, CAR and CR simultaneously had an effect on ROA. The effect of CAR and CR on ROA of 92.47% while the remaining 7.33% is influenced by other factors not included in the research model.

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Section: Methodssupporting

confidence: 91%

“…In general, the value of a company's profitability can be used as an indicator to measure the performance of a company. Profitability in this study was measured using Return On Assets (ROA) (Sofyan, 2019). The profitability ratio also plays an important role in the company's financial position.…”

Section: Introductionmentioning

confidence: 99%

The Effect of Capital Adequacy and Liquidity on Profitability in Food and Beverage Sub Sector Manufacturing Companies Listed on the Indonesia Stock Exchange (ISE) Period 2015-2018

Melani

Suroso

Musqori

2019

ijjm

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“…A larger NPL value reflects an increase in non-performing loans that is borne by a RURAL BANK. The results of the study are in accordance with Berliana [17] and Taqiyya [15] which show non-performing loans can cause Rural Banks to lose their main income which comes from loan interest income. This research is different from the findings of Sofyan [18] that obtaining NPL does not have a significant effect on ROA because losses due to bad credit are borne by the capital owned by the bank.…”

Section: The Effect Of Npl On Roasupporting

confidence: 87%

“…Bank Indonesia Regulation Number 15/2/PBI/2013 states that a bank that has an NPL of more than 5 percent of total credit can endanger its business continuity [16]. Berliana [17] shows that the increased NPL value reflects the increasing number of non-performing loans that cannot be a profit for Rural Bank. Unlike Berliana [17], Sofyan's research [18] found that NPLs do not have a significant effect on ROA because losses due to non-performing loans can be borne by bank capital.…”

Section: Figure 1 Credit and Deposits Conventional Rural Banks In Indonesia For 2015-2019mentioning

confidence: 99%

The Influence of Internal Factors on the Conventional Rural Banks Profitability in Indonesia Period 2015-2019

Viana¹,

Purwanto²,

Hartawan³

2021

Proceedings of the 1st International Conference on Sustainable Management and Innovation, ICoSMI 2020, 14-16 September 2020, Bo

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During 2015During -2019, the number of conventional rural banks in Indonesia decreased from 1637 to 1578. This was followed by a decrease in profitability ratios which were proxied by Return on Assets (ROA). The decrease of profitability potentially endanger the continuity of rural banks business. This study aims to analyze the effect of internal factors consisting of capital, liquidity, efficiency, credit risk, and total assets of conventional rural banks on ROA. The data used is secondary data in the form of the financial ratio of 320 conventional rural banks in Indonesia in 2015-2019. This study uses panel data regression as analysis tool. The panel data regression results show that size (total assets) has a significant positive effect on ROA. Meanwhile, Operational Efficiency Ratio (BOPO) and Non-Performing Loan (NPL) have a significant negative effect on ROA. Capital Adequacy Ratio (CAR) and Loan to deposits Ratio (LDR) have no significant effect on ROA.

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“…The same is true for the banks, but for banks, in addition to increasing the company value, the banks have other interests by merging. The Bank's interest is to increase its capital, because banks are required to meet the capital adequacy ratio (CAR) set by Bank Indonesia (Sofyan, 2019).…”

Section: Introductionmentioning

confidence: 99%

The Effect of Mergers on Financial Performance PT. Bank Woori Saudara Indonesia 1906, Tbk

Maulana

Paramita

Syahiruddin

2019

ijjm

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The Mergers are carried out by the companies to get a number of benefits. Mutually beneficial conditions will occur if the merger activities carried out can create the synergy, which finally, it is expected to improve the company's performance. This study aims to determine whether the financial performance after the merger has changed or not. The financial ratios studied are financial ratios four years after the merger and before the merger. This research was conducted by quantitative methods, by taking data from PT. Bank Woori Saudara Indonesia 1906, Tbk, which has merged in 2014 and has engaged in banking financial services. Sampling in this study uses quota sampling. the data is obtained from one bank, that is, a bank which has merged. The parametric test used to answer the hypothesis in this study was the Paired Sample T-Test. The results of this study indicate that in partial testing of the seven financial ratios, there was a significant difference in the ratio of BR and EPS, while the CAR, TATO, NPM, ROI, and ROE ratios showed no significant differences. So the merger process carried out by banks does not show a significant difference because the synergy has not yet been achieved after the merger.

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Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Perkreditan Rakyat (BPR) di Provinsi Jawa Timur

Cited by 18 publications

References 4 publications

The Effect of Capital Adequacy and Liquidity on Profitability in Food and Beverage Sub Sector Manufacturing Companies Listed on the Indonesia Stock Exchange (ISE) Period 2015-2018

The Effect of Capital Adequacy and Liquidity on Profitability in Food and Beverage Sub Sector Manufacturing Companies Listed on the Indonesia Stock Exchange (ISE) Period 2015-2018

The Influence of Internal Factors on the Conventional Rural Banks Profitability in Indonesia Period 2015-2019

The Effect of Mergers on Financial Performance PT. Bank Woori Saudara Indonesia 1906, Tbk

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