Pengaruh Capital Adequacy Ratio Dan Non Performing Loan Terhadap Kinerja Keuangan Perbankan Yang Terdaftar Di Bei

Efriyenty, Dian

doi:10.30596/jrab.v20i2.5309

Cited by 3 publications

(4 citation statements)

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“…Based on the research results of Edwar Yokeu Bernardin (2016), Ni'mah (2019) and Astohar (2016) the CAR variable has a positive and significant effect on ROA. These results contradict the research conducted by Rahmah (2018) and Efriyenty (2020) that the CAR variable does not show a significant effect on Profitability (ROA); and research by Nurvarida (2017) that the CAR variable has a significant negative effect on ROA.…”

Section: Introductioncontrasting

confidence: 79%

The Influence of Capital Adequacy Ratio, Net Interest Margin and Operational Costs of Operating Revenue on Return on Asset With Loan Todeposit Ratio as Intervening Variable

Puji Lestari,

Fitri Wahyuni,

Seno Affandi

2022

MORFAI

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Research Problems: To further increase the existence of conventional banks and the trust of the Indonesian people in conventional banking services, it is necessary to improve the performance of conventional banking. The problems in this study are whether CAR, NIM, BOPO and LDR have a significant effect on ROA; Do CAR, NIM, and BOPO have a significant effect on LDR; and whether CAR, NIM and BOPO have a significant effect on ROA through LDR as an intervening variable. Research purposes: To find out how much influence CAR, NIM, BOPO and LDR have on ROA; to find out how much influence CAR, NIM, and BOPO have on LDR; and to find out how much influence CAR, NIM and BOPO have on ROA through LDR as an intervening variable. Research methods: This type of research is quantitative research with a descriptive approach. The object of this research is a commercial bank listed on the Indonesia Stock Exchange (IDX) for the 2015-2019 period. The sample in this study was 10 conventional commercial banks, which were selected based on the purposive sampling method. Data analysis technique using multiple linear regression analysis. Research Findings: Partially there is no significant effect of the CAR variable on the LDR, there is a significant negative effect of the NIM variable on the LDR; and there is a significant positive effect of BOPO on LDR; there is an insignificant negative effect of the CAR variable on ROA, there is a significant positive effect of the NIM variable on ROA, there is no significant effect of the BOPO and LDR variables on ROA. Simultaneously CAR, NIM, BOPO have a positive and significant effect on LDR and CAR, NIM, BOPO and LDR have a positive and significant effect on ROA. LDR is the intervening variable of CAR on ROA, because the number of direct effects of CAR on ROA is smaller, but LDR is not an intervening variable of NIM and BOPO on ROA because the number of direct effects of NIM and BOPO on ROA is greater than the indirect effect.

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Section: Introductioncontrasting

confidence: 79%

The Influence of Capital Adequacy Ratio, Net Interest Margin and Operational Costs of Operating Revenue on Return on Asset With Loan Todeposit Ratio as Intervening Variable

Puji Lestari,

Fitri Wahyuni,

Seno Affandi

2022

MORFAI

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“…Sathyamoorthi et al (2020) found that the Debt to Assets Ratio (DAR) had a negative and insignificant effect on profitability (ROA), while the Debt to Equity Ratio (DER) had a positive and insignificant effect on profitability (ROE). Other research by Efriyenty (2020); Khalifaturofi'ah (2021); Pratiwi and Kurniawan (2018) found that solvency risk proxied by the Capital Adequacy Ratio (CAR) has a positive and significant effect on financial performance as proxied using Return on Assets (ROA). However, these findings contradict the findings of Sriyana (2015) who found that solvency risk proxied by the Capital Adequacy Ratio (CAR) had a negative and significant effect on financial performance as proxied using Return on Assets (ROA).…”

Section: The Influence Of Solvency Risk On Profitabilitymentioning

confidence: 99%

“…A high capital adequacy level will signal profitability positively because it can withstand financial declines and handle a certain number of losses before risking bankruptcy. (Efriyenty, 2020;Khalifaturofi'ah & Nasution, 2016). In addition, CAR has a negative effect on ROE, meaning that the higher the CAR, the higher the idle funds.…”

Section: The Influence Of Solvency Risk On Profitabilitymentioning

confidence: 99%

Financial Technology in Indonesia: Effect of Risk on Financial Performance in Peer-To-Peer Lending

Putri¹,

Wibisono²

2022

KINERJA

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This study aims to acquire empirical evidence related to the effect of risk on financial performance in peer-to-peer lending in Indonesia. By exploring the financial statements throughout 2019-2020. The test uses a panel data regression model, the Common Effect Model as the selected estimation regression model. Financial risk is measured by Operating Income Operating Expenses (BOPO), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), and Capital Adequacy Ratio (CAR). In contrast, financial performance is measured by Return on Assets (ROA) and Return on Equity (ROE). The results of this study showed that the solvency risk projected by DAR, DER, and CAR had proven to influence the profitability of peer-to-peer lending in Indonesia projected by both ROA and ROE.

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“…Sabrina dan Lukman (2019) menemukan bahwa laporan keberlanjutan (sustainability report) bukan merupakan faktor penentu kinerja keuangan sektor perbankan. Bukti lain dari Efriyenty (2020) menunjukkan bahwa capital adequacy ratio tidak signifikan berdampak pada profitabilitas (return on assets) sektor perbankan, dan sebaliknya non-performing loan berdampak negatif. Anggiani et al (2020) menemukan bahwa kenaikan profitabilitas merupakan pemicu meningkatnya harga saham di pasar saham dan sebaliknya untuk rasio efisiensi operasional.…”

Section: Kajian Literaturunclassified

Analisis kinerja pengembalian saham perbankan di Indonesia

Mea,

Garus

2024

RAMP

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In early March 2023, banking liquidation in the US will become an important issue in world capital markets. This study aims to analyze risk-return performance throughout the issue period. This study uses 45 issuers registered in the banking sector. The observation period was carried out from 7 February 2023 to 6 April 2023 with cut-off points of 7 March 2023 and 8 March 2023. The findings of this study show that the performance of stock returns in the period before the liquidation issue tended to be better than in the period after the issue. In the period following the issue of banking liquidation in the US, average stock returns were lower but accompanied by high market risk. This indicates that an increase in risk tends to be accompanied by a decrease in stock returns.

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Pengaruh Capital Adequacy Ratio Dan Non Performing Loan Terhadap Kinerja Keuangan Perbankan Yang Terdaftar Di Bei

Cited by 3 publications

References 0 publications

The Influence of Capital Adequacy Ratio, Net Interest Margin and Operational Costs of Operating Revenue on Return on Asset With Loan Todeposit Ratio as Intervening Variable

The Influence of Capital Adequacy Ratio, Net Interest Margin and Operational Costs of Operating Revenue on Return on Asset With Loan Todeposit Ratio as Intervening Variable

Financial Technology in Indonesia: Effect of Risk on Financial Performance in Peer-To-Peer Lending

Analisis kinerja pengembalian saham perbankan di Indonesia

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