Loan to Deposit Ratio, Risiko Kredit, Net Interest Margin  dan Profitabilitas Bank

Haryanto, Sugeng; Aristanto, Eko; Assih, Prihat; Aripin, Zaenal; Bachtiar, Yanuar

doi:10.26905/afr.v4i1.6154

Cited by 3 publications

(3 citation statements)

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“…This is not in accordance with legitimacy theory which encourages companies to ensure that the company's activities and performance can be accepted by society. ESG Disclosure can be used by companies to prove that the company has carried out its social and environmental responsibilities (Haryanto et al, 2021).…”

Section: Variablementioning

confidence: 99%

Trend Analysis Of ESG Disclosure On Green Finance Performance In Indonesia, Malaysia & Singapore Exchanges

Aulia

Febriyanti²,

Umi³

2023

jak

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Green Finance in the banking sector is a new issue in the financial world because it is considered capable of increasing economic growth, by conserving natural resources so that economic development continues to be sustainable. This study aims to determine what factors affect financial performance in disclosing ESG items, so that company management can imply the results of this study which are expected to provide direct or indirect benefits for companies in the banking sector. The author collects independent variables related to the research, namely operational performance, financial performance, with firm value as an intervening variable. The population of this study is the banking sector companies listed on the Indonesia, Malaysia and Singapore Stock Exchanges. This study uses quantitative methods with secondary data using multivariate analysis with a structural equation modeling-partial least square (SEM-PLS) approach. The main challenge in implementing green investment is the lack of incentives from the government and stakeholders. This is indicated by the results of the H1 study; H3; H4; H6; H7 has a significant result because it has a p value below 0.05. While H2; H3; H5; H8; H9; H10 has an insignificant result because it has a p value above 0.05. Responding to the challenges of sustainable finance requires policy tools from various relevant ministries and institutions. Suggestions for future researchers are to try to re-examine using other test tools, such as SPSS or eviews.

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Section: Variablementioning

confidence: 99%

Trend Analysis Of ESG Disclosure On Green Finance Performance In Indonesia, Malaysia & Singapore Exchanges

Aulia

Febriyanti²,

Umi³

2023

jak

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“…Non-Performing Loans (NPL) or Non-Performing Financing (NPF) serve as indicators of the health of financing or loan portfolios. A higher NPL/NPF rate signifies increased credit (financing) risk for a bank (Iqbal, 2017;Putri et al, 2018;and Haryanto et al, 2021), which can impact the bank's profitability. Consequently, banks strive to maintain NPLs below the 5% maximum limit set by Bank Indonesia.…”

Section: Introductionmentioning

confidence: 99%

Determinants of Risk in Indonesian Islamic Banking: An Empirical Investigation

Haryanto,

Safriliana,

Ridloah

et al. 2024

SJEKI

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Islamic banking has witnessed significant growth globally, including in Indonesia, with expansions in both fund mobilization and financing activities. This study analyzes the determinants of risk in Indonesian Islamic banks from 2009 to 2022, focusing on the effects of financing-to-deposit ratio (FDR), financing growth, efficiency, company size, capital adequacy ratio (CAR), and third-party fund (DPK), on non-performing financing (NPF). Utilizing unbalanced panel data and multiple linear regression, the research finds that financing growth and efficiency have negligible effects on risk. In contrast, FDR, company size, CAR, and DPK significantly influence it. Higher FDR is linked to increased risk, while larger banks and higher CAR are associated with reduced risk. The results suggest that Islamic banks should balance financing and deposits to manage risk effectively and emphasize the importance of efficient operations and sustainable growth. This research is limited to the internal aspects of banks as determinants of FDR. Future research could examine external factors and alternative risk measures to deepen the understanding of risk in Islamic banking.==============================================================================================================ABSTRAK – Determinan Risiko Perbankan Syariah di Indonesia: Suatu Kajian Empiris. Perbankan syariah mengalami pertumbuhan yang signifikan secara global, termasuk di Indonesia, terutama dalam hal mobilisasi dana dan aktivitas pembiayaan. Studi ini menganalisis faktor-faktor penentu risiko pada perbankan syariah di Indonesia periode 2009 - 2022. Secara spesifik, kajian ini menguji pengaruh FDR, pertumbuhan pembiayaan, efisiensi, ukuran perusahaan, CAR dan DPK terhadap pembiayaan bermasalah. Dengan menggunakan data panel tidak seimbang (unbalance) dan regresi linier berganda, penelitian ini menemukan bahwa pertumbuhan pembiayaan dan efisiensi tidak memiliki pengaruh yang signifikan terhadap risiko. Sebaliknya, FDR, ukuran perusahaan, CAR, dan DPK memberikan pengaruh yang signifikan terhadapnya. FDR berkorelasi positif dengan peningkatan risiko, sementara ukuran perusahaan dan CAR berkorelasi negatif dengan pengurangan risiko. Kajian ini menyarankan agar bank-bank syariah menyeimbangkan antara pembiayaan dengan simpanan sehingga dapat mengelola risiko secara efektif dengan penekanan pada efisiensi operasional dan pertumbuhan berkelanjutan. Penelitian ini dibatasi pada aspek internal bank sebagai determinan FDR. Penelitian selanjutnya dapat mengkaji faktor-faktor eksternal dan ukuran risiko alternatif untuk memperdalam pemahaman tentang risiko dalam perbankan syariah.

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“…studies, which state that the loan-to-deposit ratio has a significant effect on return on assets (Muttaqien, 2020) (Bachtiar, 2021) (Lestari, 2020).…”

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confidence: 99%

The Effect of Car, Nim, Bopo, and LDR on Roa in Bumn Banks in the Period 2013-2022

Agnes Thandania Blessky,

Herlin Munthe,

Bayu Wulandari

et al. 2023

IJAMESC

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This study aims to see the effect of CAR (Capital Adequacy Ratio), NIM (Net Interest Margin), BOPO (Operating et al.), and LDR (Loan to Deposit Ratio) on ROA (Return on Assets) in BUMN Banks in the period 2013 - 2022. The data source for this research is secondary through the websites of each company listed on the Indonesia Stock Exchange. The population used in this study The population in this study are state-owned banks listed on the Bursa Efek Indonesia (BEI). The sample in this study is the financial statements of state-owned banks, namely Reports on Calculation of CAR, NIM, BOPO, LDR, and ROA financial ratios for 2013-2022, a total of 40 samples. The analysis technique used is R Square analysis and Path Analysis. The results of the study show that NIM and LDR have a positive effect on ROA. CAR and BOPO hurt ROA, while CAR, NIM, BOPO, and LDR affect ROA in R Square.

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Loan to Deposit Ratio, Risiko Kredit, Net Interest Margin dan Profitabilitas Bank

Cited by 3 publications

References 0 publications

Trend Analysis Of ESG Disclosure On Green Finance Performance In Indonesia, Malaysia & Singapore Exchanges

Trend Analysis Of ESG Disclosure On Green Finance Performance In Indonesia, Malaysia & Singapore Exchanges

Determinants of Risk in Indonesian Islamic Banking: An Empirical Investigation

The Effect of Car, Nim, Bopo, and LDR on Roa in Bumn Banks in the Period 2013-2022

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