Pengaruh Capital Adequacy Ratio (CAR) Terhadap Return On Aset (ROA)  Pada Bank Syariah

Mainata, Dedy; Ardiani, Addien Fahma

doi:10.21093/at.v3i1.960

Cited by 9 publications

(12 citation statements)

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“…The CAR ratio shows the bank's ability to provide funds for business development purposes and accommodate the possible risk of loss caused in bank operations under research [6]. According to [7], The ratio is obliged to meet the minimum capital to maintain bank liquidity and measuring the bank's capital adequacy in absorbing losses and complying with the CAR (Minimum Capital Adequacy Requirement).…”

Section: Capital Adequacy Ratio (Car)mentioning

confidence: 99%

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Comparison Analysis of LDR, NPL, ROA, CAR, and OER Before and During the Covid-19 Pandemic Period

Ayuni¹,

Situmorang²

2021

Advances in Economics, Business and Management Research

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This study aims to analyze the effect of the Covid-19 pandemics on the financial performance ratios of BPR Dana Nusantara Batam, the BPR with the best performance in the Riau Islands Province. In addition, this study uses Bank Indonesia Circular Letter No. 6/23/DPNP Year 2004 to categorize the achievement from the financial performing activities of the BPR. This research uses the case study method, followed by the analytical tool used on the SPSS Version 24, parametric statistics in the different T-tests, and nonparametric statistics through the Wilcoxon test. The results showed a significant difference in the performance of BPR Dana Nusantara in the context of achieving LDR and CAR before and during the pandemic. In contrast, the achievement of NPL, ROA, and OER did not experience significant differences. The LDR rises from the Good category to the Very Good category while NPL remains in a Good. Moreover, ROA remains in the Very Good, CAR remains in the Adequate, and OER remains in the Very Good criteria. As such, the financial performance ratios are in healthy condition, which concludes that the covid-19 pandemic did not bring a significant impact on the BPR Dana Nusantara Batam's operational activities.

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Section: Capital Adequacy Ratio (Car)mentioning

confidence: 99%

“…15.52 trillion, which is part of the relaxation given to customers of Rural Banks as well. It was disclosed directly by the OJK of the Riau Islands Province [7].…”

Section: Introductionmentioning

confidence: 99%

Comparison Analysis of LDR, NPL, ROA, CAR, and OER Before and During the Covid-19 Pandemic Period

Ayuni¹,

Situmorang²

2021

Advances in Economics, Business and Management Research

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“…Several previous studies discussed the effect of CAR on the performance of Islamic banks with ROA proxies getting different results. CAR has a positive effect on ROA according to research from Rivandi & Gusmariza (2021) and Mainata & Ardiani (2017). However, this is different from research from Das et al (2020)which results that CAR has no effect on ROA in Islamic banks.…”

Section: Capital Adequacy Ratio (Car) Affects Return On Assetsmentioning

confidence: 81%

Impact of Covid-19 on Financial Performance of Sharia Bank in Indonesia

Trisasmita¹

2021

jefms

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The Islamic Banking Industry has a strategic role in people's economic development.This study aims to analyze the effect of CAR, NPF, FDR, and BOPO on the performance of Islamic banks in Indonesia during the Covid-19 pandemic, using Good Corporate Governance moderation. The total sample of research data during the study period was 60 observational data. This research was conducted using the Moderated Regression Analysis (MRA) method. Based on the results of the data test, it was found that the capital adequacy ratio and BOPO variables had a positive and significant effect on the performance of Islamic banks. The non-performing financing variable has no effect on the performance of Islamic banks. The variable Financing to Deposit Ratio has a negative and significant effect on the performance of Islamic Banks. Good Corporate Governance as measured by the size of the Board of Commissioners and proven to moderate the influence of the Capital Adequacy Ratio and BOPO variables on the performance of Islamic Banks. Good Corporate Governance as measured by the size of the Board of Commissioners is proven to moderate the influence of the Non Performing Financing variable on the performance of Islamic Banks, but moderate the influence of the Financing to Deposit Ratio variable on the performance of Islamic Banks.

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“…Capital is a very important factor for banks to develop their business and continue operational activities. After Islamic banks carried out their operational activities, the Minimum Capital Adequacy Requirement (CAR) provisions were enforced (Mainata & Ardiani, 2017). CAR is a tool for assessing and measuring the ratio of capital to the soundness level of the bank.…”

Section: Literature Reviewmentioning

confidence: 99%

Internal Factor Attribute in Islamic Banks: Which Ones Contribute to Profit Distribution? Evidence From Muamalat Bank

Iswanto

Sabna²,

Yuliani³

et al. 2023

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Competition between financial institutions will have a positive and negative impact on the development of a bank. In this case, the existence of Bank Muamalat Indonesia as the first pioneer of banks operating with Sharia principles for 30 years needs to be assessed for its financial performance. This study aims to determine and analyze the effect of the ratio of CAR, ROA, FDR, NPF, and BOPO on Profit Distribution Management at Bank Muamalat Indonesia for the 2014-2021 period. The data used in this study includes data on Bank Muamalat Indonesia's quarterly financial statements from 2014 to 2021. The statistical test method used to analyze data in this study is Multiple Regression Analysis. The results of this study show that the ratio of ROA and FDR has a significant effect on Profit Distribution Management, while the ratio of CAR, NPF, and BOPO does not have a significant effect on Profit Distribution Management. Simultaneously, the ratio of CAR, ROA, FDR, NPF, and BOPO affects Profit Distribution Management. This research has several implications for bank policy regarding the importance of maintaining financial performance ratios and opinions through increasing bank financing disbursements and optimizing Profit Distribution Management.

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Pengaruh Capital Adequacy Ratio (CAR) Terhadap Return On Aset (ROA) Pada Bank Syariah

Cited by 9 publications

References 0 publications

Comparison Analysis of LDR, NPL, ROA, CAR, and OER Before and During the Covid-19 Pandemic Period

Comparison Analysis of LDR, NPL, ROA, CAR, and OER Before and During the Covid-19 Pandemic Period

Impact of Covid-19 on Financial Performance of Sharia Bank in Indonesia

Internal Factor Attribute in Islamic Banks: Which Ones Contribute to Profit Distribution? Evidence From Muamalat Bank

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