Pengaruh Kecukupan Modal (CAR), Pengelolaan Kredit (NPL), dan Likuiditas Bank (LDR) Terhadap Probabilitas Kebangkrutan Bank (Studi pada Bank Umum Swasta Devisa yang tercatat di BEI tahun 2009 – 2013)

Hidayati, Lina Nur

doi:10.21831/jim.v12i1.11741

Cited by 14 publications

(19 citation statements)

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“…It indicated that the bank had complied with the provision of Bank Indonesia so it could be said that conventional commercial banks already had very strong capital. This study supported researches conducted by Sumantri & Jurnali (2010), Nugroho (2012), Hidayati (2015), and Prasidha & Wahyudi (2015)…”

Section: Discussionsupporting

confidence: 89%

“…This study supported Prasidha & Wahyudi's (2015) study which found that LDR could not be used to predict the occurrence of troubled conditions of banks. This research was not in line with the researches done by Prajitno (2009), Sumantri & Jurnali (2010), Nugroho (2012) and Hidayati (2015).…”

Section: Discussioncontrasting

confidence: 84%

“…CAR ratio is the capital adequacy ratio which is owned by banks. Research conducted by Hidayati (2015) has shown that the CAR has negative and not significant to the bank's collapse. Prasidha Wahyudi (2015) also provide evidence that CAR cannot be used to predict bank troubled conditions.…”

Section: |mentioning

confidence: 99%

“…The research result conducted by Sumantri & Jurnali (2010) and Nugroho (2012) proved that NPL had no effect on bank insolvency. Zaghdoudi 2013, Hidayati (2015) indicated that NPL had a positive and insignificant influence on bank bankruptcy potential. This is contrary to research conducted by Hilmy et al (2013) that proved NPL had a significant negative effect on bank bankruptcy in Malaysia.…”

Section: |mentioning

confidence: 99%

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The Application of Risk Based Bank Rating on Bankruptcy Prediction of Banks in Indonesia

Sistiyarini

Supriyono²

2017

Jurnal Keuangan Dan Perbankan

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The increase of banking products and services which is more complex will increase the risk to the banks. Therefore, to anticipate the rise of financial difficulties in a bank, the early warning system. This study aimed to find the influence RBBR (Risk Based Bank Rating) ratio's to predict bankruptcy of conventional Banks in Indonesia. Ratio of RBBR consisted of risk profile, Good Corporate Governance, profitability and capital. Independent variables used were NPL, PDN, LDR, GCG, ROA and NIM, and CAR. Dependent variable was bank bankruptcy using dummy variable. The population of this study was all of the conventional banks in Indonesia. The data was a secondary data taken form financial report of conventional bank 2011-2015. Technical sampling used was a purposive sampling method with some criteria. The analysis of this study used logistic regression. The result of the study showed that NPL, PDN, LDR, GCG, ROA and NIM, and CAR had no significant influence to bankruptcy of the bank. ABSTRAK Meningkatnya risiko usaha yang dihadapi oleh bank, dapat menyebabkan bank mengalami masalah kesulitan keuangan yang berpotensi pada kebangkrutan bank. Oleh karena itu, untuk mengantisipasi munculnya kesulitan keuangan di bank, maka diperlukan sistem peringatan dini (Early Warning System) Penelitian ini bertujuan untuk menguji pengaruh rasio-rasio RBBR (Risk Based Bank Rating) dalam memprediksi kebangkrutan bank umum konvensional. RBBR terdiri dari profil risiko, Good Corporate Governance, rentabilitas dan permodalan. Variabel independen yang digunakan dalam penelitian ini adalah rasio NPL, PDN, LDR, GCG, ROA dan NIM, dan CAR. Sedangkan variabel dependen yang digunakan adalah kebangkrutan bank dengan variabel dummy. Populasi dalam penelitian ini adalah semua bank umum konvensional. Sampel penelitian diambil dengan metode purposive sampling. Teknik analisis yang digunakan adalah teknik analisis regresi logistik. Hasil penelitian menunjukkan bahwa variabel NPL, PDN, LDR, GCG, ROA dan NIM, dan CAR tidak berpengaruh terhadap kebangkrutan bank.

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Section: Discussionsupporting

confidence: 89%

Section: Discussioncontrasting

confidence: 84%

Section: |mentioning

confidence: 99%

Section: |mentioning

confidence: 99%

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The Application of Risk Based Bank Rating on Bankruptcy Prediction of Banks in Indonesia

Sistiyarini

Supriyono²

2017

Jurnal Keuangan Dan Perbankan

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“…the NPL ratio can be used to predict Financial Distress [4], and CAR can be used to predict Financial Distress [5]. Although there are studies that CAR, GCG, LDR, and NPL did not affect the condition of the Financial Distress [6], NPL and LDR affected Financial Distress [7], whereas the CAR, NPL and LDR ratio did not affect Financial Distress [8]. One of the studies regarding the application of the Bankometer Model in Islamic Banking and Conventional Banking companies, the results of which showed that the Bankometer Model could be used to predict Financial Distress [9].…”

Section: Introductionmentioning

confidence: 99%

Determination of Bankometer and RGEC Models to Predict Financial Distress on Sharia Banks in Indonesia

Africa¹

2019

Proceedings of the Proceedings of the 1st International Conference on Business, Law and Pedagogy, ICBLP 2019, 13-15 February 20

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Banking is a collection of several functions of the Bank, which is a financial institution that has financial assets as its wealth and has profit motives and social. Banking institutions also do not rule out the possibility of experiencing financial distress; financial distress is declining phases that happen before liquidation. This research aimed to analyze the Bankometer, and RGEC Model can be used to predict financial distress on Sharia Banks in Indonesia. This research is a quantitative study using 110 financial report data and using logistic regression for analyzing the data. The results show that the Bankometer Model can be used to predict financial distress and RGEC model can be used are the variable NPL, GCG, ROA, and CAR. This research implies that it can be used by Sharia banking determining policies for an early warning before the bankruptcy of a company to avoid liquidation.

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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 Kecukupan Modal (CAR), Pengelolaan Kredit (NPL), dan Likuiditas Bank (LDR) Terhadap Probabilitas Kebangkrutan Bank (Studi pada Bank Umum Swasta Devisa yang tercatat di BEI tahun 2009 – 2013)

Cited by 14 publications

References 0 publications

The Application of Risk Based Bank Rating on Bankruptcy Prediction of Banks in Indonesia

The Application of Risk Based Bank Rating on Bankruptcy Prediction of Banks in Indonesia

Determination of Bankometer and RGEC Models to Predict Financial Distress on Sharia Banks in Indonesia

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

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