Pengaruh Rasio Camel Terhadap Financial Distress Pada Perusahaan Perbankan di Indonesia

Pratiwi, Trie Sartika; Hidayat, Muhammad; Siregar, Muhammad Ichsan

doi:10.31851/jmwe.v19i2.8941

Cited by 3 publications

(9 citation statements)

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“…Banks that have sufficient capital are indicated by an increase in the CAR value which will have an impact on the low potential for financial difficulties. The previous statement is supported by research by Buchdadi et al (2020) and Pratiwi et al (2022) which states that CAR has a negative effect on financial distress. However, research by Ermar & Suhono (2021) and Pramesti (2022) states that CAR has no effect on financial distress.…”

Section: Literature Reviewmentioning

confidence: 82%

“…Capital Adequacy Ratio (CAR), which is usually called the capital adequacy ratio, is a ratio that shows the bank's ability to provide funds for business development purposes and accommodate the risk of fund losses due to bank operational activities (Kareem et al, 2022). The research results of Buchdadi et al (2020) and Pratiwi et al (2022) shows that CAR has a negative effect on financial distress. This is different from the research results of Ermar & Suhono (2021), which found that CAR had no effect on financial distress.…”

Section: Introductionmentioning

confidence: 95%

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The Effect of Financial Performance on Financial Distress

Azizah,

Lismawati

2024

JIAKES

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This study aims to examine the effect of financial performance on financial distress with corporate governance as a moderating variable in banking companies listed on the Indonesia Stock Exchange (IDX) for the 2020-2022 period. The purposive sampling method was used in determining the research sample, so there were 42 companies and a total of 126 samples. The data analysis technique uses multiple linear regression analysis. The results of this study are capital adequacy and profitability have a negative effect on financial distress. Meanwhile, credit risk and corporate governance have a positive effect on financial distress. In addition, corporate governance is unable to strengthen and weaken the relationship of capital adequacy and credit risk to financial distress. However, the relationship between profitability and financial distress is weakened by corporate governance as moderation.

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Section: Literature Reviewmentioning

confidence: 82%

Section: Introductionmentioning

confidence: 95%

The Effect of Financial Performance on Financial Distress

Azizah,

Lismawati

2024

JIAKES

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“…Non Performing Loan (NPL) merupakan kredit macet atau kredit bermasalah yang menyebabkan kerugian bagi bank karena kredit yang diberikan tidak dapat dikembalikan lagi. NPL digunakan untuk mengukur kualitas dari kredit dengan melakukan perbandingan kredit bermasalah dengan total kredit yang ada [9]. Rasio NPL menjadi salah satu rasio yang digunakan dalam mengukur kualitas aktiva bank [7].…”

Section: Non Performing Loan (Npl)unclassified

“…Loan to Deposits Ratio (LDR) adalah rasio yang digunakan dalam mengukur perbandingan antara total kredit yang diberikan oleh bank dengan kemampuan bank dalam membayar kembali penarikan dana yang dilakukan oleh nasabah penabung denan mengandalkan kredit yang diberikan sebagai sumber dari likuiditasnya [10]. Dengan adanya pengukuran rasio dari Loan to Deposits Ratio (LDR) ini akan mengetahui tingkat kemampuan bank dalam hal menyalurkan dana pihak ketiga yang dihimpun oleh bank bersangkutan [9]. Peningkatan Loan to Deposits Ratio (LDR) berarti penyaluran dana ke pinjaman semakin besar sehingga laba akan meningkat.…”

Section: Loan To Deposit Ratio (Ldr)unclassified

“…Hubungan Non Performing Loan (NPL) terhadap Return on Asset (ROA) Non Performing Loan (NPL) merupakan kredit macet atau kredit bermasalah yang menyebabkan kerugian bagi bank karena kredit yang diberikan tidak dapat dikembalikan lagi. NPL digunakan untuk mengukur kualitas dari kredit dengan melakukan perbandingan kredit bermasalah dengan total kredit yang ada [9]. Selain itu semakin tingginya rasio NPL, maka akan semakin buruknya kualitas kredit bank dan bank harus menanggung kerugian dalam kegiatan operasionalnya sehingga berpengaruh terhadap penurunan Return on Asset [16].…”

Section: Hubungan Capital Adequacy Ratio (Car) Terhadap Return On Ass...unclassified

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Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan To Deposit Ratio (LDR) Dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Return On Asset (ROA) Pada Bank Perkreditan Rakyat (BPR) di Kota Batam

Saputra,

Angriani

2023

JAM

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This study aims to determine the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Operational Costs Operating Income (BOPO) on Return on Asset (ROA) of rural banks in Batam City. Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Operational Costs Operating Income (BOPO) and Return on Asset (ROA) are measured from the financial statements provided on Otoritas Jasa Keuangan (OJK) website. The population used in this study was rural banks in Batam City period 2017-2021. This study used 26 companies with purposive sampling as research sample. The analysis technique used is multiple linear regression analysis. The result of this study indicate that partially Non-Performing Loans (NPL), Net Interest Margin (NIM) and Operational Costs Operating Income (BOPO) have a significant effect on Return on Assets (ROA), while the Capital Adequacy Ratio (CAR) and Loan to Deposits Ratio (LDR) have no significant effect on Return on Assets (ROA). Simultaneously, Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposits Ratio (LDR), and Operational Costs Operating Income (BOPO) have a significant effect on Return on Assets (ROA).

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Pengaruh Rasio Keuangan Perbankan Dalam Memprediksi Financial Distress Pada Perusahaan Sektor Perbankan Periode 2020-2022

2023

Kurs

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This research aims to find out and analyze whether there is an influence of banking financial ratio on the occurrence of financial distress conditions. In calculating financial distress indicators used in this study, namely the Altman Z-Score method which is modified with independent variables, namely CAR, LDR, NIM, and ROE. This research is also used to assess whether the bank's condition is healthy or not. The hypothesis test used is multiple linear regression analysis that gives the result that CAR, LDR, and ROE do not have a significant influence on financial distress and NIM has a significant influence on financial distress in banks registered in IDX for the 2020-2022 period.

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Pengaruh Rasio Camel Terhadap Financial Distress Pada Perusahaan Perbankan di Indonesia

Cited by 3 publications

References 0 publications

The Effect of Financial Performance on Financial Distress

The Effect of Financial Performance on Financial Distress

Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan To Deposit Ratio (LDR) Dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Return On Asset (ROA) Pada Bank Perkreditan Rakyat (BPR) di Kota Batam

Pengaruh Rasio Keuangan Perbankan Dalam Memprediksi Financial Distress Pada Perusahaan Sektor Perbankan Periode 2020-2022

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