Pengaruh Rasio Keuangan Camel Terhadap Kondisi Di Bank Perkreditan Rakyat Kabupaten Tabanan

Nuryadiputra, Nyoman Ariyoga

doi:10.24843/eeb.2019.v08.i09.p05

Cited by 3 publications

(4 citation statements)

References 8 publications

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“…Banking needs to be selective in extending credit because in addition to providing credit benefits in the form of interest income, lending that is not appropriate can also trigger problem loans. In contrast to the results of research conducted by Arifin (2017) which stated that LDR had a positive and significant effect on ROE and Nuryadiputra (2019) which stated that LDR had a positive and significant effect on ROE.…”

Section: Discussioncontrasting

confidence: 73%

Analysis of Financial Performance on Business Continuity of Islamic Credit Banks

2023

EJBM

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This study aims to examine and analyze the financial ratios included in Camel, namely CAR, NPL, NPM, and LDR as independent variables and one dependent variable which is proxied as the ROE ratio at Rural Banks in Kab. Tangerang which is registered with the Financial Services Authority (OJK). This type of research is quantitative using secondary data on annual financial reports. The population in this study amounted to 26 rural banks. Sampling using purposive sampling method. After sampling, the total number of BPRs was reduced to 23 BPRs that met the criteria to be included in the sample. This test was carried out by Descriptive Statistical Test, Classical Assumption Test (Normality Test, Multicollinearity Test, Autocorrelation Test, Heteroscedasticity Test) and Hypothesis Test using R2 Determinant Test, F Test and T test were processed using SPSS Software version 23. The results showed that CAR has a negative effect on ROE, NPL has no effect on ROE, NPM has a positive effect on ROE has a negative effect on ROE, and LDR has no effect on BPR performance proxied by ROE. This research is contributed to investors, companies and academics. However, this research still has some limitations, such as the object of research is only BPR Kab. Tangerang and not all camel ratios are used as variables. So for future researchers to be able to conduct research with broader objects such as national banks and add other camel ratios and or use other performance analysis methods such as Risk Profile, Good Corporate Governance, Earning and Capital (RGEC).

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Section: Discussioncontrasting

confidence: 73%

Analysis of Financial Performance on Business Continuity of Islamic Credit Banks

2023

EJBM

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“…CKPN has an important value for banks to anticipate the risk of FD due to funds channelled not returning (Rosita, 2021). Nuryadiputra (2019) shows that the CKPN fulfilment ratio has a positive and significant effect on the bank's bankruptcy probability. It is explained that the CKPN ratio is important as a cover for losses due to non-performing financing before bankruptcy occurs.…”

Section: Literature Reviewmentioning

confidence: 96%

“…It is evidenced by the FDR ratio value of less than 94.75%, so the potential for FD is low. Nuryadiputra (2019), Sholikhah (2018) and Purnomo (2020) show that the CKPN fulfilment ratio has a positive and significant effect on the probability of bankruptcy. It is explained that the CKPN ratio is important as a cover for losses due to non-performing financing before bankruptcy occurs.…”

Section: Introductionmentioning

confidence: 99%

The Role of Early Warning System Components in Financial Distress: Evidence from Indonesian Islamic Banks

Salsabila

Wicaksono

Shamakov³

2022

MIEC

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This study aims to utilize the Early Warning System (EWS) component to predict the condition of Islamic banks before bankruptcy. This study uses the springate score model to measure the Financial Distress (FD) condition of Islamic banks. Samples were taken from 13 Islamic Commercial Banks for the period 2016 - 2020. The EWS components are Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Financing Deposit to Ratio (FDR) and Allowance for Impairment Losses (CKPN). Based on the springate score calculation, the highest FD conditions occurred in 2019 and 2020 due to the COVID-19 pandemic. The logistic regression test results show that only the NPF ratio has a positive effect on FD. While the CAR, FDR and CKPN variables have no effect on FD. This proves that the CAR, FDR and CKPN ratios owned by Islamic banks are said to be good so as to keep away from FD conditions.

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“…Besarnya nilai Non Performing Loan (NPL) menunjukkan bahwa bank memiliki dana yang tidak dapat tertagih pada nasabah, yang memungkinkan bank mengalami kekurangan dana untuk melanjutkan operasionalnya, karena bank harus mencadangkan dana yang cukup besar untuk menutupi kredit macet tersebut. Tingginya utang yang tak tertagih dalam Non Performing Loan (NPL), mengakibatkan bank tidak memperoleh keuntungan dari pemberian kredit [15].…”

Section: Non Performing Loan (Npl)unclassified

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 Camel Terhadap Kondisi Di Bank Perkreditan Rakyat Kabupaten Tabanan

Cited by 3 publications

References 8 publications

Analysis of Financial Performance on Business Continuity of Islamic Credit Banks

Analysis of Financial Performance on Business Continuity of Islamic Credit Banks

The Role of Early Warning System Components in Financial Distress: Evidence from Indonesian Islamic Banks

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

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