2017
DOI: 10.13189/aeb.2017.050702
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The Influence of Risk Management to the Return on Asset (ROA) Banking Sector (Case Study of Bank in Indonesia Listed in Indonesia Stock Exchange)

Abstract: As companies in general, commercial banks in the operational as well have a goal to be able to get the maximum profit. Therefore, banks must maintain its financial ratios adjusted for the decision of Bank Indonesia as well as maintain its performance in order to remain trusted by customers in the economic activities. This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), Net Interest Margin (NIM) an Operating Expenses to Operating Income R… Show more

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Cited by 11 publications
(12 citation statements)
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“…The results of previous studies state that the higher the CAR ratio, the rural bank profitability increases, so that the capital of a bank can be said to be stronger (Agustini & Budiasih, 2014). But the results of different studies show that CAR variables have no significant effect on ROA (Winarso & Salim, 2017). Different results also state that CAR has a negative and significant effect on ROA (Wardana & Widyarti, 2015).…”
Section: Literature Reviewmentioning
confidence: 99%
“…The results of previous studies state that the higher the CAR ratio, the rural bank profitability increases, so that the capital of a bank can be said to be stronger (Agustini & Budiasih, 2014). But the results of different studies show that CAR variables have no significant effect on ROA (Winarso & Salim, 2017). Different results also state that CAR has a negative and significant effect on ROA (Wardana & Widyarti, 2015).…”
Section: Literature Reviewmentioning
confidence: 99%
“…CAR adalah rasio yang memperlihatkan seberapa besar jumlah seluruh aktiva bank yang mengandung unsur risiko yang ikut dibiayai dari modal sendiri bank, disamping memperoleh dana-dana dari sumber-sumber lain (Dendawijaya, 2009 Hasil penelitian terdahulu menyatakan bahwa semakin tinggi rasio CAR maka profitabilitas BPR semakin meningkat, sehingga permodalan suatu bank bisa dikatakan semakin kuat (Agustini & Budiasih, 2014). Namun hasil penelitian yang berbeda menunjukkan bahwa peubah CAR tidak berpengaruh signifikan terhadap ROA (Winarso & Salim, 2017). Hasil berbeda juga menyatakan bahwa CAR berpengaruh negatif dan signifikan terhadap ROA (Wardana & Widyarti, 2015)…”
Section: Capital Adequacy Ratio (Car)unclassified
“…Dimana peningkatan LDR akan mendorong tingginya ROA (Agustini & Budiasih, 2014). Sedangkan hasil yang berbeda menyatakan bahwa LDR tidak berpengaruh signifikan terhadap ROA (Winarso & Salim, 2017.…”
Section: Loan To Deposit Ratio (Ldr)unclassified
“…CAR dan profitabilitas perbankan syariah CAR digunakan untuk menilai kemampuan bank untuk menanggung resiko yang akan terjadi. Apabila CAR dalam suatu perbankan tinggi, menunjukkan bahwa perbankan tersebut memiliki ekuitas yang lebih besar untuk menutupi resiko yang dapat mempengaruhi jumlah modal dalam perbankan (Winarso & Salim, 2017). Modal bank juga berfungsi agar deposan yang menyimpan uangnya di bank tidak merasa terbebani oleh resiko macetnya dana ketika dibutuhkan untuk kepentingan yang tak terduga oleh pihak deposan (Artha & Mulyana, 2018).…”
Section: Namununclassified