Determinants of Capital Adequacy Ratio for Pension Funds: A Case Study in Indonesia

2020 ◽  
Author(s):  
Endri Endri
Keyword(s):  
Pension Funds ◽  
Capital Adequacy ◽  
Capital Adequacy Ratio

scholarly journals PENGARUH KINERJA PERBANKAN TERHADAP JUMLAH PENYALURAN KREDIT ATAU PEMBIAYAAN PADA BANK KONVENSIONAL DAN SYARIAH

Media Ekonomi ◽  
2016 ◽  
Vol 24 (2) ◽  
pp. 101
Author(s):  
Yunita Hasanah ◽  
Ida Busneti
Keyword(s):  
Multiple Regression ◽  
Secondary Data ◽  
Positive Influence ◽  
Capital Adequacy ◽  
Third Party ◽  
Annual Reports ◽  
Capital Adequacy Ratio

<p><em>The goal this research to analyze comparing of factors that influence credit distribution at PT. Bank DKI and finance at PT. Bank Syariah Mandiri. The variable that influence credit distribution is: Third Party Funds, NonPerforming Loan/NonPerforming Finance and Capital Adequacy Ratio.This research used secondary data quertaly during the period 2008-2015 at the case study PT. Bank DKI and PT. Bank Syariah Mandiri from Finance Annual Reports of each Bank. The Methodology used is multiple regression analyze. This research shows is Third Party Funds and Capital Adequacy Ratio significantly and positive influence for the credit distribution and financing. NonPerforming Loan/No</em><em>n</em><em>Performing Finance has a negative and significant effect for credit distribution and financing.  </em></p>

scholarly journals FINANCIAL PERFORMANCE ANALYSIS OF RURAL BANKS IN MANOKWARI: A CASE STUDY OF ARFAK INDONESIA RURAL BANK

2020 ◽  
Vol 4 (2) ◽  
pp. 212-220
Author(s):  
Rully Novie Wurarah ◽  
Mona Permatasari Mokodompit
Keyword(s):  
Financial Performance ◽  
Capital Adequacy ◽  
Average Value ◽  
The Past ◽  
Good Ability ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Potential Losses ◽  
Profitability Ratios

The purpose of this research is to analyse the financial performance of Arfak Indonesia Rural Bank in Manokwari Regency in the period of 2014 – 2018 using financial ratios include liquidity, solvency and profitability ratios. Liquidity ratio is measured using Loan to Deposit Ratio (LDR), solvency is measured using Capital Adequacy Ratio (CAR), and profitability ratio is measured using Net Profit Margin (NPM) and Return on Asset (ROA). The research results shows that in the past 5 years, the average value of LDR (113%) is too high which is above 80%, thus the bank does not have enough liquidity to cover any unforeseen fund requirement. Furthermore, the average value of CAR (10.67%) was between the value of 9.5% and 11%, which indicates that the bank has enough capital to cushion potential losses and protect depositor’s money. As for the average value of NPM (39.46%) and ROA (6.73%) shows that the bank has a very good ability in generating profits.  

scholarly journals ANALYSIS OF THE EFFECT OF CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, AND FINANCING TO DEPOSIT RATIO ON PROFITABILITY: A CASE STUDY ON ISLAMIC COMMERCIAL BANKS IN INDONESIA

2021 ◽  
Vol 1 (1) ◽  
pp. 32-47
Author(s):  
Ema Muawanah ◽  
Imronudin Imronudin
Keyword(s):  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Independent Variables ◽  
Capital Adequacy Ratio

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on Profitability (Case Study on Islamic Commercial Banks in Indonesia). This research used secondary data in the form of Islamic Commercial Bank financial statements. The population in this study is Islamic Commercial Banks listed on the Indonesia Stock Exchange in 2016-2018. The sampling technique employed was purposive sampling. A sample of 3 banks was obtained. Multiple linear regression was used. Classical assumption analysis was done prior to data analysis. Hypothesis testing used t-test, F test, and the coefficient of determination (R2). The results of this study indicated that CAR has a positive and significant effect on profitability, NPF has a negative and significant effect on profitability and FDR has a negative and no significant effect on profitability. Meanwhile, the independent variables together have an effect on profitability. The result of the coefficient of determination test shows that 61.1% of the profitability of Islamic Commercial Banks in Indonesia is explained by the variables of CAR, NPF, and FDR, while the remaining 38.4% is explained by other variables outside the model.

scholarly journals Pengaruh CAR, ROA, NPM dan LDR terhadap Pertumbuhan Laba Bank

2014 ◽  
Vol 2 (1) ◽  
pp. 19-35
Author(s):  
Ermaini Ermaini ◽  
Irmanelly Irmanelly
Keyword(s):  
Regression Analysis ◽  
Significant Influence ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Profit Margin ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Profit Growth

This research aims to estimates the effect of CAR, ROA, NPM and LDR to bank profit growth case study at PT. Bank Mandiri, Tbk in the period 2002.I-2009.IV. The data which is used are secondary data in the form of quarterly financial statements published by PT. Bank Mandiri, Tbk . This study uses ratio analysize and regression analysis. Variable of CAMEL are independent of the ratio Capital Adequacy Ratio(CAR), Return on Asset (ROA), Net Profit Margin (NPM) dan Loan to Deposit Ratio (LDR).While the variable dependent is profit growth. The results showed that only variable of NPM which has significant influence on the growth of banking profits.

scholarly journals THE EFFECT OF CAPITAL ADEQUACY RATIO (CAR) AND LOAN TO DEPOSIT RATIO (LDR) ON NON PERFORMING LOAN (NPL) (CASE STUDY ON CONVENTIONAL COMMERCIAL BANKS IN INDONESIA ON 2016-2020)

2021 ◽  
Author(s):  
Fajar Afriyanto ◽  
◽  
Hilda Purnamawati ◽  
Iyan Sukiman ◽  
◽  
...  
Keyword(s):  
Data Analysis ◽  
Hypothesis Testing ◽  
Commercial Banks ◽  
Hypothesis Test ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Panel Testing ◽  
Capital Adequacy Ratio ◽  
Data Regression

This study aims to determine the influence of the Capital Adequacy Ratio (CAR) and Loan Deposit Ratio (LDR), both partially and simultaneously, on Non Performing Loans (NPL) in Conventional Commercial Banks in Indonesia for the period 2016-2020. This research is associative research with a quantitative approach. The data used in this study is secondary data, data analysis techniques using a data regression panel. Testing panel data include CEM, FEM and REM, Chow Test, Hausman Test, Lagrange Multiplier Test. Classic assumption tests include The Test of Normality, Heteroskedastisitas, Multicollinearity and Autocorrelation. Data analysis using correlation and determination coefficient analysis, Simultaneous and Partial Hypothesis Test. The population in this study was 99 Conventional Commercial Banks in Indonesia and a sample of 25 Conventional Commercial Banks in Indonesia with purposive sampling techniques. Based on the results of simultaneous hypothesis testing where CAR and LDR jointly have a significant effect on NPL Conventional Commercial Banks in Indonesia, the results off count 6.89 > 3.42 f table with a significant rate of 0.001457 lower than the α 0.05. While the partial hypothesis testing where CAR affects NPL Conventional Commercial Banks in Indonesia seen the results of t count -3,507 < 2,068 t table with a signifies value of CAR of 0.0006 is smaller than α 0.05. LDR has no effect on NPL of Conventional Commercial Banks with the calculation result of -1,116 < 2,068 t table with a significant LDR value of 0.2665 greater than α 0.05.

scholarly journals ANALISIS KETENTUAN PEMENUHAN MODAL MINIMUM (CAPITAL ADEQUACY RATIO) SEBAGAI SALAH SATU INDIKATOR KESEHATAN BANK (Studi Kasus pada Bank Rakyat Indonesia yang Terdaftar di BEI Periode 2011—2015)

2018 ◽  
Vol 4 (1) ◽  
pp. 01
Author(s):  
FITRIYANI FITRIYANI ◽  
DIDIN RASYIDIN WAHYU
Keyword(s):  
Banking Sector ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Assessment Criteria ◽  
Matrix Composites ◽  
Minimum Capital ◽  
Capital Adequacy Ratio ◽  
Very High

AbstractThe banking sector, particularly banks, as part of a financial has importantrole as an intermediary institution for the sectors involved in an economy,and therefore the health of banks needs to be given serious attention, because itinvolves people's lives for the parties concerned for owners, government, andpublic using bank services. This study discusses the analysis of the provisionsof minimum capital adequacy (CAR) as an indicator of the health of banks(case study at Bank Rakyat Indonesia listed on the Stock Exchange 2011—2015). The analysis showed that the study year 2011—2015 Bank RakyatIndonesia is considered a very healthy bank, in connection with theassessment matrix composites, categorized in one rank higher because theratio of CAR is very insignificant in comparison to the Capital AdequacyRatio set forth in the provisions, because a very high percentage of capitalgrowth compared with the percentage growth in RWA. Therefore, the bank'shealth assessment criteria CAR ratio > 11% in a very healthy predicate thatcan be seen from the year 2011 reached 14.96%, 2012 reached 17.43%, in2013 reached 18.13%, in 2014 reached 19.57 %, in 2015 reached 21.39%

scholarly journals Analisis Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) dan Loan To Deposit Ratio (LDR) terhadap Penyaluran Kredit Perbankan

2020 ◽  
Vol 4 (1) ◽  
pp. 109-116
Author(s):  
Mesrawati Mesrawati ◽  
Widya Hitajulu ◽  
Salsabila Siregar ◽  
Venny Venny ◽  
Sri Rejeki Panggabean ◽  
...  
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Stock Exchange ◽  
Bank Loans ◽  
Capital Adequacy ◽  
Third Party ◽  
The Public ◽  
Capital Adequacy Ratio ◽  
Data Collection Technique

Commercial banks have the main activity in raising funds and channeling funds to the public. The biggest source of funds from commercial banks is the activity of channeling credit to the public. The purpose of this research is to find out and analyze DPK, CAR, NPL and LDR on bank credit distribution (Case Study at Commercial Banks listed on the Indonesia Stock Exchange Period 2014-2018). Quantitative research approaches are used by being a cause and effect relationship between independent and dependent variables. Documentation becomes a data collection technique. The population in this study were 45 commercial banks listed on the Indonesia Stock Exchange in 2014-2018. The research sample is 27 commercial bank companies listed on the Indonesia Stock Exchange in the 2014-2018 period with a sample of 135 observations. Multiple linear regression became the model of this study. The results of this study are DPK, CAR, NPL and LDR partially and simultaneously and significantly on bank loans (Case study on commercial banks listed on the Indonesia Stock Exchange in the period 2014-2018). Keywords : third party fund, capital adequacy ratio, non performing loan and loan to deposit ratio, credit distribution

scholarly journals The Impact of the Capital Adequacy Ratio, Non-Performing Loan Against to Return on Equity (Case Study Private Bank in Indonesia)

2020 ◽  
Vol 76 ◽  
pp. 01035
Author(s):  
Pirmanta Sebayang
Keyword(s):  
Capital Adequacy ◽  
Test Results ◽  
Financial Reports ◽  
Return On Equity ◽  
Capital Adequacy Ratio ◽  
Private Banks ◽  
The Government ◽  
The Impact ◽  
Positive Effect

Banks in Indonesia always pay attention to the Capital Adequacy Ratio (CAR) to obtain adequate bank performance, while also paying attention to Non-Performing Loan (NPL). Banks want a high Return on Equity (ROE) to be able to be declared healthy and the bank's performance is also very good. Banking companies always make financial reports related to the banking performance. This study has two objectives namely, first to examine the effect of Capital Adequacy Ratio (CAR) on Return on Equity (ROE). Second, to examine the effect of Non-Performing Loans (NPLs) on Return on Equity (ROE) in foreign private banks that have been determined by the government. This study uses multiple regression analysis techniques using a sample of 20 banks. The test results show that there is an increase in capital Adequacy Ratio (CAR) that will be able to increase the Return on Equity (ROE) of foreign private banks in Indonesia. Increased Non-Performing Loans (NPLs) can have a positive effect and increase Return on Equity (ROE). Simultaneous tests carried out obtained the variable Adequacy Ratio (CAR) and Return on Equity (ROE) to have a joint impact on the Return on Equity (ROE) of private banks.

PENGARUH FAKTOR-FAKTOR INTERNAL PERBANKAN TERHADAP NON PERFORMING FINANCING PADA BANK UMUM SYARIAH

2019 ◽  
Vol 6 (2) ◽  
pp. 115-130
Author(s):  
Eka Ambara Harci Putranta ◽  
Lilik Ambarwati
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Regression Methods ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Independent Variable

The study aims to analyze the influence of internal banking factors in the form of: Capital Adequency Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing at Sharia Banks. This research method used multiple linear regression analysis with the help of SPSS 16.00 software which is used to see the influence between the independent variables in the form of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing. The sample of this study was 3 Islamic Commercial Banks, so there were 36 annual reports obtained through purposive sampling, then analyzed using multiple linear regression methods. The results showed that based on the F Test, the independent variable had an effect on the NPF, indicated by the F value of 17,016 and significance of 0,000, overall the independent variable was able to explain the effect of 69.60%. While based on the partial t test, showed that CAR has a significant negative effect, Total assets have a significant positive effect with a significance value below 0.05 (5%). Meanwhile FDR does not affect NPF.

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