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PENGARUH RISIKO KREDIT DAN EFISIENSI OPERASIONAL TERHADAP KINERJA BANK (Studi Empirik pada Bank yang Terdaftar di Bursa Efek Indonesia) Bambang Sudiyatno
Jurnal Organisasi Dan Manajemen Vol 9 No 1 (2013)
Publisher : LPPM Universitas Terbuka

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Abstract

Penelitian ini menguji pengaruh risiko kredit dan efisiensi operasional, terhadap kinerja bank yang terdaftar di Bursa Efek Indonesia periode 2007-2010. Risiko kredit diproksi dengan Loan to Deposit Ratio (LDR), dan efisiensi operasional diproksi dengan Capital Adecuacy Ratio (CAR) dan Biaya Operasi (BOPO), sedangkan kinerja bank diproksi dengan Return on Asset (ROA). Tujuan penelitian ini adalah untuk mengidentifikasi faktor mana, dari risiko kredit dan efisiensi operasi yang pengaruhnya lebih besar terhadap kinerja bank. Sampel yang diambil dalam penelitian ini sebanyak 96 perusahaan perbankan selama tahun 20072010, yang dipilih dengan metode purposive sampling. Untuk mendapatkan informasi yang dibutuhkan dilakukan proses pengumpulan data melalui dokumentasi. Tehnik analisis data dilakukan dengan analisis regresi linier berganda, untuk mengetahui adanya pengaruh CAR, BOPO, dan LDR terhadap ROA. Hasil analisis menunjukan bahwa rasio keuangan, yang terdiri dari rasio CAR dan LDR berpengaruh positif tetapi tidak signifikan terhadap ROA. Sedangkan BOPO berpengaruh negative dan signifikan terhadap ROA. Kemampuan prediksi dari tiga variabel tersebut terhadap ROA sebesar 18,8% sebagaimana yang telah ditunjukan oleh adjusted R square sebesar 0,188. This study examined the effect of credit risk and operational efficiency on the performance of banks listed on the Indonesia Stock Exchange between 2007-2010.Credit risk proxied by Loan to Deposit Ratio (LDR), and operational efficiency proxied by Capital Adecuacy Ratio (CAR) and Operating Costs (BOPO), while the bank's performance proxied by Return on Assets (ROA). The purpose of this study was to identify which factors, from credit risk and operating efficiencies greatest influence on the performance of banks. Samples taken in this study were 96 banking companies during the years 2007 to 2010, were selected by purposive sampling method. To get the required information, performed the data collection process through documentation. Technical data was analyzed by linear regression analysis, to determine the influence of CAR, BOPO, LDR toward ROA. The results of the analysis showed that the financial ratios, which consists of the ratio of CAR and LDR positive effect but not significant to ROA. While BOPO negative and significant effect on ROA. Predictive ability of the three variables on ROA of 18.8% as has been shown by the adjusted R-square of 0,188.
PENGARUH BOPO, NPL, NIM DAN CAR TERHADAP KINERJA KEUANGAN BANK (STUDI PADA BANK-BANK YANG LISTED DI BURSA EFEK INDONESIA) Bambang Sudiyatno; Rini Setiyowati
Dinamika Akuntansi Keuangan dan Perbankan Vol 1 No 1 (2012): Vol. 1 No. 1 Edisi Mei 2012
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Stikubank

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Abstract

The purpose of this study is to analyze the influence of BOPO, NPL, NIM and CAR on thefinancial performance of banks listed on the Indonesia Stock Exchange in the period 2006 to 2009.Samples were taken based on purposive sampling of 28 banking companies with the followingcriteria: the company issued financial statements for four consecutive years ie 2006 to 2009. Thetype of data used are secondary data and data collection methods through technicaldocumentation. Analysis technique used is normality test, the classical assumption, and multiplelinear regression based on the merging of data time series and cross section called the polleddata. The results showed that variables significantly and negatively related BOPO against thebank's financial performance, the NPL variable has negative and significant impact on thefinancial performance of banks, NIM variable has positive and significant impact on the financialperformance of banks and CAR does not affect the bank's financial performance. The ability of thebank's financial performance could be explained by variables BOPO, NPL, NIM and the CAR of97.5%, Sebagimana shown by the Adjusted R-Square of 0.975. The remaining 2.5% is explained byother factors outside the model.Key Words: BOPO, Non-Performing Loans, Net Interest Margin, Capital Adequacy Ratio and thebank's financial performance.
PENGARUH RASIO KEUANGAN UNTUK MEMPREDIKSI PROBABILITAS KEBANGKRUTAN PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BURSA EFEK INDONESIA Amir Saleh; Bambang Sudiyatno
Dinamika Akuntansi Keuangan dan Perbankan Vol 2 No 1 (2013): VOL. 2 NO. 1 MEI 2013
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Stikubank

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Abstract

Tujuan penelitian ini adalah menganalisis pengaruh current current ratio (CR), debt ratio (DR), total asset turnover (TATR), return on asset (ROA) and return on equity (ROE)terhadap probabilitas kebangkrutan. Tipe penelitian yang digunakan adalah penelitian kausal, yaitu penelitian yang dilakukan untuk menemukan hubungan sebab akibat yang defenitif atau menemukan penyebab dari satu atau lebih masalah. Obyek dalam penelitian ini adalah perusahaan manufaktur yang terdaftar pada BursaEfek Indonesia. Pengkajian obyek penelitian adalah laporan keuangan perusahaan manufaktur selama tahun 2008 – 2012. Hasil penelitian diperoleh: Current Ratio, Total Asset Turnover Ratio, tidak dapat memprediksi terjadinya probability kebangkrutan pada perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia. Sedangkan Debt Ratio, Return On Asset dan Return On Equity dapat memprediksi terjadinya probabilitas kebangkrutan pada perusahaan manufaktur yang terdaftar di Bursa EfekIndonesia.Kata kunci: current ratio, debt ratio, total asset turn over ratio, return on asset, return on equity, dan probabilitas kebangkrutan.
FAKTOR-FAKTOR YANG MEMPENGARUHI KEBIJAKAN DIVIDEN PADA PERUSAHAAN PERTAMBANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Yumita Rahmawati; Bambang sudiyatno
Dinamika Akuntansi Keuangan dan Perbankan Vol 7 No 1 (2018): Vol. 7 No. 1 2018
Publisher : Faculty of Economic and Business Universitas STIKUBANK

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Abstract

This study aims to analyze the effect of profitability, growth, liquidity, debt to equity ratio (DER) to dividend policy. About 128 samples used from annual report of mining companies listed on the Indonesia Stock Exchange in the period of 2013 -2016. The analytical method is using the logistic regression analysis method. The result of thids study is only profitability that affects to dividend policy (coefficient logistic regression: 0.220). It means if profitabillity is risen, the other variabels are constan. Therefore, dividends will be distributed if the company makes a profit. The company's ability to get greater profits will increase dividends distributed to shareholders. Key Word: profitability, growth, liquidity, debt to equity ratio (DER), dividend policy
PROFITABILITAS, KEBIJAKAN DIVIDEN, DAN KEBIJAKAN HUTANG TERHADAP NILAI PERUSAHAAN PADA PERUSAHAAN MANUFAKTUR YANG LISTED DI BURSA EFEK INDONESIA Edy Sucipto; Bambang Sudiyatno
Dinamika Akuntansi Keuangan dan Perbankan Vol 7 No 2 (2018): VOL. 7 NO. 2 2018
Publisher : Faculty of Economic and Business Universitas STIKUBANK

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Abstract

Based on this, the research has the aim to test the effect of profitability, dividend policy, and the policy of debt to the value of companies listed on the Indonesia Stock Exchange. In this study population is all listed manufacturing companies (Go Public) at the Indonesian Stock Exchange (BEI) 2011-2013. The sample in this study are listed manufacturing companies (Go Public) at the Indonesian Stock Exchange (BEI) 2011-2013. The sampling method used in this study is judgment sampling method, which is one form of purposive sampling by sampling predetermined based on the intent of the study. Based on this can be obtained samples 36 companies. Methods of data analysis using multiple linear regression analysis. Based analyst who conducted the study concluded that profitability has a significant influence on the value of the firm's dividend policy has a significant influence on the value of companies and debt policy has no significant effect on firm value. Keywords: profitability, dividend policy, debt policy, and value of the company
PENENTU PROFITABILITAS PADA BANK KONVENSIONAL YANG TERDAFTAR DI BEI TAHUN 2015-2017 Eka Agustyn Nurhayati; Bambang Sudiyatno; Elen Puspitasari
Dinamika Akuntansi Keuangan dan Perbankan Vol 8 No 2 (2019): VOL. 8 NO. 2 2019
Publisher : Faculty of Economic and Business Universitas STIKUBANK

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Abstract

This study aims to examine and analyze the effect of CAR, LDR and NPL on Profitability (ROE) at Conventional Banks listed on the Indonesia Stock Exchange in 2015-2017. The independent variables in this study are CAR, LDR and NPL. The dependent variable in this study is profitability (ROE).The sampling method uses purpose sampling at banking companies listed on the Indonesia Stock Exchange with the 2015-2017 period of 97 companies for 3 years to 97 data. The influence between variables is explained by using multiple regression analysis methods.The results showed that CAR had a significant negative effect on Profitability (ROE) on conventional banks listed on the Indonesia Stock Exchange in the 2015-2017 period. LDR has a significant positive effect on ROE on conventional banks listed on the Indonesia Stock Exchange in the 2015-2017 period. NPL has a significant negative effect on Profitability (ROE) on conventional banks listed on the Indonesia Stock Exchange in the 2015-2017 period. Keywords: CAR, LDR, NPL, Profitability.
PENGARUH PROFITABILITAS DAN PERTUMBUHAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN DENGAN STRUKTUR MODAL SEBAGAI VARIABEL MODERASI (Studi Kasus pada Perusahaan Manufaktur yang Terdaftar di BEI Periode 2016-2018) Izza Noor Fauziah; Bambang Sudiyatno
Dinamika Akuntansi Keuangan dan Perbankan Vol 9 No 2 (2020): Vol. 9 No. 2 2020
Publisher : Faculty of Economic and Business Universitas STIKUBANK

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Abstract

This study aims to examine and find out how the influence of profitability and company growth on the firm value with capital structure as a moderating variable. This research was conducted at the Indonesia Stock Exchange using an analysis unit of manufacturing companies. This sampling method uses a purposive sampling method that is 255 companies with a research period in 2016-2018. The relationship or influence on these variables is explained by using the multiple regression analysis method. The results showed that profitability had a positive and significant effect on firm value, company growth had a negative and significant effect on firm value, capital structure was able to moderate the effect of profitability on firm value, capital structure was able to moderate the effect of company growth on firm value. Keywords: profitability, company growth, capital structure, firm value
RISIKO DAN MODAL: PENGARUHNYA TERHADAP PROFITABILITAS (STUDI EMPIRIS PADA INDUSTRI PERBANKAN DI INDONESIA) Bambang Sudiyatno; Titiek Suwarti; Toto Suharmanto; Okki Martinus
Dinamika Akuntansi Keuangan dan Perbankan Vol 10 No 1 (2021): Vol. 10 No. 1 2021
Publisher : Faculty of Economic and Business Universitas STIKUBANK

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dakp.v10i1.8544

Abstract

This study discusses the effect of risk and capital on profitability of banks issued on the Indonesia Stock Exchange in the period of 2013-2017. The data used is panel data, which is a combination of time series data and cross section data. The method of taking data uses purposive sampling. Technical analysis was performed using multiple regression analysis. The results of the study show that credit risk (NPL) and operational risk (BOPO) have a negative and significant effect on profitability (ROA). While liquidity risk (LDR), market risk (NIM), and capital (CAR) do not affect on profitability (ROA). Furthermore credit risk (NPL), operational risk (BOPO) and capital (CAR) have a negative and significant effect on profitability (ROE), while liquidity risk (LDR) and market risk (NIM) do not affect on profitability (ROE). Keywords: profitability, liquidity risk, credit risk, market risk, operational risk and capital.
MENGUJI MODEL TIGA FAKTOR FAMA DAN FRENCH DALAM MEMPENGARUHI RETURN SAHAM STUDI PADA SAHAM LQ45 DI BURSA EFEK INDONESIA Bambang Sudiyatno; Moch. I rsad
Jurnal Bisnis dan Ekonomi Vol 18 No 2 (2011): VOL. 18 NO. 2 SEPTEMBER 2011
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Stikubank

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Abstract

This study examined empirically Three Factor Model Fama and French on stock returns LQ 45, using data over  the period 2007-2009. Specifically, this study examines the behavior of stock prices in relation to company sizeand book-to-market ratio. The main objective of this study was to provide evidence that will contribute to the effort to explain the Three Factor Model Fama and French in emerging markets.Our findings indicate asignificant positive effect between the risk premium with stock returns, while the firm size and book-to-market ratio is negatively effect, but no significant on stock returns. Therefore, the two-factor Fama and French noproven effect on stock returns.Key words: stock return, firm size, risk premium, and the book-to-market ratio.
FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA BANK (STUDI EMPIRIK PADA INDUSTRI PERBANKAN DI BURSA EFEK INDONESIA) Didik Purwoko; Bambang Sudiyatno
Jurnal Bisnis dan Ekonomi Vol 20 No 1 (2013): vol. 20 No. 1 EDISI Maret 2013
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Stikubank

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Abstract

This study aims to examine the factors that affect the performance of banks listed on the Indonesia Stock Exchange. These factors were operating efficiency (ROA), credit risk (NPL), market risk (NIM), capital (CAR), and liquidity (LDR). The data used in this study were obtained from the Company's Financial Statements Banking Publications listed on the Stock Exchange. Based on purposive sampling method, the sample is worth using as many as 28 corporate banking with the following criteria: banking company is listed on the Indonesia Stock Exchange (BEI), never on delete, and provide financial statement data for the period 2007-2010. The type of data used are secondary data, which is a combination of time series and cross section data. Technical analysis used multiple linear regression. The results showed that the variables BOPO and NPL are significant negative effect on ROA, NIM is significant positive effect on ROA, CAR and LDR whereas no significant effect on ROA. Coefficient of determination, which shows the magnitude of the influence BOPO, NPL, NIM, CAR and LDR to ROA are 73.1%, while the rest of 26.9% explained by other causes outside the model. Key words: efficiency of operations (ROA), credit risk (NPL), market risk (NIM), capital (CAR), liquidity (LDR).