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Analisa Camel dan RGEC untuk mengukur tingkat Kesehatan Bank (Studi pada Industri Perbankan Syariah di Indonesia yang Listing di Bursa Efek Indonesia Tahun 2015-2019) Lina Indra Rismala; Tasya Triposa; Devi Aprilianty; Dessy Elvina; Nardi Sunardi
Jurnal SEKURITAS (Saham, Ekonomi, Keuangan dan Investasi) Vol 5, No 1 (2021): Jurnal SEKURITAS
Publisher : Prodi Manajemen Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (934.459 KB) | DOI: 10.32493/skt.v5i1.12259

Abstract

Industri Perbankan Syariah merupakan bagian penting Lembaga Keuangan Indonesia yang mendukung pendukung pertumbuhan ekonomi dan berperanan sangat penting dalam pengelolaan dana masyarakat, dimana dengan performa finansial yang bagus dapat meningkatkan level kepercayaan sebagai wadah yang aman dan sehat untuk penanaman dan pengoelolaan dana masyarakat. Adapun penelitian ini dilaksanakan dengan penerapan metode CAMEL dan RGEC dalam rangka mengukur tingkat kesehatan perbankan syariah, yaitu dengan cara pengukuran rasio CAR, KAP, NPM, ROA, BOPO, LDR, NIM, NPL dan GCG terhadap kinerja Perbankan Syariah yang listing di Bursa Efek Indonesia dalam rentang periode penelitian tahun 2015-2019 berdasarkan “Surat Edaran Bank Indoneisa Nomor 6/23/DPNP/2004”. Sampel untuk pengukuran ini dibatasi dengan penerapan metode purposive sampling sebanyak 3 (tiga) Bank Syariah dengan menggunakan data yang bersifat sekunder yang diunduh dari www.idx.co.id, www.bi.go.id, dilengkapi dengan website tiap sampel perusahaan. Hasil analisa menunjukkan bahwa berdasarkan rasio-rasio dan profil yang dikaji secara umum industri Perbankan Syariah pada periode 2015-2019 dapat diperingkatkan sebagai :  SEHAT.
The Influence of Capital Structure, Liquidity, Solvency and Firm Growth on the Company’s Financial Distress That is Mediated by Profitability (A Study on 12 Indonesia General Insurance Companies Listed on the Indonesian Stock Exchange 2015-2020) Lina Indra Rismala; Holiawati Holiawati; Nardi Sunardi
Adpebi Science Series 2022: 1st AICMEST 2022
Publisher : ADPEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to analyze the influence of capital structure, liquidity, solvency and firm growth on the company’s financial distress that is mediated by profitability in 12 (twelve) general insurance companies listed in the Indonesia Stock Exchange 2015-2020. It applies an associative quantitative research method using secondary data of the published Annual Report of the Indonesian general insurance companies during the above mentioned period, which therefore are determined as research samples and are made by the purposive sampling method. The panel data regression analysis was carried out by applying the EViews v9.0 software supported by Microsoft Excel usage. The data analysis uses the estimation method of multiple linear regression models with descriptive analysis. Classical assumption test consists of normality, autocorrelation, multi-collinearity and heteroscedasticity. Thereafter it is followed by hypothesis testing (t test, F test), detection of mediation effect and path analysis through the Sobel test. The results of this study provide information that all relevant companies as mentioned are all having the high probability of risking financial distress. Capital structure and solvency have immediate affect on profitability, whereas liquidity and firm growth does not, simultaneously the combination of all does have. In regard to financial distress, then capital structure and profitability does have affect, whereas liquidity, solvency and firm growth does not, but again the combination of all will have affect. Profitability mediates the capital structure that in turn influences financial distress, but this does not necessarily mediate liquidity, solvency and firm growth. Profitability however does affect on financial distress