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Herizon Herizon
STIE Perbanas Surabaya
Economics, Econometrics & Finance

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Pengaruh risiko usaha terhadap profitabilitas pada bank umum swasta nasional devisa Syania Dita Cahyani; Herizon Herizon
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1763

Abstract

The purposes of this study are analyzes the simultaneously and partially effect of LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR to ROA in Bank Umum Swasta Nasional Devisa. The sample of this study consisted of four banks: Bank CIMB Niaga, Bank Permata, Bank Pan Indonesia, and Maybank. This study used secondary data taken from the financial statements of  Bank Umum Swasta Nasional Devisa. The bank period from the first quarter of 2013 to the second quarter of 2018. The technique of analyzing data is descriptive analysis and used linear regression analysis, F table, t table. The result of this study indicate that analyzing LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR simultaneously have a significant effect on ROA in Bank Umum Swasta Nasional Devisa. Partial LDR, IPR and APB have unsignificant negative effect on ROA in Bank Umum Swasta Nasional Devisa. NPL and IRR partially have unsignificant positive effect on ROA in Bank Umum Swasta Nasional Devisa. PDN and BOPO partially have significant negative effect on ROA in Bank Umum Swasta Nasional Devisa. FBIR partially has significant positive effect on ROA in Bank Umum Swasta Nasional Devisa.
EFFECT OF THE BANK OF RISK CAPITAL ADEQUACY RATIO (CAR) ON FOREIGN EXCHANGE NATIONAL PRIVATE BANKS Debby Cynthia Ananda Sari; Herizon Herizon
Journal of Business & Banking Vol 6, No 1 (2016): Mei - Oktober 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v6i1.889

Abstract

The purpose of the research is to determine LDR, IPR, NPL, APB, IRR, PDN, BOPO and FBIR simultaneously and partially have significant influence toward Capital Adequacy Ratio (CAR). Population were the On Foreign Exchange National Private Banks. Sampling technique is purposive sampling so that the selected Bank were PT. Bank ICBC Indonesia, Tbk, PT. Bank Permata, Tbk ,PT. Bank UOB Indonesia, Tbk , PT. Bank. Data collected by the methods of documentation and analysis were performed by linear multiple regression analysis technique.Results shows that LDR, IPR, NPL, APB, IRR, PDN BOPO, and FBIR simultaneously have significant effect toward CAR ratio On Foreign Exchange National Private Banks. Partially LDR ratio significantly has a positive effect on CAR ratio On Foreign Exchange National Private Banks and Partially BOPO ratio significantly has a negative effect on CAR ratio On Foreign Exchange National Private Banks. Meanwhile IPR , NPL, and PDN has a positive effect but insignificant toward CAR  ratio On Foreign Exchange National Private Banks. On the other side, APB, IRR and FBIR have negative effect but insignificant toward CAR ratio On Foreign Exchange National Private Banks. 
Pengaruh risiko usaha terhadap rasio kecukupan modal inti (TIER 1) pada bank-bank kelompok buku 3 dan buku 4 Adi Isa Ansori; Herizon Herizon
Journal of Business & Banking Vol 7, No 1 (2017): Mei - Oktober 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v7i1.1002

Abstract

This study tried to determine the effect of liquidity risk measured by LDR and IPR, Credit risk measured by APB and NPL, market risk measured by IRR and PDN, operational risk measured by BOPO, and FBIR both simultaneously or partially. On Core CAR (TIER 1) in Bank group of book 3 and book 4. The sample was selected using purposive sampling technique, consisting of five banks such as PT Bank Negara Indonesia, PT Bank Maybank Indonesia, PT Bank Tabungan Negara, PT Pan Indonesia Bank, and PT Bank Permata. The secondary data were taken from published financial statements starting from first quarter 2010 until second quarter 2015. They were collected by documentation method and analyzed using linear analysis. The result shows that, partially, LDR, IPR, NPL, PDN, BOPO and FBIR have significant effect on Core CAR (TIER 1). Simultaneously, LDR, IPR, APB, NPL, IRR, PDN, BOPO, and FBIR, as represented by liquidity risk, credit risk, market risk, and operational risk partially have significant effect on Core CAR (TIER 1) in Bank group of book 3 and book 4.
Pengaruh likuiditas, kualitas aset, sensitivitas pasar, dan efisiensi terhadap Return On Asset (ROA) pada bank devisa yang go public Rommy Rifky Romadloni; Herizon Herizon
Journal of Business & Banking Vol 5, No 1 (2015): May - October 2015
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i1.477

Abstract

Banks are the financial institutions that have functions as the intermediary between the two parties such as those who need capital and those who have excessive capital. This research aims to analyze whether LDR, LAR, IPR, NPL, APB, IRR, PDN, BO-PO, and FBIR simultaneously and partially have significant effect on ROA. It uses secondary data taken by means of documentation method. These data were taken from published financial report of the foreign go-public national banks form first quarter of 2010 until second quarter of 2014. Multiple regression analysis was used for analysis. It shows that LDR, LAR, IPR, NPL, APB, IRR, PDN, BOPO, and FBIR simulta-neously have significant effect on ROA. In addition, LAR and FBIR, PDN, BOPO, NPL, partially have positive significant effect on ROA. But, LDR, IPR and APB, and IRR partially have negative and insignificant effect on ROA.
Pengaruh risiko bisnis dan tata kelola perusahaan terhadap skor tingkat kesehatan bank pada bank swasta nasional devisa di Indonesia Mi Razul Amrullah; Herizon Herizon
Journal of Business & Banking Vol 8, No 1 (2018): Mei - Oktober 2018
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v8i1.909

Abstract

The purpose of research was to determine whether the credit risk, market risk, liquidity risk. Operational risk and GCG simultaneously and partially towards the bank’s soundness. The population of this research is the national private commercial banks in Indonesia and they were taken by using a purposive sampling. The research sample consists of Bank Central Asia, CIMB Niaga Bank, Bank Danamon Indonesia, Bank PAN Indonesia (Panin Bank), Bank OCBC NISP, Bank May Bank Indonesia, Bank Mega, Bank Bukopin and Bank ICBC Indonesia. The data were analysed using multiple linear regression analysis. The results of the study show that credit risk, market risk, liquidity risk. Operational risk and GCG simultaneously have a signifi cant infl uence. Partially credit risk, market risk, liquidity risk and GCG have insignifi cant infl uence, while operational risk has a signifi cant effect on the soundness of Nasionaol private commercial banks in Indonesia.
Co-Authors Adi Isa Ansori Debby Cynthia Ananda Sari Mi Razul Amrullah Rommy Rifky Romadloni Syania Dita Cahyani