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Faktor-Faktor Yang Berpengaruh Terhadap NPL Bank BUMN Muhammad Nauval Rabbani; Dadan Rahadian
SEIKO : Journal of Management & Business Vol 5, No 2 (2022): July - December
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v5i2.2326

Abstract

Abstrak Penelitian ini bermaksud untuk melihat bagaimana nilai Non Performing Loan (NPL) bank BUMN pada saat pasca pandemi COVID-19 dipengaruhi oleh beberapa faktor mikroekonomi seperti rasio Capital Adequacy Ratio (CAR), rasio Loan to Deposit Ratio (LDR), dan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO). Metode yang digunakan pada penelitian kali ini adalah metode kuantitatif dengan data sekunder yang didapatkan dari laporan keuangan masing-masing perusahaan secara triwulan. Data yang digunakan adalah nilai dari NPL, CAR, LDR, dan BOPO periode 5 triwulan pasca pandemi yaitu triwulan 2 2020 hingga triwulan 2 2021. Sampel dari penelitian ini berasal dari perusahaan perbankan yang dimiliki oleh BUMN dan terdaftar didalam Bursa Efek Indonesia (BEI). Maka dari itu metode sampling yang digunakan adalah sampling total. Analisis data pada penelitian menggunakan uji asumsi klasik dan uji regresi linear berganda. Hasil uji pada penelitian ini menunjukan bahwa data sudah memenuhi syarat uji asumsi klasik sehingga dapat melakukan uji regresi linear berganda. Hasil uji regresi menunjukan bahwa secara simultan seluruh rasio yaitu CAR, LDR, dan BOPO secara bersamaan mempengaruhi NPL, sedangkan secara parsial hanya rasio LDR yang mempengaruhi NPL. Kata kunci: Non Performing Loan (NPL), perbankan BUMN, pandemi COVID-19 Abstract This study intends to see how the non-performing loan (NPL) of state-owned banks in the post-COVID-19 pandemic is influenced by several microeconomic factors such as the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and the ratio of Operating Costs to Operating Income (BOPO). The method used in this study is quantitative with secondary data obtained from the financial statements of each company quarterly. The data used is the value of NPL, CAR, LDR, and BOPO for the 5 quarter post-pandemic period, namely the 2nd quarter of 2020 to the 2nd quarter of 2021. The sample of this study comes from banking companies owned by SOEs and listed on the Indonesia Stock Exchange (IDX). Therefore the sampling method used is total sampling. Data analysis in this study used the classical assumption test and multiple linear regression. The test results in this study indicate that the data has met the requirements of the classical assumption test so that it can perform multiple linear regression tests. The results of the regression test show that the overall ratio of CAR, LDR, and BOPO simultaneously affects the NPL, while partially only the LDR ratio affects the NPL. Keywords: Non-Performing Loan (NPL), BUMN banking, COVID-19 pandemic
Capital Structure and Its Implication on Profitability: An Empirical Study from Sharia Banks in Indonesia Dadan Rahadian; Zahara Fitri Ramandhini
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 4, No 2 (2021): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i2.1898

Abstract

Profitability is one of the business goals that need to be achieved to ensure sustainability, as well as a chance to expand. Capital structure is the subject of an interesting discussion in determining profitability. This study aims at examining the influence of capital structure on profitability in sharia banks in Indonesia in which the management of sharia banks is different from conventional banks. A capital structure used in this study comprises the Debt-to-Equity Ratio (DER) and Debt-to-Asset Ratio (DAR), while profitability comprises Return-on-Equity (ROE) and Return-on-Asset (ROA) in sharia banks in Indonesia for five years. The findings revealed that there was no significant influence between capital structure and profitability in sharia banks in Indonesia, both measured using DER, DAR on ROE, and ROA. This study implies that the findings are different from previous studies, but the results of the correlation coefficient show a negative direction. In other words, the higher the use of debt, the lower the profitability. The use of debt that is too high can reduce the level of profitability, and not produce assets at the optimal point. Therefore, the composition of debt in sharia banks needs special attention to increase the expected profit. 
THE EFFECT OF RISK BASED BANK RATING ON FIRM VALUE Dadan Rahadian; Artiar Anjani Handono
TRIKONOMIKA Vol 21 No 1 (2022): June Edition
Publisher : Faculty of Economics and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (276.904 KB) | DOI: 10.23969/trikonomika.v21i1.4303

Abstract

Bank Indonesia has transforms since 1746 influenced various policies issued by Bank Indonesia, one of which is the policy of assessing the soundness of banks. This policy underwent a change which was originally based on CAMEL, until now it became RBBR. This policy is made to assess the performance of banking institutions which will have an impact on the value of the company. Using panel data regression with a total sample of 15 foreign exchange banks for 5 years of research, this study found that the ratios of RBBR are LDR, PDN, NPL, GCG, ROA, NIM and CAR together have a considerable influence on the value of the company as proxied by Tobin's Q of 76.61%, capital being a variable has a positive and significant effect on firm value.