CAR Ratio Research Articles

A Vehicle-to-Grid System for Controlling Parameters of Microgrid System.

The power system for large-scale adoption of hybrid electric vehicles can benefit from a distributed reserve provided by the vehicle-to-grid (V2G) concept. This study suggests a V2G technology that can effectively control frequency on a microgrid throughout a 24-h cycle. When usage is at its lowest in the spring or fall, a microgrid is intended to be large enough to simulate a community of 2000 households. A 1:5 ratio of cars to households is realized by modelling 400 electric vehicles (EVs) as a basic model, indicating a typical case in the future. An in-depth analysis of the voltage, current, reactive, and active power is carried out for a microgrid. By coordinating control of diesel generation, renewable energy source (RES) generation, power exchange, and EV generation, the system frequency of a microgrid can be managed by regulating load demand with V2G devices. The proposed microgrid with V2G effectively manages energy and reduces the uncertain and variable nature of RES power generation with enhanced performance. System parameter variations have been investigated for various operating scenarios, and it has been discovered that error is confined to less than 5%.

ANALISIS CAMEL DALAM MEMPREDIKSI KESEHATAN KEUANGAN PADA PT. BANK RAKYAT INDONESIA (PERSERO) , Tbk DAN PT. BANK TABUNGAN NEGARA (PERSERO) , Tbk. PERIODE 2018-2022

The purpose of this study was to assess the financial health of PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk using the CAMEL (Capital, Asset Quality, Management, Earning, Liquidity) method. The research object is PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk. The type of research used is qualitative and quantitative. The type of data used is secondary data, and the sample used is data on the financial statements of PT BRI (Persero) Tbk and PT. BTN (Persero) Tbk. for 2018-2022. Based on the research results, it was found that the CAR ratio at BRI from 2018 to 2022 is in the range of ≥ 12% (very healthy). KAP ratio is in the range ≤ 2% (very healthy). The NPM ratio is in the range of 66% - ≤ 80% (fairly healthy) except for 2020 it will be in the range ≥ 51% - 65% (unhealthy). The ROA ratio is in the range > 1.5% (very healthy). The BOPO ratio is in the range ≤ 94% (very healthy). And for the LDR ratio from 2018 to 2021 it will be in the range of 85% - ≤ 100% (healthy enough), and in 2022 it will be in the range of 75% - ≤ 85% (healthy). Meanwhile, the CAR ratio for BTN from 2018 to 2022 is in the range of ≥ 12% (very healthy). The KAP ratio in 2018 is in the range of ≤ 2% (very healthy) and in 2019 to 2022 is in the range of 2% - ≤ 3% (healthy). The NPM ratio is in the range of 51% - ≤ 65% (unhealthy) except in 2019 it is in the range of ≤ 50% (unhealthy). The ROA ratio in 2018 was in the range of 0.5% - ≥ 1.25% (fairly healthy), in 2019 it was in the range 0% - 0.5% (unhealthy), in 2020 to 2022 it was in the range of 0.5% - ≤ 1.25 % (quite healthy). The BOPO ratio is in the range ≤ 94% (very healthy) except in 2019 it is in the range > 97% (unhealthy). And for the LDR ratio from 2018 to 2019 it will be in the range of 100% - ≤ 120% (unhealthy) and from 2020 to 2022 it will be in the range of 85% - ≤ 100% (fairly healthy). So that from the results of calculations and comparisons with the CAMEL method, it is obtained that the company that has a higher level of financial soundness for five years is PT BRI (Persero) Tbk. Keywords: Bank Health, BRI, BTN, CAMEL

Analisis Pasca Merger: Komparasi Tingkat Kesehatan Bank Syariah Dengan Bank Konvensional di Indonesia

The purpose of this study is to show a comparison of the soundness level of Islamic bank with conventional banks, namely Bank Syariah Indonesia (BSI), Bank Tabungan Pensiunan Nasional (BTPN), and Bank Danamon with a period of two years after the merger through the RGEC approach as measured by the financial ratio NPF/ NPL, FDR/LDR, ROA, and CAR. Quantitative methods are used to retrieve secondary data on financial ratios sourced from financial reports on the official website of OJK and related banks. Hypothesis testing was carried out using the One Way ANOVA and Kruskal-Wallis Test. This study succeeded in showing that there is a significant difference in the soundness of banks two years after the merger in terms of the overall ratio. BSI excels in the FDR/LDR ratio, Danamon excels in the ROA and CAR ratios, and BTPN excels in the NPF/NPL ratio. BSI and Danamon showed healthy overall financial ratios and were considered capable of carrying out their intermediary function properly, while BTPN was considered less than optimal, due to one of the ratios, namely unhealthy liquidity. Mergers do not always have a positive impact on the soundness level of banks therefore it is hoped that the banks that are going to merge can take preventive steps and develop appropriate policies in order to maintain their soundness level.

The Effect of LDR Ratio, CAR Ratio and BOPO Ratio on ROA in Conventional Banking on the Indonesia Stock Exchange Period 2015-2020

This study aims to analyze the effect of the variables measured by the LDR Ratio, CAR Ratio and BOPO Ratio on ROA of Conventional Banking on the Indonesia Impact Exchange for the 2015-2020 period. This study uses 14 conventional banks on the Indonesia Stock Exchange for the 2015-2020 period. The illustration method used is purposive sampling and 10 industries are obtained. This research uses secondary information in the form of financial statements that meet the criteria, the data obtained from the financial statements are obtained from the Indonesia Stock Exchange which can be accessed through https://www.idx.co.id/id . The analytical procedure used in this study is Linear Regression of panel data using the SPSS 25 program. The results of this study show that LDR and BOPO have a significant effect on ROA, while the CAR ratio has no effect on ROA.

Analisis Perbandingan Prediksi Financial Distress Pada Bank Umum Syariah di Indonesia dan Malaysia Periode 2017-2021 Menggunakan Metode Altman Z-Score Modifikasi

This study aims to determine the differences in the prediction results of financial distress at Islamic Commercial Banks in Indonesia and Islamic Commercial Banks in Malaysia and to determine the effect of the variable ratios of NPF, CAR and FDR on financial distress. The data analysis method uses the Mann Whitney differential test, the results show that there are differences. besides that the data analysis technique used is panel data regression analysis, simultaneously the ratio of NPF, CAR and FDR affects the value of the Z-Score or financial distress. In Islamic Commercial Banks in Indonesia, partially NPF has no effect on the value of the Z-Score or financial distress. Meanwhile, the CAR and FDR ratios have a positive effect on the Z-Score or financial distress. At Islamic Commercial Banks in Malaysia partially the NPF and CAR ratios have no effect on the Z-Score or financial distress, while the FDR ratio has a negative effect on the Z-Score or financial distress.

Analisis Perbandingan Kinerja Keuangan Bank Pemerintah dan Bank Swasta yang Terdaftar di BEI Tahun 2017-2020

The institutions that act as financial intermediaries between the government and the community, and play an important role in the economy, were banks. If explained in more detail, the bank was a financial institution that mediates the customer (excess funds) with the debtor (needs funds) so as to facilitate traffic circulation. Banks as institutions engaged in the financial sector, need to maintain public trust so that banking performance could be run better. These study selected samples used a random technique without certain criteria or called simple random sampling, included: 4 Government Banks (Bank Mandiri, B.R.I, B.N.I, and B.T.N) and 4 National Private Banks (Bank B.C.A., Panin, Danamon, and C.I.M.B Niaga). with financial reports from 2017 to 2020, meaning that the number of samples used = 8 banks x 4 years = 32 samples. These study formed the final conclusion that there were differences in performance between government banks and private banks where government banks has better CAR, NPM, and ROA ratios compared to private banks, while private banks only has an advantage in the NPL ratio.

Impact of the Capital Adequacy on Bank Competition in the Kosovo Banking Sector

Sustainable growth, higher competitiveness, and a stable position should be the top mission of each bank during this century. Central banks are obliged to play their role by monitoring the banks on being sound and ensuring a stable economic system, by enforcing them to keep their CAR ratios well above the minimum required level. On the other hand, banks should increase their profit and competitiveness by orienting their investment more on low-risk products. Banks with high levels of capital will tend to possess outstanding performance and promote public confidence. However, the requirement for a higher capital ratio appears to be a barrier to rising competition. According to the various studies, macroeconomic factors and bank-specific factors both had a significant impact on the bank’s capital adequacy position. This study through the statistical regression shows the impact of the Capital Adequacy Ratio on bank competition. The results we have obtained prove that the capital requirement has a positive impact on increasing bank competition. Supported by the results, we advise banks to focus their investment on the market for highly rated instruments. By doing so, they may spark the next round of competition and be able to keep their capital adequacy ratios at the highest possible level, improving the soundness and stability of their institution.

Financial Performance of Islamic Banks: A Comparative Analysis Before and During The COVID-19 Pandemic

The protracted pandemic has an impact on the Islamic banking industry. Comparing the financial performance of Islamic financing before and during the COVID-19 outbreak helped to evaluate the impact of this factor. This type of quantitative research utilizes secondary data in the form of monthly financial reports from the Financial Services Authority’s website for 2018–2021. The variables used are ROA, FDR, BOPO, NPF, and CAR. Before and throughout the COVID-19 epidemic, Islamic banks demonstrated varied financial performance levels as measured by the ratios of ROA, FDR, BOPO, and CAR. ROA and CAR ratios have risen throughout the COVID-19 epidemic. During the COVID-19 pandemic, the FDR, BOPO, and NPF ratios declined. The ratio of BOPO to CAR is the finest and most consistent of these five ratios, ranking first (very healthy) before and during the pandemic. The ROA ratio for FDR and NPF remains standard, with an average ranking of second (healthy). The bank’s condition stayed normal and healthy over the 2018–2021 period, both before and after the COVID–19 epidemic, despite variations in the financial performance of Islamic banks as indicated by the ROA, FDR, BOPO, NPF, and CAR ratios.

Analysis of the Performance of Rural Sharia Banks in Indonesia During the Covid-19 Pandemic

Covid-19 has a significant impact on the economy, including the Islamic financial industry in Indonesia. So, research on the performance of Islamic banks, including the performance of Islamic banks in Indonesia is very interesting to study. This study aims to determine the level of performance of BPRS in Indonesia during the Covid-19 pandemic in 2019-2021, based on OJK Circular Letter; SEOJK number 28/SEOJK.03/2019. This study uses qualitative descriptive methodology. The results of the study show that the average CAR ratio of BPRS in 2019-2021 is 23.46 percent, which indicates that BPRS is very healthy. The average NPF ratio of BPRS in 2019-2021 is 7.08 percent, which indicates that BPRS is healthy. And the average ROA ratio of BPRS in 2019-2021 is 2.11 percent, which indicates that BPRS is very healthy. Based on the above research results, the performance of BPRS in Indonesia during the Covid-19 pandemic was exceptional. This means that BPRS in Indonesia can continue to operate intact even under sluggish economic conditions. This shows that the performance of BPRS in Indonesia during the Covid-19 pandemic is in the healthy and stable category. This emphasizes that Islamic banks are resilient in the face of an economic crisis. Therefore, it is expected that bank management should always improve the performance of BPRS by paying attention to the capital aspect, asset quality aspect, income aspect, and liquidity aspect.

Risk Profile Assessment ofRisk profile assessment of core capital adequacy: capital adequacy tier-book strategy Core Capital Adequacy: Capital Adequacy Tier-Book Strategy

The purpose of this study is to analyze the effect of risk profile variables both on the fulfillment of core capital adequacy and to find out which risk variables have a dominant influence on core capital adequacy in bank books 1 and 2. This research is included in quantitative analysis. This study uses purposive sampling, and data collection is carried out using the documentation method by looking at the annual financial reports on the OJK (Financial Services Authority) website, BI (Bank Indonesia) website, and the Bank's website object of research. The results of this study using the level of capital ratios by banks, namely the ratio of CAR, ROA, OEOI, NIM, LDR, and RAR, show good results. Because the standard deviation reflects very high variations, the distribution of data shows expected results and does not cause bias. Assessment of the Bank's Soundness Level using a risk approach (Risk-based Bank Rating) is executed based on a thorough analysis of the Bank's performance, risk profile, problems, and development prospects of the Bank since the purpose of maintaining the soundness of banks through consideration of the aspect of capital adequacy is the most significant part in order to gain public trust.

Analysis of Risk-Based Bank Ratings in Banking Companies before and After Merger: Case Study Indonesian Banking Industries

The difficulties experienced by banks in Indonesia appear to be very prolonged, even though Bank Indonesia has carried out its duties as lender of last resort namely the inherent function of protecting the bank in the event of liquidity difficulties. This banking crisis ultimately led to the liquidation of many banks and mergers. The purpose of this study is to analyze the health of banks in banks that carried out merger actions from 2015 to 2019 and banks listed on the IDX. Research was analyzed using the RBBR method (Risk Based Bank Rating). The method in this study was conducted based on credit risk and liquidity risk as measured using the NPL ratio (Non Performing Loan) and LDR ratio (Loan Deposit Ratio). GCG factors are measured by GCG composite ratings published by banks, factors earnings calculated using the ROA ratio (Return on Asset) and NIM (Net Interest Margin). Factor Capital calculated by CAR ratio (Capital Adequacy Ratio). The results of the RBBR analysis show that in general, almost all assessment factors have decreased, except for factors capital just.

Analisis Kinerja Perbankan Syariah 2018-2022 Dengan Menggunakan Pendekatan Islamicity Performance Index

This study aims to analyze the financial performance of Indonesian Sharia Peranakans for the 2018-2022 period using the Islamicity Performance Index approach. CAR, BOPO, and NPF are the financial ratios which are the variables that will be examined, and the Profit Sharing Ratio is the financial ratio of the Islamicity Performance Index which will be analyzed for its performance. The formulation of this research is: How is the Performance of Indonesian Sharia Banking for the 2018-2022 period using the Islamicity Performance Index Approach? and whether there is an influence of CAR, BOPO, and NPF financial ratios on the Profit Sharing Ratio. This study uses a quantitative research method with secondary data in the form of financial reports obtained from the Sharia Banking Statistics of the Financial Services Authority (SPS OJK). The results of the research analysis that has been carried out, it can be seen that the financial ratios of CAR, BOPO, and NPF affect the Profit Sharing Ratio, where this profit sharing ratio is one of the main objectives of Indonesian Islamic Banking. The recommendation for this researcher is that it is better for Indonesian Islamic Banking to further increase the PSR ratio or profit sharing so that it is important to identify the extent to which a bank has achieved its goals, because the large acquisition of profit sharing for Islamic banks will later become an advantage for the bank itself.

The Influence of Capital Adequacy Ratio, Loan to Deposit Ratio, and Net Interest Margin on Return on Asset at Bank Jabar Banten

Based on the results of observations, this research is motivated by the fluctuating phenomenon in these ratios and the discrepancy with the theory put forward by experts. This study aims to find out how the effect of CAR on ROA at Bank BJB, find out how the influence of LDR on ROA at Bank BJB, find out how the influence of NIM on ROA at Bank BJB, and find out how the influence of CAR, LDR, and NIM simultaneously on ROA at Bank BJB. The object of research in this thesis is the ratio of CAR, LDR, and NIM to ROA. The type of research is quantitative with an associative approach with secondary data types and uses data collection techniques in the form of documentation and literature study. While taking the sample using purposive sampling technique. The population is Bank BJB quarterly financial report data for the 2017-2021 period. The results of the study show that there is no significant and negative effect between CAR on ROA at Bank BJB, there is no significant effect between LDR on ROA at Bank BJB and in a negative direction, but there is a significant effect between NIM on ROA at Bank BJB. Simultaneously there is no effect between CAR, LDR, and NIM on ROA at Bank BJB.

Pengaruh Rasio Keuangan terhadap Efisiensi Bank Panin Dubai Syariah dengan Pendekatan Data Envelopment Analysis - Analisis Diskriminan


 
 The purpose of this research is to measure the efficiency of Bank Panin Dubai Syariah and classify it into efficient and inefficient categories. In addition, this study also aims to determine the effect of financial ratios including ROA, CAR, NPF, FDR, and Size on the efficiency of Bank Panin Dubai Syariah. This research uses associative research with a quantitative approach. The sampling technique used is purposive sampling which is included in nonprobability sampling. The sample used is Panin Dubai Syariah Bank quarterly data from 2011 to 2021. The number of samples used during the study period was 44 financial report data presented in quarterly financial reports. The data analysis technique used is Data Envelopment Analysis (DEA) and discriminant analysis. The results of this study indicate that Bank Panin Dubai Syariah is not yet in an efficient condition, seen from the average efficiency value of 0.928. This study also shows that the FDR ratio variable has a significant effect on the efficiency of Panin Dubai Syariah Bank, while the ROA, CAR, NPF, and Size ratios have no effect on the efficiency of Panin Dubai Syariah Bank.
 Keywords: Data Envelopment Analysis, Discriminant Analysis, Islamic Bank Efficiency

Analisis Pengaruh Rasio BOPO, CAR dan NPL Terhadap Kinerja Keuangan Pada PT Bank Central Asia Tbk.

This research was conducted at PT Bank Central Asia Tbk. With the aim of knowing and analyzing the health of banks with BOPO, CAR and NPL ratios and looking for their influence on financial performance (ROA). The research method used is associative quantitative research. The sample for this study consisted of balance sheets, income statements and notes to financial statements (CALK) for 15 years from the period 2007 - 2021 with the sampling technique used being purposive sampling. The analytical tools used are classical assumptions, multiple linear regression, Coefficient of Determination, Multiple Correlation, Partial t-test, and Simultaneous f-test which aims to analyze the relationship between BOPO, CAR and NPL variables on financial performance (ROA) using SPSS v software. 16. The results of this study indicate that BOPO has a significant effect on ROA, for CAR and NPL it does not have a significant effect on ROA. Meanwhile BOPO, CAR and NPL together have a significant effect on ROA.

INTERNAL FACTOR ATTRIBUTE IN ISLAMIC BANKS: WHICH ONES CONTRIBUTE TO PROFIT DISTRIBUTION? EVIDENCE FROM MUAMALAT BANK

Competition between financial institutions will have a positive and negative impact on the development of a bank. In this case, the existence of Bank Muamalat Indonesia as the first pioneer of banks operating with Sharia principles for 30 years needs to be assessed for its financial performance. This study aims to determine and analyze the effect of the ratio of CAR, ROA, FDR, NPF, and BOPO on Profit Distribution Management at Bank Muamalat Indonesia for the 2014-2021 period. The data used in this study includes data on Bank Muamalat Indonesia's quarterly financial statements from 2014 to 2021. The statistical test method used to analyze data in this study is Multiple Regression Analysis. The results of this study show that the ratio of ROA and FDR has a significant effect on Profit Distribution Management, while the ratio of CAR, NPF, and BOPO does not have a significant effect on Profit Distribution Management. Simultaneously, the ratio of CAR, ROA, FDR, NPF, and BOPO affects Profit Distribution Management. This research has several implications for bank policy regarding the importance of maintaining financial performance ratios and opinions through increasing bank financing disbursements and optimizing Profit Distribution Management.

Comparative Study Of Financial Performance (Islamic VS Conventional Bank During Covid-19)

Covid-19 has had a significant impact on the banking economic sector, both Islamic banks and conventional banks. This article attempts to reveal a comparison of the financial performance of Islamic and conventional banking as measured using the CAMELS ratio. The camels ratio component consists of aspects of capital, assets, management, earnings, liquidity and sensitivity. This component is measured by the ratio of CAR, NPL/NPF, BOPO, ROE, LDR/FDR. The method used is the difference test with the Independent Sample T-test. The results of the study show that there are significant differences between the financial performance of Islamic and conventional banking for CAR and BOPO ratios. Meanwhile NPL/NPF, ROE and LDR/FDR did not show a significant difference.

Navigating Uncertain Times: Comparative Analysis of Islamic Banking Financial Performance in Indonesia Before and During the Covid-19 Pandemic

This study analyzes the comparison of the financial performance of Islamic banks in Indonesia before and during the Covid-19 pandemic. The population used in this study consists of Islamic Commercial Banks in Indonesia. The research method employed is quantitative research with a comparative approach using IBM SPSS Statistics 25 software. The data used are secondary data in the form of financial reports published by each company's website from 2018 to 2021. The results of this study indicate significant differences in CAR and ROA ratios between before and during the Covid-19 pandemic. However, there are no significant differences in NPF, OER, and FDR ratios between before and during the Covid-19 pandemic. Furthermore, there are significant simultaneous differences in financial performance before and during the Covid-19 pandemic. This comparative analysis sheds light on the dynamic nature of Islamic banking financial performance during the Covid-19 pandemic. The findings provide valuable insights for policymakers, bank regulators, and industry stakeholders in understanding the sector's resilience and the need for adaptive strategies during times of crisis.

Digital Bank Financial Soundness Analysis at PT Bank Jago Tbk.: CAMEL Framework Approach

Out of around 250 digital banks in the world, 20% are in Asia Pacific region, and only around 5% have crossed the profitability line. Bank Jago is the sixth digital bank in Indonesia. The objective of current research is to analysis financial soundness of PT Bank Jago Tbk under CAMEL framework which includes capital, assets quality, management, earnings, and liquidity. This study employs non-statistical quantitative methods. Sampling method was utilized is purposive sample technique. The data utilized is secondary data on the financial performance of CAR, KAP, NIM, ROA, and LDR, presented as a yearly time series from 2018 to 2022. The data was taken from PT Bank Jago's yearly report, which is accessible at the bank’s web address. Data analysis was carried out by employing a horizontal analysis technique. Finding of the study conclude that Bank Jago has very strong capital, as indicated by the CAR ratio. Bank Jago's asset quality as reflected on KAP ratio is in good condition. Bank Jago's management, as indicated by the NPM ratio, Bank's profitability as indicated by the ROA ratio, and Bank’s liquidity reflected by the LDR ratio, all off still at an unhealthy level. Going forward, Bank Jago will implement a plan to boost lending by working with partners in a variety of financing goods in order to enhance financial performance.

PERBANDINGAN TINGKAT KESEHATAN BANK SEBELUM PANDEMIK DAN MASA PANDEMIK COVID 19 DENGAN MENGGUNAKAN METODE RGEC PADA PT BANK NEGARA INDONESIA TBK PERIODE 2018 – 2020

This study aims to compare the soundness level of banks using the RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) method at PT. Bank Negara Indonesia (BNI), Tbk before the pandemic (2018-2019) and during the Covid-19 pandemic (2020). The type of research used is a type of quantitative research (quantitative descriptive). The data used in this study is secondary data, namely data from Bank Negara Indonesia, consisting of Financial Position Reports, Profit and Loss Reports and Governance Implementation Reports for 3 periods, namely 2018-2020. The results showed that the NPL ratio was 1.9%; 2.3%; 4.2% rated very healthy, healthy and healthy enough to meet the maximum limit of 5%. LDR ratio 88%; 91%; 86% with a very healthy predicate met the maximum limit of 85%. GCG Compost Value 2; 2; 2, healthy predicate. ROA ratio of 2.4%; 2.3%; 0.6% is considered very healthy for 2018 and 2019, while 2020 is considered quite healthy due to the pandemic. NIM ratio of 4.7%; 4.6%; 4.5% have a very healthy rating. CAR ratio of 18.5%; 19.7%; 16.8% rated very healthy for 3 consecutive years. Based on the results of the analysis, it was concluded that the use of the RGEC method to measure the health level of a bank before the pandemic and during the Covid 19 pandemic at Bank BNI experienced a decrease in the NPL ratio and ROA ratio so that in 2020 it only received the HEALTHY ENOUGH predicate during the Covid 19 pandemic.