CAR Ratio Research Articles

Impact of The Covid-19 Outbreak on The Stability of Sharia Banking Financial Performance

The Covid-19 pandemic which became an epidemic throughout the world including Indonesia, so that all sectors including the economy experienced contractions, one of which was Islamic Commercial Banks which faced challenges in the midst of the Covid-19 outbreak such as possible risks to financial performance, so the purpose of this study is to analyze financial performance. Islamic commercial banks during the covid-19 pandemic and are expected to increase economic growth and maintain stability in economic conditions, using ROA, CAR, NPF, FDR and ERM ratios as variables, with a sample of 11 Islamic Commercial Banks, research using comparative quantitative methods, data processed with the paired sample t-test and the data taken are the financial statements of Islamic Commercial Banks for the previous 2018 – 2019 period, and the 2020 – 2021 period after covid-19. The result is that there are significant differences in the CAR, ROA, FDR and ERM ratios on the financial performance of Islamic banking before and after covid-19, while the NPF is not significant.

ANALISIS KINERJA KEUANGAN PERBANKAN SEBELUM DAN SESUDAH PENERAPAN BRANCHLESS BANKING DI INDONESIA

To improve financial inclusion, the government, through the Financial Services Authority (OJK), organized the Branchless Banking (Laku Pandai) program which aims to flatten the provision of formal financial institutions access. In this program, banks can expand their reach without constructing physical offices through collaboration with bank agents as financial intermediaries. This study aims to analyze the banking financial performance using CAMEL method on each Conventional Commercial Banks before and after the implementation of Branchless Banking in year of 2010-2019. This study uses a quantitative approach with the comparative research type and using non-parametric statistical test equipment (Wilcoxon signed-rank test) on its hypothesis test. Sample determination uses a purposive sampling technique resulting in the usage of 7 Conventional Commercial Banks (BRI, Mandiri, BTPN, BCA, BTN, BNI, and BPD Kaltim) as samples in this study. The results showed that in the CAR ratio, there were 7 banks that experienced significant differences. In the NPL ratio, there were 4 banks with significant differences. There were 3 banks that experience significant differences in NPM ratio. While, there were 6 banks with significant differences in its ROA. Last, the LDR ratio showed 6 banks that experience Branchless Banking in Indonesia.

New Evidence of Semi-Mangrove Plant Barringtonia racemosa in Soil Clean-Up: Tolerance and Absorption of Lead and Cadmium.

Mangrove plants play an important role in the remediation of heavy-metal-contaminated estuarine and coastal areas; Barringtonia racemosa is a typical semi-mangrove plant. However, the effect of heavy metal stress on this plant has not been explored. In this study, tolerance characteristics and the accumulation profile of cadmium (Cd) and lead (Pb) in B. racemosa were evaluated. The results indicated that B. racemosa exhibited a high tolerance in single Cd/Pb and Cd + Pb stress, with a significant increase in biomass yield in all treatment groups, a significant increase in plant height, leaf area, chlorophyll and carotenoid content in most treatment groups and without significant reduction of SOD, POD, MDA, proline content, Chl a, Chl b, Chl a + b, Car, ratio of Chl a:b and ratio of Car:Chl (a + b). Cd and Pb mainly accumulated in the root (≥93.43%) and the content of Cd and Pb in B. racemosa was root > stem > leaf. Pb showed antagonistic effects on the Cd accumulation in the roots and Cd showed antagonistic or synergistic effects on the Pb accumulation in the roots, which depended on the concentration of Cd and Pb. There was a significant synergistic effect of Cd and Pb enrichment under a low Cd and Pb concentration treatment. Thus, phytoremediation could potentially use B. racemosa for Cd and Pb.

Analisis Perbandingan Kinerja Keuangan Bank BNI Syariah Dan Bank BRI Syariah Di Masa Pandemi Covid-19

Financial performance as a measuring tool to determine the process of implementing financial resources owned by the company. The Covid-19 pandemic had an impact on the banking sector, resulting in non-current financing due to debtor arrears as a result of many people losing their jobs and difficulties in paying financing. This study has the aim of conducting a comparative analysis of financial performance between BRI Syariah Banks and BNI Syariah Banks during the Covid-19 pandemic, using financial report notes for quarter 1, 2, 3 and 4 for 2019, quarter 1 for 2020 through independent testing. Sample T-Test. There is a difference between the financial performance of Bank BNI Syariah and Bank BRI Syariah from the aspect of ROA, NPF and BOPO, while from the aspect of CAR and ROE it shows that there is no significant difference between the financial performance of BRI Syariah Bank and BNI Syariah Bank. This paper recommends to BNI Syariah to pay attention to the ROE and NPF ratios, while to BRI Syariah Banks to pay attention to the CAR, ROA and BOPO ratios.

Bank Health Analysis at PT. Bank NTB Syariah With Risk Based Bank Rating and Financial Distress Method

This study aims to determine the health level of PT Bank NTB Syariah in 2019-2020. This research uses quantitative research. The data collection method used in this research is the documentation method. The data analysis technique used is to analyze financial statements in accordance with PJOK Number 8/POJK.03/2014 CHAPTER II Article 6 No. 1 and Article 2 Bank Indonesia Regulation No. 13/1/PBI/2011. The results of the study show that the risk profile or risk profile of Bank NTB Syariah in 2019 and 2020 seen from the NPF value obtained a healthy predicate, while if viewed from the FDR value in 2019 the NPF value received a healthy predicate, but in 2020 it received a Fairly Healthy predicate. Earnings or Profitability of Bank NTB Syariah in 2019 and 2020 obtained the title Very Healthy as reflected in the ROA ratio value of more than 1.5% Capital or Bank NTB Syariah capital in 2019 and 2020 obtained the predicate very healthy as reflected in the calculation of the CAR ratio exceeding the limit 12%. Based on the Self-Assessment in the report on the implementation of Good Corporate Governance, Bank NTB Syariah in 2019 and 2020, obtained a composite rating of 2 with the "Good" predicate category. The NPF, ROA and CAR ratio values ​​indicate the condition of the Islamic NTB Bank in a healthy condition and no potential for Financial Distress to occur.

Kinerja Bank Perkreditan Rakyat di Kabupaten Badung Bali Sebelum dan Selama Pandemi Covid-19

The financial performance of the banking sector is very important because it can be an early indication of a financial crisis, which can trigger an economic crisis in a country. The purpose of this study was to determine the financial performance of Rural Banks (BPR) in Badung Regency, Bali Province before and during the covid-19 pandemic. BPR financial ratio data for the 2016-2019 period is used as BPR performance data before the covid-19 pandemic, while financial ratios in 2020 are used as BPR performance data during the covid-19 pandemic. The results showed that the CAR ratio increased and differed significantly compared to before the covid-19 pandemic. The NPL ratio also shows an increase and is significantly different compared to before the covid-19 pandemic. The ROA ratio shows a decrease and is significantly different compared to before the covid-19 pandemic. The BOPO ratio shows an increase and is significantly different compared to before the covid-19 pandemic. Meanwhile, the LDR ratio showed an increase but was not significantly different from before the covid-19 pandemic. The change in financial ratios shows a decline in the performance of BPRs in Badung Regency during the covid-19 pandemic.

DIFFERENCES IN BANKING FINANCIAL PERFORMANCE BEFORE AND AFTER MERGER (CASE STUDY OF DOMESTIC BANKS IN INDONESIA)

This study is to determine whether there are differences in the financial performance of banks before and after the merger as measured using the rasio of banking financial performance observation period of 2 years before and 2 years after the merger (2017-2021). The analytical method used in this research is descriptive analysis and the Paired Sample T test difference test to determine the difference with data that are normally distributed. The results of the descriptive analysis in this study showed an increase in the ratio of BOPO, CAR, and NPL, while the ratio of NIM, LDR, ROA, and ROE tended to decrease. The results of the Paired Sample T test at Bank Oke Indonesia showed that only the NPL ratio showed a difference between before and after the merger, while the results of the Paired Sample T test at Bank IBK Indonesia showed only the CAR and LDR ratios which showed a significant difference. between before and after the merger, as well as the results of the Paired Sample T test at Bank Danamon Indonesia showed that only the BOPO, ROA, and LDR ratios showed a difference between before and after the merger.

Analysis of Financial Performance of Conventional and Islamic BUMN Banks Before and During the Covid-19 Pandemic

Almost all economic sectors in the world have been affected by the Covid-19 pandemic, including the national banking industry in Indonesia. This study purpose was to examine the differences in the financial performance of State-Owned Conventional Banks and State-Owned Sharia Banks before and during the Covid-19 pandemic. The assessment of financial performance uses the CAR ratio, NPL ratio (for conventional banking) and NPF ratio (for Sharia banking). The database used is the 2019 and 2020 banking financial reports in the website of Financial Services Authority and the websites of each bank. Based on purposive sampling technique, the selected banks that meet the criteria are BRI bank, Mandiri bank, BNI bank, BTN bank, BRI Syariah bank, BNI Syariah bank, and Syariah Mandiri bank. The results of paired sample t test analysis showed that Ho was accepted, meaning that there was no difference in the performance of Capital Adequacy Ratio at SOCB before and during the Covid-19 Pandemic. The analysis of paired sample t test for SOSB, which is seen from the CAR, shows that there is no difference in the performance of CAR ratio of SOSB before and during the Covid-19 pandemic. This indicates that both SOCB and SOSB can maintain their capital adequacy ratio. Conversely, the performance of SOCB credit financing (NPL), using the paired sample t test, shows that there is a difference in the NPL performance of SOCB before and during the Covid-19 pandemic. Meanwhile, contrary to the NPL results of SOCB, the NPF of SOSB shows no difference, both before the Covid-19 pandemic and during the Covid-19 pandemic. This indicates that the performance of SOSB credit financing (NPF) is relatively safe compared to the performance of SOCB (NPL) credit financing.

Factors affecting the number of banking loans during the covid-19 pandemic (empire study on Indonesian conventional commercial banks in 2020-2021)

This article discusses the factors that affect the amount of bank credit during the covid-19 pandemic. The decline in the number of loans disbursed in early 2020 led to overall economic instability. This phenomenon has sparked interest in researching factors affecting the amount of credit to provide solutions to the problems faced. Unlike previous research, this research focused on the amount of credit disbursed during the Covid-19 pandemic. In addition, this study also used all samples of conventional commercial banks registered with financial services authorities in Indonesia. The data used are banking financial reports in 2020 and 2021. This study analyzes banking performance as measured by the ratio of CAR, OEOI, LDR, NIM, and ROA whether or not it affects the amount of credit disbursed during the Covid-19 pandemic. The research method used is a test of classic assumptions and multiple linear regression analysis. The analysis results show that CAR, NIM, and ROA significantly positively affect the amount of credit distributed. Meanwhile, the LDR significantly negatively affects the amount of credit disbursed. These four variables affect the amount of credit disbursed by the bank. Bank management must pay attention to banking performance, especially the ratio of CAR, NIM, ROA and LDR so that the role of banks in disbursing loans remains optimal during the Covid-19 pandemic. The limitation in this study is that the number of variables studied is only 5 that have not shown a major influence in influencing the amount of credit disbursed. Further research is expected to examine many variables that show a large influence on the amount of credit disbursed to provide solutions for banks in increasing the amount of credit.

Analysis of Differences in Bank Health Levels Using the RGEC Method (Case Study on Foreign Exchange National Private Commercial Bank)

This study aims to determine comparation of the health level of Foreign Exchange Banks before and during the Covid-19 Pandemic from the aspect of Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital (RGEC). In this study, the assessment of the Risk Profile factor seen from credit risk is measured by the NPL ratio and liquidity risk is measured by the LDR ratio, the Good Corporate Governance (GCG) factor is measured by the bank's self-assessment, the Earnings factor is measured by the ROA and NIM ratios, and the Capital factor measured by the CAR ratio.The results of the study concluded that the health level of the Foreign Exchange National Private Commercial Bank before and during the Covid-19 pandemic was in the Very Healthy criteria. This is shown by the differences in the LDR, ROA, NIM and CAR ratios before and during the Covid-19 pandemic and there are no differences in the NPL and GCG ratios before and during the Covid-19 pandemic. Keywords: bank health level; risk profile; good corporate governance; Earnings; capital

FINANCIAL DISTRESS PADA SEKTOR BANK CAMPURAN DI INDONESIA DENGAN RASIO CAMEL SEBAGAI ALAT UKUR. PERIODE STUDI 2014 – 2019.

This study aims to analyze the effect of the CAMEL ratio as measured using the ratio of CAR, NPL, ROA, ROE, LDR and BOPO to financial distress in the mixed bank sector in Indonesia for the period 2014-2019. Data were analyzed using multiple regression and hypothesis testing F test for simultaneous effect and T test for partial effect. The results of this study indicate that the ratio of CAR, NPL, ROA, ROE and LDR partially has no significant effect on Financial Distress, while BOPO has a significant effect on Financial Distress. However, simultaneously the six ratios have an effect on the Financial Distress of Indonesian banks

Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode Risk-Based Bank Rating (RBBR) pada PT. Bank Mega Syariah Periode Tahun 2017-2021

This study analyzes the health level of banks using the Risk-Based Bank Rating (RBBR) method. The secondary data used in this study was taken from the Financial Statements of PT Bank Mega Syariah on the official website of PT Bank Mega Syariah for the period 2017-2021. The Risk-Based Bank Rating (RBBR) method based on BI Circular No. 13/24/DPNP uses Risk Profile, Earning and Capital assessments. The method used in this research is descriptive research method with a quantitative approach. The results show that the Risk Profile component calculated using the NPF ratio in 2017 was 2.75 percent, in 2018 it was 1.96 percent, in 2019 it was 1.49 percent, in 2020 it was 1.38 percent and in 2021. by 0.97 percent. In addition, the FDR ratio in 2017 was 91.05 percent, in 2018 it was 90.88 percent, in 2019 it was 94.53 percent, in 2020 it was 63.94 percent, and in 2021 it was 62.84 percent. In the Earning component calculated using the ROA ratio in 2017 it was 1.56 percent, in 2018 it was 0.93 percent, in 2019 it was 0.89 percent, in 2020 it was 1.74 percent and in 2021 it was 4.08 percent. In addition, the NIM ratio in 2017 was 6.03 percent, in 2018 it was 5.52 percent, in 2019 it was 5.36 percent, in 2020 it was 4.97 percent and in 2021 it was 4.35 percent. For the capital component calculated using the CAR ratio in 2017 it was 22.19 percent, in 2018 it was 20.54 percent, in 2019 it was 19.96 percent, in 2020 it was 24.15 percent and in 2021 it was 25.59 percent. From the results of the study, it is known that the ratio of ROA shows poor results.

PENILAIAN KINERJA RETURN PENGELOLAAN ASSET PERBANKAN (Studi Komparasi Pada Bank Umum Swasta Nasional Devisa dan Bank Asing)

<p><em>T</em><em>his study tried to analyse perfomance evaluation of banking asset management returns based on fundamental and macro factors from BUSND and foreign bank. This research also analyse the different of banking asset management Performance on BUSND and Foreign Bank. Multiple regression analysis method, F significance test, coefficient of determination and t significance test was used in This research. In order to find out the difference in asset return management between BUSND and foreign banks, a Chow-test was carried out.</em></p><em>This study simultaneously found that fundamental factors proxied by the ratio of CAR, NIM, BOPO, LDR, and macro factors using SBI interest rates and exchange rates had a significant effect on ROA both in BUSND and foreign banks. In BUSND the independent variables for fundamental factors that have a significant effect on ROA are CAR, NIM, BOPO, and macro factors, namely the SBI interest rate, for foreign banks the results of the independent variables for fundamental factors that affect ROA are CAR, BOPO, and LDR . For the results of the Chow test, it was found that there was a significant difference between BUSND and foreign banks in terms of managing returns from the placement of bank assets (Return On Assets).</em>

Penilaian Tingkat Kesehatan Bank dengan Metode Risk Based Bank Rating pada PT. Bank Negara Indonesia Tbk Periode 2016-2020

This study raises the issue of how to assess bank health using the Risk Based Bank Rating method with ratios of NPL, LDR, GCG, ROA, NIM and CAR at PT. Bank Negara Indonesia Tbk 2016-2020. The purpose of this study was to determine the soundness of Bank Negara Indonesia Tbk with the Risk Based Bank Rating method by looking at the conditions based on the annual financial statements. With the results of the NPL ratio having a value of less than 2%, which means that lending is more than non-performing loans, the LDR ratio with the criteria of 85%-100% which means it is quite healthy to fulfill its obligations, the GCG ratio is in level 2 condition, which is generally good, ROA ratio that asset management is in good condition, the NIM ratio is above 3%, which means a high level of income and a CAR ratio is above 12% in a very healthy condition, which means that capital is carried out very effectively.

Implementation of Risk Management and Capital Structure on Financial Performance: A Study of Islamic Banking in Indonesia

This study examines the influence between risk management and capital structure on the financial performance of Islamic Commercial Banks (BUS) in Indonesia with 3 measurement proxies, namely ROA, ROE, and zakat. ROA's financial performance will be used as a key proxy in this study. Meanwhile, ROE and zakat will be used as additional proxies to see the difference in results between the three of them. Risk management is measured by parameters of credit/financing risk management (NPF), liquidity risk (FDR), and operational risk (BOPO). Meanwhile, capital structure is measured using the ratio of CAR and DER. This study also added five control variables: company size, income stability, asset growth, third-party funds, and financing. This study used panel data and purposive sampling techniques to determine the sample. Data obtained is on published financial statements of Islamic commercial banks for 2008-2019. The data analysis technique used is a multiple regression analysis technique using E-views 9 program. The results showed that BOPO and CAR variables affected financial performance (ROA), while NPF, FDR, and DER have no effect on financial performance (ROA), and there were inconsistencies in results with ROE and Zakat proxies.

PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), BEBAN OPERASI PENDAPATAN OPERASI (BOPO) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP NET INTEREST MARGIN (NIM) (Studi pada Bank Umum Swasta Nasional Devisa dengan Manajemen Konvensional yang T

Abstract: Banking is an institution that brings together those who need funds and those who have funds. One of the bank's assessments is the level of efficiency with financial ratios that can be seen in the financial statements. The level of efficiency is described by the NIM ratio. Based on data obtained from 18 Conventional Foreign Exchange National Private Commercial Banks, only 4 banks have NIMs in the healthy category (>6%), while other banks have NIMs in the unhealthy category (<6%). To maintain NIM in a healthy condition, it is necessary to know what factors influence it. This study aims to determine the effect of Capital Adequacy Ratio, Non Performing Loan, Operating Income Operating Expenses, and Loan to Deposit Ratio on Net Interest Margin (NIM). The population of this research is all National Private Foreign Exchange Commercial Banks with conventional management listed on the Indonesia Stock Exchange in 2015-2019. The data was taken through the official website of the Indonesia Stock Exchange and the Financial Services Authority and analyzed using the Classic Assumption Test, Correlation Coefficient Test, Coefficient of Determination Test, Simple Linear Regression Test, Multiple Linear Test, T Test, and F Test with the SPSS data processing application. The results showed that CAR had a significant positive effect on NIM, NPL had no effect on NIM, BOPO had a significant negative effect on NIM. BOPO is the ratio that most dominantly affects NIM, second is the CAR ratio, and the last is NPL, while LDR has no influence on NIM. From the results of this study, it is concluded that the better the CAR, NPL, BOPO, and LDR will increase the NIM at Conventional Foreign Exchange National Private Banks listed on the Indonesia Stock Exchange in 2015-2019 and BOPO is the most dominant ratio affecting NIM. The advice for banks is to always keep the bank's financial ratios in a healthy condition so that they can increase their net interest profits. Banks are also expected to be able to maintain the BOPO ratio in a healthy condition because BOPO has the most dominant influence on NIMKeywords: Capital Adequacy Ratio, Non-Performing Loan, Operating Expenses Operating Income, Loan to Deposit Ratio, Net Interest Margin

Kinerja Keuangan Bank Syariah di Indonesia Sebelum dan Selama Pandemi Covid-19


 
 This study aims to analyze the financial performance of Islamic banks between before and during the pandemic. This study uses an analysis of the level of bank soundness known as CAMEL, which is proxied by the ratio of NPF, FDR, ROA, BOPO, and CAR. This study uses a quantitative method by using a comparative approach that compares the similarities or differences of two or more properties and objects studied in a certain frame of mind. This study uses monthly financial statements for the years 2019-2020. The population in this study are Islamic banks in Indonesia registered with the Financial Services Authority (OJK) in the 2019-2020 period. The sampling technique in this study used the purposive sampling method. The data analysis method used is the paired sample t-test if the data is normally distributed and the Wilcoxon signed-rank test if the data is not normally distributed. The results showed a significant difference in the ratio of NPF, ROA and BOPO of Islamic Banks between before and during Covid-19. Meanwhile, there is no significant difference between before and during the pandemic for FDR and ROA in Islamic banks between before and during the pandemic.
 Keywords: Islamic Bank, Financial Performance, CAMEL, Pandemic Covid-19

Assessment of Bank's Financial Health Using Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) Analysis

This current situation in the banking world in Indonesia is experiencing increasingly fierce competition, increasingly difficult and open economic conditions. This study aims to determine the financial health of General Bank in Indonesia 2016–2020 using the RGEC method. This study uses quantified qualitative research method. The data analysis technique used is descriptive analysis. The results show in terms of the Risk Profile that the NPL ratio in the 2016–2019 period is categorized as "Healthy", and in the 2020 period it is categorized as "Sufficiently Healthy". Furthermore, the LDR ratio in the 2016–2019 period is categorized as "Sufficiently Healthy", and in the 2020 period it is categorized as "Healthy". From the GCG aspect, it shows that in the 2016–2020 period it is categorized as "Healthy". In terms of earnings, the ROA ratio in the 2016–2019 period is categorized as "Very Healthy", and ROA in the 2020 period is categorized as "Healthy". Furthermore, the NIM ratio in the 2016–2020 period is categorized as "Very Healthy". From a capital perspective, the CAR ratio in the 2016–2020 period is categorized as "Very Healthy". In terms of RGEC method, overall BRI, BNI, and BMRI banks in the 2016–2019 period was categorized as "Very Healthy", while in the 2020 period they were categorized as "Healthy".

Analisis Pengaruh Faktor Internal Bank Umum Syariah TeaAnalisis Pengaruh Faktor Internal Bank Umum Syariah tserhadap Index of Banking Crisis Periode 2013-2020rhadap Index of Banking Crisis (IBC) periode 2013-2020

This study aims to identify the resilience of Islamic commercial banks and examine the internal factors of Islamic banks that are thought to influence them. The resilience of Islamic commercial banks was identified using a modified banking crisis index (IBC) formed from the CAR and NPF ratio proxies, while hypothesis testing used WarpPLS as a tool to partially see the effect of Third-Party Funds, FDR, ROA, and BOPO to IBC. The sample of this research is 8 national private Islamic commercial banks in Indonesia for the period 2013-2020. As a result, 2019-2020 is a condition that has been identified as unable to withstand the crisis due to the disruption of the intermediation function. The results of the path analysis show that TPF has an insignificant negative effect, FDR has a significant positive effect, ROA has a significant negative effect, and BOPO has a significant negative effect on the Banking Crisis Index.

Performance of Conventional Banking, Impact of Indonesia's National Economic Recovery Program Due to the Covid 19 Pandemic

The goal of this study is to look at how traditional banking has performed over the previous three years, specifically the impact of LDR(X1), CAR(X2), BOPO(X3), and NIM(X4) on ROA(Y), where stimulus measures have been used to keep the economy moving forward after the COVID-19 epidemic.
 Research methodology: Financial services authorities provide time-series analysis of traditional banking performance reports from 2018 to 2021, processing with Stata 16 and the multiple linear regression techniques.
 Results: The average ROA is 2.23 percent, with a standard deviation of 0.32 percent, and swings in all independent variables may explain 80 percent of changes in bank profitability. The LDR Loan to Deposits Ratio significantly impacts bank profitability in terms of return on assets. The greater the CAR ratio, the higher the bank's profitability concerning its ROA. Assume that the BOPO grows while all other variables remain constant. In such an instance, a rise of 0.013 NIM will occur, positively impacting bank profitability on ROA. Limitations: The limitation of this research is the post-pandemic banking relaxation data. Contribution: To policymakers, to see the impact of final actions, whether they were correct or not.