LDR Ratio Research Articles

Analisis Tingkat Kesehatan Bank dengan Metode RGEC

This study aimed to determine the level of bank soundness with the RGEC method at PT. Bank Negara Indonesia (Persero), Tbk., and PT. Bank Syariah Indonesia, Tbk. The type of research used in this research is descriptive quantitative research. The type of data used is secondary data sourced from the analysis of the financial statements of PT. PT. Bank Negara Indonesia (Persero), Tbk., and PT. Bank Syariah Indonesia, Tbk. Based on the results of research on the health level of PT. Bank Negara Indonesia (Persero), Tbk., during the 2019-2020 period BNI bank was said to be healthy, and PT. Bank Rakyat Indonesia Syariah, Tbk shows that during the 2019 period, BSI banks were said to be less healthy because the NPL and LDR ratios were below the standard, namely 7% and 20%, respectively. In the period of 2020 PT. Bank Syariah Indonesia, Tbk has increased, namely the BRIS bank is said to be healthy.

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 Kinerja Keuangan Pada Lembaga Perkreditan Desa (LPD) Desa Adat Blahkiuh Kabupaten Badung

Financial Performance Analysis at the Village Credit Institution (LPD) of Blahkiuh Traditional Village Badung Regency. LPD is one of the policies of the Bali Regional Government in an effort to channel capital assistance to rural communities in Bali. The purpose of establishing the LPD is to support the smooth development of the village economy, especially for farmers and small entrepreneurs. By looking at the financial program, especially the balance sheet and income statement, it can be seen the financial condition of the LPD concerned. The ability to grow public trust in the LPD can be done by showing the financial performance of the LPD, where financial performance is carried out to see how far a company has implemented using the rules of financial implementation properly and correctly. Financial performance analysis is very useful for related parties, including: traditional village owners, managers, customers (borrowers and depositors). This study aims to determine the analysis of the financial performance of the Blahkiuh Traditional Village LPD in 2016-2020. The data analysis method used is a quantitative method using the calculation of financial ratio analysis. The results of this study indicate that the financial performance of the Blahkiuh Traditional Village LPD based on the liquidity ratio as measured by the LDR ratio is categorized as healthy, the profitability ratio as measured by the ROA ratio is categorized as healthy, the BOPO ratio is categorized as quite healthy, the ratio of earning assets as measured by the KAP ratio is categorized as healthy and the CPRR ratio is categorized as quite healthy.

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.

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>

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 RASIO CAR, NPL, DAN LDR TERHADAP ROA

ABSTRACT
 Banks are intermediary institutions for those who have excess funds and those who lack funds. The purpose of this study is as follows to test and analyze the ratio of CAR, NPL, and LDR simultaneously affect ROA, the ratio of CAR, NPL and LDR partially affect ROA and between CAR, NPL, and LDR which variable has a dominant influence on ROA. This analysis was carried out with a descriptive qualitative approach, in which the researcher systematically compiled the data obtained based on the results of interviews and group discussions. The conclusion of this study explains that the CAR variable shows a positive and significant effect on ROA. The NPL and LDR variables show a negative and insignificant effect on Return On Asstes (ROA). And the variable with the most dominant influence on ROA is CAR.

Analisis Perbandingan Kinerja Keuangan Bank Syariah dengan Bank Konvensional Perspektif Maqashid Syariah

Accounting as a complement (tahsiniyat) can turn into a necessity (hajiyat) at the maqashid level. Maqashid sharia is not the most decisive factor in giving birth to sharia economic products that can play a dual role as a tool of social control and socio-economic engineering to realize human benefit, sharia maqashid can provide philosophical and rational dimensions to sharia economic law products that are born in economic ijtihad activities contemporary sharia. Islamic banking, which is growing and developing in the country, is currently increasingly in demand by investors and potential investors. However, the problem is that people do not know how far the performance of Islamic banking is, when compared to the performance of conventional banks which first operated. This study is intended to compare the performance of the two banks, this is important so that investors, potential investors know and assess the performance of the two banks. Assessment of financial performance can be seen from the financial ratios of CAR, ROA, ROE, NPL, LDR, and BOPO. The research population is 14 Islamic commercial banks. The sample using purposive sampling, using 3 Islamic banks, Bank Negara Indonesia (BNI) Syariah, Bank Rakyat Indonesia (BRI) Syariah, Bank Mandiri Syariah and 115 conventional banks. Research data from the annual financial statements of the banks under study. The data analysis technique used the Mann-Whitney U Test. The results showed that there was no significant difference in the CAR ratio between Islamic banks and conventional banks. The ratio of ROA, ROE, NPL, LDR and BOPO there are significant differences between Islamic banks and conventional banks. The financial performance of Islamic banks is better in terms of the LDR ratio, while the financial performance of conventional banks is better in terms of the ratios of CAR, ROA, ROE, NPL, BOPO.

Pengendalian Internal Pemberian Kredit Mikro UMKM Untuk Menjaga Likuiditas Dimasa Pandemic Covid-19 Pada Bank BPR Serang Cabang Cinangka

The purpose of this paper is to answer how the internal control in the provision of MSME microcredit by the BPR Serang Bank Cinangka Branch during the Covid-19 Pandemic and find out how the liquidity is. The writing method used is descriptive qualitative, while the population used is the financial statements of BPR Serang Cinangka Branch with a sample of 2019-2020. The results of the discussion showed that the internal control in providing microcredit to MSMEs by Bank BPR Serang Cinangka Branch during the Covid-19 period were customer interviews, OTS, SLIK checking, curriculum vitae, and the application of 5C principles (character, capacity, capital, colleateral, and condition). Meanwhile, the liquidity of Bank BPR Serang Cinangka Branch during the Covid-19 period based on the results of the calculation of the Quick Ratio of BPR Serang Cinangka branch in 2019-2020 illiquid conditions of its current assets, based on the LAR ratio in 2019 healthy conditions and in 2020 unhealthy conditions or unable to meet demand for credit from assets owned or assets, based on LDR ratio in 2019-2020 very healthy condition, based on NPL ratio in 2019 NPL below 5% means healthy condition but in 2020 NPL above 5% means less healthy, because based on the amount of NPL, a bank that is in a healthy category must have an NPL below 5%.

Pengaruh Risiko Kredit, Risiko Pasar, Dan Risiko Likuiditas Terhadapkinerja Perbankan Pada Tahun 2016-2020 (Studi Di Bank Pembangunan Daerah Indonesia)

The role of the banking system uses more of the financial system. The financial system has a very positive impact on bank performance. This study is to understand the risk of influence on banking which is analyzed using NPL, NIM, LDR ratios related to financial performance at Regional Development Banks in Indonesia. The evidence used is from the annual financial report of the Financial Services Authority. The sample quantity is 5 Regional Development Banks in Indonesia using a time span from 2016-2020. In conducting observations using SPSS version 25 technique where observation data prove simultaneously, NPL, NIM, and LDR have a relevant impact on ROA. In partial, relevant NPL has a negative impact on ROA, NIM is relevant and has a positive impact on ROA, LDR is irrelevant and has a negative impact on ROA. In this observation, it is generated that Banking Risk as measured by the three ratios contained has a relevant impact on financial performance. Make sure that the Regional Development Bank is obliged to be able to recognize its business actions. In the observation where the company must include, reduce NPL and LDR because it will have a negative impact on ROA. Also increases NIM because it has a positive impact on ROA.
 Keywords: Financial Performance, NPL, NIM, LDR, ROA.

ANALISIS RASIO KEUANGAN PADA BANK BUMN dan BANK SWASTA GO PUBLIC TAHUN 2017-2019

: This study aims to analyze the financial performance of state-owned banks and private banks in terms of financial ratio analysis. In addition, this study is also intended to analyze the differences financial performance between state-owned banks and private banks. This research was conducted from 2017 to 2019 which included 20 samples of banking companies consisting of 4 state-owned banks and 16 private banks which were taken using a purposive sampling technique. Data were analyzed using financial ratios consisting of LDR ratio, ROA ratio, ROE ratio, and CAR ratio. Then the data were analyzed using the Independent T-test method. The analytical tools used in this research are Microsoft Excel 2016 and SPSS Version 24. The results of the study based on financial ratio analysis show that state-owned banks have better financial performance than private banks. Then the results of the Independent T-test statistical test showed that there was no difference in financial performance in terms of LDR, ROA, and CAR ratios, only the ROE ratio showed significant differences in financial performance between state-owned banks and private banks. Keywords: Financial Performance, LDR, ROA, ROE, CAR, State-Owned Banks, Private Banks

Financial Performance Analysis Before and After Acquisition: Empirical Study on PT. Bank Tabungan Pensiunan Nasional, Indonesia

The purpose of this study is to analyze the financial performance of PT. Bank Tabungan Pensiunan National Tbk before and after its acquisition in 2009-2019. To measure the health of banks using the RGEC method, risk profiles are measured using NPL and LDR ratios, Good Corporate Governance (GCG), Earnings (Rentability) are measured using ROA, ROE, NIM, and BOPO ratios, and Capital (Capital) is measured using CAR ratios. The research design used is comparative quantitative, and the data collected is secondary data with documentation techniques. Using data analysis methods, namely Data normality test and paired sample t-test with the help of SPSS v.21 application. The results of this study found that in four ratios, there were differences before and after the acquisition, namely ROA, ROE, CAR, and GCG, while in four ratios, found no difference before and after the acquisition, namely NPL, LDR, NIM, and BOPO.

ANALISIS KOMPARATIF KINERJA KEUANGAN PERBANKAN MILIK NEGARA DAN MILIK SWASTA DI MASA PANDEMI COVID-19

This research’s aim is to compare the financial performance between state-owned banks and national private banks during the Covid-19 pandemic which is projected by the ratio of LDR, NPL, NIM, BOPO, CIR, ROA, ROE, and CAR. Purposive sampling method was used in the selection of samples. The sample banks of this research are four state-owned banks and nine national private banks. The research data were analyzed using Independent Sample T-Test and Mann Whitney U-Test. According to the results of hypothesis test conducted, financial performance of state-owned banks and national private banks during the Covid-19 pandemic did not show any significant differences in terms of the ratio of LDR, NPL, NIM, BOPO, CIR, ROA, and ROE. However, if projected with the CAR ratio, it shows the results that there is a significant difference between the financial performance of state-owned banks and national private banks during the Covid-19 pandemic.

ANALISIS EFEKTIVITAS KINERJA KEUANGAN PADA PT. BANK RAKYAT INDONESIA Tbk DAN PT. BANK NEGARA INDONESIA Tbk PERIODE 2016-2020

Abstract
 The banking sector as part of the financial system plays an important role as an intermediary institution for sectors involved in the economy, therefore the soundness of banks needs serious attention because it involves the interests of many related parties, both owners, government, and society. banking service users. This study discusses the assessment of the effectiveness of the financial performance of Bank Rakyat Indonesia and Bank Negara Indonesia using financial ratios for the 2016-2020 period. The results showed that in terms of the ratio of CAR, Gross NPL, and LDR, BRI and BNI banks met the financial performance effectiveness standards according to Bank Indonesia. BRI's ROA and ROE ratios meet the financial performance effectiveness standards according to the OJK, while BNI's bank for 2020 has not been effective. BRI's NIM ratio is said to be effective while BNI's bank is not effective in 2017-2020. Likewise for the BOPO ratio, the BRI banking BOPO ratio is not effective in 2019-2020. BNI's BOPO ratio for the last five years has not met the financial effectiveness standards according to the OJK. In general, there is no significant difference between the level of effectiveness of the financial performance of BRI and BNI banks.

Financial Performance Analysis using the Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) Method

The Indonesian economy at this time cannot be separated from financial services such as banking. Banks on a daily basis need to show their performance so that bank service users can see whether the bank is good or not. The purpose of this study was to compare the soundness of banks at PT Bank Capital Indonesia Tbk and PT Bank Jago Tbk for the 2018-2020 period using the RGEC method. The object of this research is PT Bank Capital Indonesia Tbk and PT Bank Jago Tbk. The data used is quantitative data. The data source used is secondary data in the form of financial reports that have been published by the official website www.bankcapital.co.id and www.jago.com or through the official website www.idx.co.id. The technique used is the documentation technique. And the analysis technique used is Bank Indonesia regulation No. 13/1/PBI/2011. The results of this study indicate that the assessment of the Risk Profile on the NPL ratio of PT Bank Capital Indonesia Tbk and PT Bank Jago Tbk in Healthy conditions, and the assessment of the LDR ratio of PT Bank Capital Indonesia Tbk in Very Healthy conditions while PT Bank Jago Tbk in Healthy conditions. For the assessment of GCG aspects, the Self Assessment of PT Bank Capital Indonesia Tbk is in Good Enough condition, while PT Bank Jago Tbk is in Good condition. Furthermore, for the assessment of the Earnings aspect of the ROA ratio to PT Bank Capital Indonesia Tbk in an Unhealthy condition, while PT Bank Jago Tbk in an Unhealthy condition. And the assessment of the Capital aspect on the CAR ratio of PT Bank Capital Indonesia Tbk and PT Bank Jago Tbk in Very Healthy condition.

Financial Performance Analysis using the Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) Method

The Indonesian economy at this time cannot be separated from financial services such as banking. Banks on a daily basis need to show their performance so that bank service users can see whether the bank is good or not. The purpose of this study was to compare the soundness of banks at PT Bank Capital Indonesia Tbk and PT Bank Jago Tbk for the 2018-2020 period using the RGEC method. The object of this research is PT Bank Capital Indonesia Tbk and PT Bank Jago Tbk. The data used is quantitative data. The data source used is secondary data in the form of financial reports that have been published by the official website www.bankcapital.co.id and www.jago.com or through the official website www.idx.co.id. The technique used is the documentation technique. And the analysis technique used is Bank Indonesia regulation No. 13/1/PBI/2011. The results of this study indicate that the assessment of the Risk Profile on the NPL ratio of PT Bank Capital Indonesia Tbk and PT Bank Jago Tbk in Healthy conditions, and the assessment of the LDR ratio of PT Bank Capital Indonesia Tbk in Very Healthy conditions while PT Bank Jago Tbk in Healthy conditions. For the assessment of GCG aspects, the Self Assessment of PT Bank Capital Indonesia Tbk is in Good Enough condition, while PT Bank Jago Tbk is in Good condition. Furthermore, for the assessment of the Earnings aspect of the ROA ratio to PT Bank Capital Indonesia Tbk in an Unhealthy condition, while PT Bank Jago Tbk in an Unhealthy condition. And the assessment of the Capital aspect on the CAR ratio of PT Bank Capital Indonesia Tbk and PT Bank Jago Tbk in Very Healthy condition.

Analisis Perbandingan Kinerja Keuangan PT. Bank Syariah Mandiri dengan PT. Bank Muamalat Indonesia

This study aimed to investigate and prove empirically about the differences between the financial performance of PT. Syariah Mandiri and PT. Bank Muamalat Indonesia during the period 2017-2021. This study was a descriptive comparative study. The data used are secondary data in the form of financial statements of companies that obtained from published financial statements of Bank Indonesia at www.bi.go.id sites as well as from the official website of each bank. Data analysis was performed using financial ratio analysis of CAR, NPM, ROA, BOPO,LDR. And analysis technique which was use to see the comparison between the performance of Bank Syariah Mandiri and Bank Muamalat Indonesia was the method of Independent sample t-test. The analysis conducted shows that there are significant differences for the ratio of NPM, ROA, BOPO. While the ratio of CAR and LDR there was not a significant difference.

Analisis Kinerja Keuangan Dengan Menggunakan Rasio Likuiditas, Solvabilitas Dan Profitabilitas Pada PT. Bank BNI (Persero), TBK

Banking is an industry that handles cash, credit, and other transactions. So that banking is defined as the backbone in building the economic and financial system in Indonesia as well as channeling funds for the community which aims to support the implementation of national development in order to increase equitable distribution of development and its results, and to assess the financial performance of a bank can be seen from how many indicators , one of which is the financial statements. Financial report is a report that contains the recording of money and transactions in and out of banking, and has economic and monetary value. The purpose of this research is “to study and understand the financial performance of PT. BNI Persero, Tbk, based on liquidity ratios, solvency and profitability ratios”. This study uses descriptive and quantitative methods of measuring liquidity ratios, solvency and profitability ratios. Based on this method, it can be seen that the results of the financial performance of PT. BNI Persero, Tbk is liquid because it meets the standard ratio of Indonesia. Then it can be seen that the LDR ratio has decreased for 3 years. Based on the solvency ratio, the bank's position is solvable, because BNI Persero is in sufficient condition to guarantee both short-term and long-term debt.