The Prevention of Financial Distress on Banking Financial Performance in Indonesia (original) (raw)
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2021
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İlköğretim online, 2021
This research empirically explores the financial performance results of Indonesia Stock Exchange listed companies for seven years for the period 2010 to 2017 between PT BTN,Tbk (Persero) and PT BRI,Tbk (Persero). The financial ratio used consists in the ratio of capital adequacy, net profit margin, returns on assets, non-performing loans and deposit-related loans. This study only used a sample of two conventional banking companies in Indonesia, namely PT BTN,Tbk (Persero) and PT BRI,Tbk (Persero). Results from this research show that the PT BRI,Tbk (Persero) variabel Net Profit Margin, variabel Return on Asset Ratio, variabel Loan on Deposit, and variabel Capital Adequacy Ratio is better than PT BTN,Tbk (Persero). However, for variabel Non-Performing Loans, PT BTN,Tbk (Persero) is better than PT BRI,Tbk (Persero).
The Role of Corporate Governance and Risk Management on Banking Financial Performance in Indonesia
Jurnal Keuangan dan Perbankan
This research aimed to examine the effect of corporate governance on financial performance on bank listed on the Indonesia Stock Exchange (IDX) period 2011-2015, either directly or indirectly through credit risk and operational risk. This research used quantitative approach and the saturated sample method. There were 27 banks that categorized as sample. Furthermore, Partial Least Square (PLS) used for hypotheses and analysis test and free statistic calculation for Sobel Test version 4 for testing credit risk variables and operational risk as mediation. The results of this research showed that improving the implementation of corporate governance can reduced credit risk and operational risk and increased financial performance, whereas, low of credit risk and operational risk can increased financial performance. The results of mediation testing showed that credit risk and operational risk positively mediated the effect of corporate governance on financial performance. This explained that the implementation of good corporate governance can minimized the conflicts of interest and asymmetry information that leads to the cost of non-performing loans and additional capital costs that increased the company profitability. ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh antara tata kelola perusahaan terhadap kinerja keuangan pada perbankan yang terdaftar di Bursa Efek Indonesia (BEI) pada periode 2011-2015, baik secara langsung maupun tidak langsung melalui risiko kredit dan risiko operasional. Penelitian ini menggunakan pendekatan kuantitatif. Pengambilan sampel menggunakan metode sampel jenuh. Terdapat 27 perbankan yang memenuhi kategori sebagai sampel. Selanjutnya, Partial Least Square (PLS) digunakan untuk analisis dan pengujian hipotesis dan software Free Statistic Calculation for Sobel Test versi 4 untuk pengujian variabel risiko kredit dan risiko operasional sebagai mediasi. Hasil penelitian menunjukkan bahwa perbaikan pelaksanaan tata kelola perusahaan dapat menurunkan risiko kredit dan risiko operasional serta meningkatkan kinerja keuangan, sedangkan rendahnya risiko kredit dan risiko operasional dapat meningkatkan kinerja keuangan. Hasil pengujian mediasi menunjukkan bahwa risiko kredit dan risiko operasional memediasi secara positif pengaruh antara tata kelola perusahaan terhadap kinerja keuangan. Hal ini menjelaskan bahwa pelaksanaan tata kelola perusahaan yang baik dapat meminimalkan benturan kepentingan dan asimetri informasi yang menyebabkan timbulnya biaya cadangan penghapusan kredit macet dan biaya modal tambahan sehingga meningkatkan profitabilitas perusahaan.
2019
The implementation of Good Corporate Governance (GCG) in Indonesia has been running for 15 years since 2000. Good Corporate Governance is one of the pillars of the economic market system. GCG application provides an opportunity in creating and providing healthy completion environment and conducive investment climate. Based on this thinking, the GCG application by Indonesian banking become very important issue in order to produce economic success. This research aim is to get empirical test on GCG factors and other regulatory driven factors that is Capital Adequacy Ratio (CAR) and Non Performing Loan (NPL) and bank Size. Source of data is secondary data from 30 banking that is registered in BEI of year 2011-2015. Then using tools of analysis Eviews until the research get proceed that Capital Adequacy Ratio, Managerial Ownership and bank Size influence positive significantly on financial performance while other variable NPL has a insignificant negative effect and Committee Audit influence positive but insignificant on banking financial performance.
The Effect of Credit Risk Management on Financial Performance in Indonesian Banking
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The research has done on purpose to help determining the influence of credit risk management toward financial presentation in Indonesian banking from 2017 to 2021. CAR, NPLR, LDR, NIM, and Bank Size ratios are used to measure credit risk, while ROA and also ROE ratios tend to be applied in order to help assess financial performance. The research technique and data used in this research are quantitative descriptive, including secondary data contained in the financial reports of 33 Indonesian banks registered on the Indonesia Stock Exchange from 2017 to 2021 that satisfied the sampling criteria. This rstudy findings are shown that credit risk management (as measured by CAR) has no intermediate impact on ROA and ROE, NPLR gives such a negative and also significant influence toward financial performance as assesed by ROA and ROE, LDR has no impact on financial presentation as assesed by ROA and ROE, NIM gives no influence toward financial performance as calculated by ROA and ROE, and al...
Key Determinants of Indonesia’s Banks Financial Performance
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An Empirical Study of Commercial Banks Performance: The Indonesian context
Proceedings of the International Conference on Banking, Accounting, Management, and Economics (ICOBAME 2018), 2019
The bank's performance is the achievement of the bank's operational activities in using its resources. The purpose of this study is to test the performance of banks listed on the Indonesia Stock Exchange. The data used is secondary data, which is obtained by purposive sampling method, and data analysis using multiple regression methods. The result shows that the Capital Adequacy Ratio, Operating Costs, and Loan to Deposit Ratio have a negatively and significantly influence to Return on Asset. The interest rate has a positive affect and significant. While Non-Performance Loan and the Inflation Rate is not a significant determinant of the performance of Return on Assets in Indonesian Banks. Keywords—financial ratios; inflation; interest rate; performance
International Journal of Management Studies and Social Science Research, 2024
total assets not exceeding Rp 20 trillion. Purposive sampling, involving specific criteria and objectives rather than random selection, was employed to select 11 Conventional Commercial Banks in the National Private Commercial Bank sector in Indonesia. The analytical methods employed include descriptive analysis, multiple linear regression analysis, assessments for normality, multicollinearity, heteroscedasticity, autocorrelation, hypothesis testing, and determination of coefficients. The findings reveal that the NPL and BOPO variables individually have a significant impact on ROA, whereas LDR and NIM variables individually do not exhibit a significant effect on ROA. Collectively, NPL, LDR, NIM, and BOPO significantly influence ROA in banking companies. The coefficient of determination test result, at 93.60%, indicates that 93.60% of the dependent variable ROA is influenced by the independent variables NPL, LDR, NIM, and BOPO, leaving 6.40% influenced by other unexamined factors in this study.
Proceedings of the Proceedings of the 1st International Conference on Finance Economics and Business, ICOFEB 2018, 12-13 November 2018, Lhokseumawe, Aceh, Indonesia, 2019
This study aims to examine the effect of Capital Adequacy Ratio (CAR), Financing to Deposite Ratio (FDR), Non Performing Ratio (NPF), Operating Expenses and Operating Income (BOPO), and Good Corporate Governance (GCG) towards the profitability of Islamic Banking listed in Bank of Indonesia for the period 2011-2015. The population of this study is all listed Islamic Bankings in Bank of Indonesia. The samples are the Islamic Banks that have been established for 5 years and have published audited financial statements and have implemented good corporate governance system during the study period. The data analysis in this research used quantitative approach with classical assumption test, multiple regression analysis and hypothesis test assisted by SPSS 20. The results shows that the regression model is independent of multicolinearity, heteroscedasticity, autocorrelation symptoms, and the data results are normally distributed. Multiple regression analysis shows that Capital Adequacy Rati...
International Journal of Business Marketing and Management (IJBMM), 2022
The purpose of this study is to determine the factors that influence risk management, capital, GCG, and efficiency on the financial performance of Islamic commercial banks in Indonesia. The population in this study were Islamic commercial banks in Indonesia and selected by purposive sampling and selected 10 Islamic commercial banks. The period of this research is from 2014 to 2019. The independent variables are risk, capital, GCG and efficiency, while the independent variable is financial performance. The process of collecting data is through downloading the annual report of each bank. Data analysis was carried out by descriptive analysis and statistical analysis, using Smart-PLS software. The results of the study are that risk has a significant effect on capital in Islamic commercial banks in Indonesia; 2. Risk has no significant effect on efficiency in Islamic commercial banks in Indonesia; 3. Risk has a significant effect on GCG in Islamic commercial banks in Indonesia; 4. Risk has no significant effect on the financial performance of Islamic commercial banks in Indonesia. 5. Capital has no significant effect on the efficiency of Islamic commercial banks in Indonesia; 6. Capital has a significant effect on the financial performance of Islamic commercial banks in Indonesia; 7. GCG has a significant effect on the efficiency of Islamic commercial banks in Indonesia; 8. GCG has no significant effect on the financial performance of Islamic commercial banks in Indonesia; 9. Efficiency has a significant effect on the financial performance of Islamic commercial banks in Indonesia.