Kecukupan Modal, Risiko Kredit, Rasio BOPO, dan Likuiditas pada Profitabilitas Bank
Abstract
Profitability is the ability of a bank to make a profit through the use of its assets. The health and stability of a bank is very important for the country's economy as well as for the business sector and for its customers. Banking financial ratios can be used to assess a bank's soundness. The purpose of this research is to gather empirical evidence about the impact of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Operational Cost of Operating Income (BOPO), and Loan to Deposit Ratio (LDR) on the profitability of conventional banks listed on the Indonesia Stock Exchange from 2017 to 2019. The research was carried out by examining the annual financial reports available on the IDX website. Purposive sampling was used as the sampling method. This study's sample consisted of 40 banking institutions. Multiple linear regression is used in the data analysis technique. Better capital adequacy and liquidity increased banking companies' ability to generate profits, according to the findings. Meanwhile, higher credit risk and BOPO ratios can limit a bank's ability to generate profits.
Keywords: Capital Adequacy; Credit Risk; BOPO; Liquidity; Profitability.
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References
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Bank Profitability: The Case of Indonesia. International Journal of Economics and Business Administration, 5(3), 58–69.
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Sjahrifa, Daryanto, W. M., & Anggadipa, V. K. (2018). Measuring the Financial Performance of Indonesian Banking Industry Using Risk-Based Bank Rating. International Journal of Business Studies, 2(1), 33–41. https://doi.org/https://doi.org/10.32924/ijbs.v2i1.31
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Thaibah, & Faisal. (2020). Pengaruh Kecukupan Modal, Ukuran Bank, Biaya Operasional Dan Likuiditas Terhadap Kinerja Keuangan Perbankan Yang Terdaftar Di Bursa Efek Indonesia. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, 5(2), 294–309.
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Vernanda, S. D., & Widyarti, E. T. (2016). Analisis Pengaruh CAR, LDR, NPL, BOPO, dan SIZE Terhadap ROA (Studi pada Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2010-2015). Diponegoro Journal of Management, 5(3), 1–13.
Ali, M., & Laksono, R. R. (2017). Pengaruh Net Interest Margin (Nim), Biaya Operasional Terhadap Pendapatan Operasional (Bopo), Loan To Deposit Ratio (Ldr) Dan Non Performing Loan (Npl) Terhadap Return on Assets (Roa). Jurnal Riset Akuntansi Dan Keuangan, 5(2), 1377–1392. https://doi.org/10.17509/jrak.v5i2.7853
Amalia, S., & Agustriyana, D. (2020). Does the Capital Adequacy Ratio ( CAR ), Non Performing Loans ( NPL ), and Net Interest Margin ( NIM ) Affect the Profitability of Banks ? : Case of Indonesia. 517–524.
Andrayani, E. A. (2018). Pengaruh Kecukupan Modal, Risiko Kredit, Efisiensi Operasional, dan Likuiditas Terhadap Profitabilitas Perusahaan Perbankan Di Indonesia. Jurnal Manajemen Bisnis Indonesia, 7(4), 378–389.
Ariyanto, D., Dewi, A. A., & Jhuniantara, I. M. G. (2020). Perceived learning assistance and perceived community building assistance: Study on e-learning system. Systematic Reviews in Pharmacy, 11(12), 330–339. https://doi.org/10.31838/srp.2020.12.53
Brastama, R. F., & Yadnya, I. P. (2020). The Effect of Capital Adequacy Ratio and Non Performing Loan on Banking Stock Prices with Profitability as Intervening Variable. American Journal of Humanities and Social Sciences Research (AJHSSR), 4(12), 43–49.
Buchory, H. A. (2016). Determinants of banking profitability in Indonesian regional development bank. Actual Problems of Economics, 177(3), 308–318.
Budisantoso, T., & Nuritomo. (2017). Bank dan Lembaga Keuangan Lain. Jakarta: Salemba Empat.
Candraningrat, I. R., Abundanti, N., Mujiati, N. W., Erlangga, R., & Jhuniantara, I. M. G. (2021). The role of financial technology on development of MSMEs. Accounting, 7(1), 225–230. https://doi.org/10.5267/j.ac.2020.9.014
Dendawijaya, L. (2003). Manajemen Perbankan. Jakarta: Ghalia Indonesia.
Dendawijaya, L. (2009). Manajemen Perbankan. Jakarta: Ghalia Indonesia.
Dewi, N. P. I. P., & Ariyanto, D. (2018). Pengaruh Tingkat Efisiensi , Risiko Kredit , dan Tingkat Penyaluran Kredit pada Profitabilitas Fakultas Ekonomi dan Bisnis Universitas Udayana ( Unud ), Bali , Indonesia Fakultas Ekonomi dan Bisnis Universitas Udayan. E-Jurnal Akuntansi Universitas Udayana, 24(2), 1164–1189.
Ependi, & Suhikmat. (2016). Pengaruh Risiko Kredit Dan Tingkat Kecukupan Modal Terhadap Profitabilitas Pada Perusahaan Perbankan Sektor Bumn Yang Terdaftra Di Bei Periode 2012-2016. Jurnal Manajemen FE-UB, 7(2), 72–89.
Febrianti, S., & Ladinus. (2019). Analisis Rasio Keuangan Dalam Memprediksi Tingkat Profitabilitas Bank Umum Konvensional (Studi Pada Bank Umum Yang Listing di BEI Periode 2012-2016. In Prosiding Seminar Nasional Pakar, 1–6. https://doi.org/10.1017/CBO9781107415324.004
Gadzo, S. G., Kportorgbi, H. K., & Gatsi, J. G. (2019). Credit Risk and Operational Risk on Financial performance of Universal Banks in Ghana: A Partial Least Squared Structural Equation Model (PLS SEM) Approach. Cogent Economics and Finance, 7(1), 1–16. https://doi.org/10.1080/23322039.2019.1589406
Harahap, S. (2009). Analisis Kritis atas Laporan Keuangan. Jakarta: Raja Grafindo Persada.
Hermawan, D. (2019). Pengaruh CAR, NPF, FDR, dan BOPO Terhadap Tingkat Profitabilitas Dengan Variabel Kontrol Size. 8(21), 1–88.
Hong, V. N. T. (2017). The impact of non-performing loans on bank profitability and lending behavior:Evidence from Vietnam. Journal of Asian Business and Economic Studies, 24(03), 27–44. https://doi.org/10.24311/jabes/2017.24.3.06
Hutagalung, E. N., Djumahir, & Ratnawati, K. (2013). Alamat Korespondensi: Analisa Rasio Keuangan terhadap Kinerja Bank Umum di Indonesia. Jurnal Aplikasi Manajemen, 11(1), 122–130.
Ikatan Bankir Indonesia. (2016). Manajemen Kesehatan Bank Berbasis Risiko. PT. Gramedia Pustaka Utama.
Janrosl, V. S. E., & Yuliani, Y. (2017). Analisis Kecukupan Modal, Risiko Kredit, Efisiensi Operasional, Pendapatan Dari Bunga Dan Likuiditas Terhadap Profitabilitas Perusahaan Perbankan Yang Terdaftar Di Bei. Jurnal Akuntansi (Media Riset Akuntansi & Keuangan), 6(1), 51–64.
Jufriadi, F., & Rasyid, R. (2019). Pengaruh Kecukupan Modal , Efisiensi dan Likuiditas Terhadap Tingkat Profitabilitas Bank Umum Konvensional Tahun 2012-2017. Jurnal Kajian Manajemen Dan Wirausaha, 01(17), 12–23.
Kasmir. (2018). Pemasaran Bank. Kencana.
Kuncoro, M., & Suhardjono. (2002). Manajemen Perbankan: Teori dan Aplikasi. Yogyakarta: BPFE.
Kusmayadi, D. (2018). Analysis of Effect of Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, Bopo, and Size on Return on Assets in Rural Banks at Indonesia. Saudi Journal of Business and Management Studies, 6663(July 2018), 786–795. https://doi.org/10.21276/sjbms.2018.3.7.4
Lebbe, A., & Rauf, A. (2016). Towards Increasing the Financial Performance: An Application of CAMEL Model in Banking Sector in the Context of Sri Lanka. Research Journal of Finance and AccountingOnline), 7(5), 2222–2847.
Liode, F. E., Mangantar, M., & Tulung, J. E. (2019). Terhadap Profitabilitas Pada Bank Pembangunan Daerah Se-Indonesia Periode Tahun 2013-2017 The Influence Of Capital Adequacy , Ldr , Npl , And Operational Efficiency On Profitability In The Indonesian Regional Development Banks In 2013-2017 Period. Jurnal EMBA, 7(4), 6076–6085.
Mariam, T. T., & Mergu, G. (2019). The Relationship Between Financial Performance And Camel Rating Of Commercial Banks In Ethiopia. International Research Journal of Commerce , Arts and Science, 10(8), 22–45.
Mukaromah, N., & Supriono, S. (2020). Pengaruh Kecukupan Modal, Risiko Kredit, Efisiensi Operasional, Dan Likuiditas Terhadap Profitabilitas Perbankan Yang Terdaftar Di Bursa Efek Indonesia Tahun 2015 – 2017. Journal of Economic, Management, Accounting and Technology, 3(1), 67–78. https://doi.org/10.32500/jematech.v3i1.1082
Nuryanto, U. W., Salam, A. F., Sari, R. P., & Suleman, D. (2020). Pengaruh Rasio Kecukupan Modal, Likuiditas, Risiko Kredit dan Efisiensi Biaya Terhadap Profitabilitas Pada Bank Go Public. Moneter - Jurnal Akuntansi Dan Keuangan, 7(1), 1–9. https://doi.org/10.31294/moneter.v7i1.6777
Pandoyo, S. (2020). Influence of Car, Ldr, Npl and Bopo on Roa on Commercial Banks Listed on the Indonesia Stock Exchange in 2010-2016. Journal of Economics, Finance and Management Studies, 03(12), 296–302. https://doi.org/10.47191/jefms/v3-i12-11
Pasaman, S. (2017). The Effect of Capital Adequacy Ratio, Net Interest Margin and Non-Performing Loans on
Bank Profitability: The Case of Indonesia. International Journal of Economics and Business Administration, 5(3), 58–69.
Ping, K. G., & Kusairi, S. (2020). Analysis of CAMEL Components and Commercial Bank Performance: Panel Data Analysis. Jurnal Organisasi Dan Manajemen, 16(1), 1–10. https://doi.org/10.33830/jom.v16i1.835.2020
Prasanto, O. (2020). Determinants of Bank Profitability: a New Evidence From State-Owned Banks in Indonesia. Trikonomika, 19(1), 29–35. https://doi.org/10.23969/trikonomika.v19i1.1443
Putra, A. G. S., Merawati, E. E., & Sudarmin. (2019). Kualitas Aktiva , Efisiensi Operasional , Dan Rentabilitas Terhadap Profitabilitas : Studi Empiris Pada Bank Umum Yang Tercatat di BEI. Jurnal Riset Manajemen Dan Bisnis (JRMB) Fakultas Ekonomi UNIAT, 4(S1), 697–708.
Putra, R. K., & Khairunnisa. (2020). Pengaruh Good Corporate Governance , Company Size , Dan Risiko Likuiditas Terhadap Profitabilitas. Jurnal Ilmiah MEA, 4(3), 1415–1433.
Putri, A., & Satrio, B. (2014). Pengaruh CAR, NPL BOPO, LDR dan NIM Terhadap Profitabilitas pada Perbankan. Jurnal Ilmu Dan Riset Manajemen, 8(7), 1–20.
Putri, N. M. I. U., & Mustanda, I. K. W. (2016). Pengaruh CAR, LDR dan NPL Terhadap ROA Pada Sektor Perbankan Di Bursa Efek Indonesia. E-Jurnal Manajemen Unud, 5(5), 2842–2870.
Saputra, I. E., & Budiasih, I. (2016). Pengaruh Kecukupan Modal, Risiko Kredit, Biaya Operasional Pendapatan Operasional Pada Profitabilitas Bank. E-Jurnal Akuntansi, 14(3), 2363–2378.
Setianingrum, K. A., Wibowo, E., & Utami, S. S. (2008). Pengaruh kecukupan modal, likuiditas, risiko kredit, dan efisiensi operasional terhadap profitabilitas perbankan umum swasta nasional di busa efek indonesia. Jurnal Ekonomi Dan Kewirausahaan, 18, 235–244.
Sjahrifa, Daryanto, W. M., & Anggadipa, V. K. (2018). Measuring the Financial Performance of Indonesian Banking Industry Using Risk-Based Bank Rating. International Journal of Business Studies, 2(1), 33–41. https://doi.org/https://doi.org/10.32924/ijbs.v2i1.31
Stanley, M. (2019). Morgan Stanley: Ekonomi RI Cuma 5 Persen Karena Perang Dagang. CNN Indonesia. https://www.cnnindonesia.com/ekonomi/20190812111857-532-420459/morgan-stanley-ekonomi-ri-cuma-5-persen-karena-perang-dagang. Diakses pada tanggal 24 September 2019
Sugiyono, P. D. (2019). Metode Penelitian Pendidikan (Kuantitatif, Kualitatif, Kombinasi, R&d dan Penelitian Pendidikan). Metode Penelitian Pendidikan.
Susilowati, Y., Poerwati, N. A. T., & Rahayuningsih, R. (2019). Analisis kecukupan modal, efisiensi dan likuiditas terhadap profitabilitas. Prosiding SENDI_U, 3(1), 1–8.
Thaibah, & Faisal. (2020). Pengaruh Kecukupan Modal, Ukuran Bank, Biaya Operasional Dan Likuiditas Terhadap Kinerja Keuangan Perbankan Yang Terdaftar Di Bursa Efek Indonesia. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, 5(2), 294–309.
Usman, B., & Lestari, H. S. (2019). Determinants of Bank Performance in Indonesia. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(2), 193. https://doi.org/10.24252/minds.v6i2.11282
Vernanda, S. D., & Widyarti, E. T. (2016). Analisis Pengaruh CAR, LDR, NPL, BOPO, dan SIZE Terhadap ROA (Studi pada Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2010-2015). Diponegoro Journal of Management, 5(3), 1–13.
Published
2021-07-25
How to Cite
WISAPUTRI, Anak Agung Istri Vita; RAMANTHA, I Wayan.
Kecukupan Modal, Risiko Kredit, Rasio BOPO, dan Likuiditas pada Profitabilitas Bank.
E-Jurnal Akuntansi, [S.l.], v. 31, n. 7, p. 1692-1709, july 2021.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/71239>. Date accessed: 02 dec. 2024.
doi: https://doi.org/10.24843/EJA.2021.v31.i07.p07.
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