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All Journal Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Bina Bangsa International Journal of Business and Management
Wahyu, Didin Rasyiddin
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS KREDIT BERMASALAH PADA PT BANK WOORI SAUDARA INDONESIA 1906 TBK Wahyu, Didin Rasyiddin; Hasanah, Siti Maulidah
Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Vol. 4 No. 1 (2024): Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/vls.v4i1.253

Abstract

Credit quality determination refers to Bank Indonesia regulations, namely  PBI No.14/15/PBI/2012 concerning Asset Quality Assessment of Commercial Banks. For non-performing loans that arise, immediate handling is needed by the bank so that it is not sustainable into bad loans and affects the bank's health level        The purpose of this study is to analyze the development of non-performing loans, find out the causes of non-performing loans and find out how to handle non-performing loans at PT Bank Woori Saudara Indonesia 1906 Tbk  The method used in this study is descriptive qualitative method. While the data collection techniques carried out are literature study techniques or secondary data and non-statistical quantitative data analysis techniques using Net Performing Loan financial ratios  The results of this study state that the average NPL for 5 years starting from 2018-2022 is 1.821% in accordance with Bank Indonesia (BI) regulation No. 15/2/PBI/2013 if ≤ 5%, then the company's health level is at a healthy predicate        The discussion of this research is the analysis of non-performing loans at PT Bank Woori Saudara Indonesia 1906 Tbk for the 2018-2022 period, the causes of non-performing loans and how to handle non-performing loans        The conclusion of  this study is that the average NPL 2018-2022 of 1.821% or ≤ 5% is in a healthy predicate, the causes of non-performing loans are caused by the Covid-19 pandemic, internal bank factors and debtor ineligibility while the way to handle it is the Covid-19 pandemic relaxation policy, rescheduling, reconditioning and restructuring
The Effect of Capital Adequacy Ratio (CAR) and Debt to Equity Ratio (DER) on Return On Asset (ROA) in State-Owned Banks Listed on the Indonesia Stock Exchange Wahyu, Didin Rasyiddin; Sofyani, Fitri; Munawaroh, Munawaroh; Widodo, Wahyu; Komarudin, Mamay
Bina Bangsa International Journal of Business and Management Vol. 4 No. 1 (2024): Bina Bangsa International Journal of Business and Management
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/bbijbm.v4i1.86

Abstract

Increasingly fierce business competition requires banks to increase competitiveness in attracting investors. Investors before investing their funds need information about the company's performance. The use of bank financial statements requires information that can be understood, relevant, and can be compared to evaluating the bank's financial position and performance as well as being useful in economic decision-making. This study was conducted to find out whether the Capital Adequacy Ratio (CAR) and Debt To Equity Ratio (DER) have an effect on Retrun On Asset (ROA) in state-owned banks for the period 2015 – 2022. The method used in this study is a quantitative method.  The population in this study is state-owned banks listed on the Indonesia Stock Exchange (IDX) for the period 2015 – 2022. The population used by 4 banks. The number of samples studied was 32 obtained from 4 banks multiplied by 8 years of financial statements. The analysis technique used is multiple linear regression which includes classical assumption tests, as well as partial tests (t-test) and simultaneous tests (F-test) with a significant level () = 0.05 percent. The data was tested using the help of  IBM SPSS version 26 software and Microsoft Excel. The results of the study show that the hypothesis of the t-test is a significant value (Sig) for the CAR variable of 0.009 < 0.05, and t-count (2.792) > t-table (2.04227), so  the Capital Adequacy Ratio (CAR) has an influence on Return On Asset (ROA). The significant value (Sig) for the DER variable is 0.000 < 0.05, and the t-count (-4.159) < t-table (2.04227), so the Debt to Equity Ratio (DER) has no effect on  the return on asset (ROA) of the stock. For the F test, which is a significant value of 0.000 < 0.05, and F-count (21.509) > F-table (3.34), then simultaneously there is an influence on Return On Asset (ROA). The conclusions obtained in this study show that the Capital Adequacy Ratio (CAR) partially affects Return On Asset (ROA), while Debt to Equity Ratio (ROA) has no effect on Return On Asset (ROA). Simultaneously, the Capital Adequacy Ratio (CAR) and Debt to Equity Ratio (DER) have an effect on Return On Asset (ROA)
Co-Authors Hasanah, Siti Maulidah Mamay Komarudin Munawaroh Munawaroh Sofyani, Fitri Wahyu Widodo