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All Journal Jurnal Revenue : Jurnal Ilmiah Akuntansi Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Jurnal Ekonomi
Didin Rasyiddin Wahyu
Universitas Bina Bangsa
Economics, Econometrics & Finance

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PENGARUH LOAN TO DEPOSIT RATIO (LDR), NET INTEREST MARGIN (NIM) DAN NON PERFOMING LOAN (NPL) TERHADAP RETURN ON ASSET (ROA) PADA PT BANK UMUM NASIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) Didin Rasyiddin Wahyu
Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Vol. 1 No. 2 (2021): 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.v1i2.60

Abstract

Tujuan Penelitian ini adalah untuk mengetahui apakah LDR, NIM dan NPL berpengaruh terhadap ROA pada PT Bank Umum Nasional yang terdaftar di Bursa Efek Indonesia periode 2015-2019. Metode penelitian ini menggunakan metode penelitian kuantitatif deskriptif, populasi seluruh PT Bank Umum Nasional yang terdaftar di BEI periode 2015-2019 dan sampel 6 perusahaan berdasarkan metode purposive sampling, teknik pengumpulan data menggunakan data sekunder, teknik anaisis data yang digunakan dalam penelitian ini terdiri dari deskripsi statistik, uji asumsi klasik, analisis regresi linier berganda dan koefisien determinasi, hipotesis statistika terdiri dari analisis parsial (uji-T) dan analisis simultan (uji-F). Berdasarkan hasil penelitian dan perhitungan statistik diketahui uji-t (parsial) diperoleh nilai  NPM sebesar -3.502 > 2.048 dan sig uji t. 0,02 < sig 0,05, nilai  NIM sebesar 2.983 < -2.048 dan sig uji t. 0,06, nilai  NPL sebesar -0.497 < 2.048 dan sig uji t. 0.642 > sig 0,05 dan hasil uji-f (simultan) diperoleh nilai  sebesar 20.399 > 2.99 dan sig uji F 0,000 < sig. 0,05. Dengan demikian dapat disimpulkan bahwa secara parsial LDR berpengaruh terhadap ROA, NIM berpengaruh terhadap ROA, sedangkan NPL tidak berpengaruh terhadap ROA dan secara simultan LDR, NIM dan NPL berpengaruh terhadap ROA pada PT. Bank Umum Nasional yang terdaftar di Bursa Efek Indonesia periode 2015-2019
PENGARUH NON PERFORMING LOAN (NPL) DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP RETURN ON ASSETS (ROA) PADA BANK BUMN YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) Didin Rasyiddin Wahyu; Iis Nurasiah; Sri Rahayu
Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Vol. 3 No. 2 (2023): 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.v3i2.231

Abstract

The purpose of the study was to determine whether NPL and CAR affect the ROA of state-owned banks listed on the Indonesia Stock Exchange (IDX) for the 2012-2019 period. This research method uses quantitative research methods, the population in this study is all 4 state-owned banks and the samples used are 4 state-owned banks using saturated samples or saturation sampling, data collection techniques using secondary data, data analysis techniques used in this study consist of statistical descriptions, classical assumption tests, multiple linear regression analysis,  coefficient of determination and statistical hypothesis. Based on the results of the study, it is known that the NPL tcount is -7.678 < ttable -2.045 and the t-test sig is 0.000 < 0.05, the CAR tcount value is 1,113 < ttable 2,045 and the t-test sig is 0.275 > 0.05. And the F test result (simultaneous) obtained Fcalculate of 30.235 > 3.33 Ftable and the sig value of the F test 0.000 < 0.05. thus it can be concluded that partially NPL affects ROA and CAR does not affect ROA while simultaneously NPL and CAR affect ROA at state-owned banks listed on the Indonesia Stock Exchange for the 2012-2019 period
THE EFFECT OF DEPOSITS AND LOANS ON NET PROFIT AT NATIONAL COMMERCIAL BANKS LISTED ON THE IDX Didin Rasyiddin Wahyu; Aslihah Aslihah
Jurnal Ekonomi Vol. 12 No. 3 (2023): Jurnal Ekonomi, 2023, September
Publisher : SEAN Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine the effect of third party funds and credit distribution on operating income at Commercial Banks listed on the Indonesia Stock Exchange for the 2018-2022 period. The method used in this study is the Quantitative Approach. The population of this study is 42 National Commercial Banks listed on the Indonesia Stock Exchange and the determination of the number of samples using the purposive sampling method is 7 banks with financial statement data for the 2018-2022 period. Results of Hypothesis Test Testing, Third Party Funds Against Net Profit obtained a calculated value of > ttable (2.308 > -2.034) and a significant value of 0.028 < 0.05, then Ha was accepted and Ho was rejected. Therefore, it can be seen that there is a significant influence of Third Party Funds (DPK) on Net Profit in National General banking. Credit to Net Profit is obtained Because the calculated value of > table (7.135 > 2.034) and the significant value of 0.000 < 0.05, Ho is rejected and Ha is accepted. Based on significant tests, it was found that there was a significant influence between Credit and Net Profit in national general banks. Based on Test F, it is known that the value of Fcalculate > Ftable (76.649 > 3.35) and the significance value of 0.000 < 0.05, then Ho is rejected and Ha is accepted. Based on the significance test, there is an effect of Third Party Funds (DPK) and Credit together on Net Profit in national general banks. In conclusion, there is a partial influence between third party funds on Net Income, and there is an influence between credit on Net Income. Meanwhile, simultaneously there is a joint influence between third party funds and credit on Net Profit
PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL) DAN RETURN ON ASSETS (ROA) TERHADAP PERTUMBUHAN KREDIT PADA BANK PEMBANGUNAN DAERAH Didin Rasyiddin Wahyu; Putra Rahmatullah; Mamay Komarudin; Wahyu Widodo
Jurnal Revenue : Jurnal Ilmiah Akuntansi Vol. 4 No. 2 (2024): Jurnal Revenue : Jurnal Ilmiah Akuntansi
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/rev.v4i2.368

Abstract

The purpose of the study is to determine whether CAR, NPL and ROA affect Credit Growth at Regional Development Banks listed on the Indonesia Stock Exchange (IDX) for the 2018-2022 period. This research method uses quantitative research methods, the population in this study is all BPD banks totaling 28 banks and the sample used is 6 BPD banks using saturated samples or saturation sampling, data collection techniques using secondary data, data analysis techniques used in this study consist of statistical descriptions, classical assumption tests, multiple linear regression analysis,  coefficient of determination and statistical hypothesis. Based on  the results of the study, it is known that the CAR tcount is 2,472 > ttable 1,923 and the t-test sig is 0.002 < 0.05, the NPL tcount value is .326 < ttable 1,923 and the t-test sig is 0.747 > 0.05, the ROA t-count value is 2,519 > ttable 1,923 and the t-test sig is 0.001 < 0.05 And the F test results (simultaneous) are obtained Fcalculate is 7,442 > 3.33 Ftable and the F test sig value is 0.001 < 0.05. Thus it can be concluded that partially CAR has a positive effect on Credit Growth, NPL has a negative effect on Credit Growth and ROA has a positive effect on Credit Growth while simultaneously CAR, NPL and ROA affect Credit Growth at BPD Banks listed on the Indonesia Stock Exchange for the 2018-2022 period
Co-Authors Aslihah Aslihah Iis Nurasiah Mamay Komarudin Putra Rahmatullah Sri Rahayu Wahyu Widodo