Article Sidebar
Main Article Content
Abstract
This research examines the influence of financial performance in the form of Return on Assets (ROA), Return on Equity (ROE), Loan to Deposit Ratio (LDR) and Non-Performing Loans (NPL) on the Capital Adequacy Ratio (CAR) at People's Economic Banks registered with the OJK Indonesia for the period January 2018 to December 2022. The data analysis method used is the Error Correction Model (ECM) which analyzes the relationship between the independent variable and the dependent variable in the long term and short term. The results of the analysis show that in the long term the ROA variable has a negative and significant effect on CAR, the ROE variable has a positive and significant effect on CAR, the LDR variable has no significant effect on CAR and the NPL variable has a negative and significant effect on CAR. The results of this research are related to whether BPR will carry out an Initial Public Offering (IPO) from the UUP2SK perspective in looking at opportunities for BPR to enter the capital market.
Keywords
Article Details
References
- Abbas, A. (2018). Earnings management in banking industry and its impact on the firm value. AKRUAL: Jurnal Akuntansi, 10(1), 69-84.
- Basuki, AT, & Prawoto, N. (2016). Regression Analysis in Economics & Business Research (Equipped with SPSS & EVIEWS Applications). PT RajaGrafindo Persada.
- Darmawan, F. (2022). Factors that Influence Financing at BPR and BPRS in Indonesia (Vol. 33, Issue 1).
- Ekananda, M. (2016). Time Series Econometric Analysis (2nd Edition). Media Discourse Partners.
- Erdawati, L., Atikah, A., & Gunawan, Y.M. (2018). Analysis of the Influence of Risk and Profitability Profiles on Capital and Their Impact on the Performance of Conventional BPRs in Banten Province for the Period 2014 – 2018. 9(2).
- Handayani, R. (2016). Comparative Analysis Before and After the Initial Public Offering (IPO) on the Profitability of Bank Panin Syariah for the 2011-2016 Period.
- Mustofa. (2023). Uu P2Sk (Vol. 4, Issue 163979).
- Nurcahyaningtyas, OA, & Muizudin, A. (2016). The Influence of ROA, BOPO, LDR and NPL on BPR Capital (CAR) (Case Study of BPR in Kediri Regency). 1–23.
- Financial Services Authority. (2021). Banking Booklet 2021.
- Permata Hati, R., Budi Santoso, C., Fatchu Ukhriyawati, C., & Taufik Julianda, D. (2021). The Influence of Non-Performing Loans (NPL) and Profitability on Capital Adequacy Ratio (CAR) during the Covid 19 Pandemic (Case Study of Rural Banks in Batam City). Management, 8(1), 57–66. https://www.journal.unrika.ac.id
- Prihatinto, HY, & Setiadi, PB (2023). The Influence of Loan To Deposit Ratio (Ldr) and Non-Performing Loans (Npl) on Profitability in Rural Banks Hari Yunan Prihatinto, Pompong B. Setiadi Mahardhika College of Economics. 6, 934–941.
- Putri, NPSW, & Dana, IM (2018). The Influence of Npl, Liquidity and Profitability on Cars in Conventional BPR on a National Scale in Indonesia. Udayana University Management E-Journal, 7(4), 1862. https://doi.org/10.24843/ejmunud.2018.v07.i04.p06
- Sorongan, F.A. (2020). The Influence of Profitability, Non-Performing Loans (Npl), Liquidity and Inflation on the Capital Adequacy Ratio (CAR) (In Regional Development Banks for the 2016-2019 Period). JRMSI - Indonesian Science Management Research Journal, 11(2), 224–243. https://doi.org/10.21009/jrmsi.011.2.02
References
Abbas, A. (2018). Earnings management in banking industry and its impact on the firm value. AKRUAL: Jurnal Akuntansi, 10(1), 69-84.
Basuki, AT, & Prawoto, N. (2016). Regression Analysis in Economics & Business Research (Equipped with SPSS & EVIEWS Applications). PT RajaGrafindo Persada.
Darmawan, F. (2022). Factors that Influence Financing at BPR and BPRS in Indonesia (Vol. 33, Issue 1).
Ekananda, M. (2016). Time Series Econometric Analysis (2nd Edition). Media Discourse Partners.
Erdawati, L., Atikah, A., & Gunawan, Y.M. (2018). Analysis of the Influence of Risk and Profitability Profiles on Capital and Their Impact on the Performance of Conventional BPRs in Banten Province for the Period 2014 – 2018. 9(2).
Handayani, R. (2016). Comparative Analysis Before and After the Initial Public Offering (IPO) on the Profitability of Bank Panin Syariah for the 2011-2016 Period.
Mustofa. (2023). Uu P2Sk (Vol. 4, Issue 163979).
Nurcahyaningtyas, OA, & Muizudin, A. (2016). The Influence of ROA, BOPO, LDR and NPL on BPR Capital (CAR) (Case Study of BPR in Kediri Regency). 1–23.
Financial Services Authority. (2021). Banking Booklet 2021.
Permata Hati, R., Budi Santoso, C., Fatchu Ukhriyawati, C., & Taufik Julianda, D. (2021). The Influence of Non-Performing Loans (NPL) and Profitability on Capital Adequacy Ratio (CAR) during the Covid 19 Pandemic (Case Study of Rural Banks in Batam City). Management, 8(1), 57–66. https://www.journal.unrika.ac.id
Prihatinto, HY, & Setiadi, PB (2023). The Influence of Loan To Deposit Ratio (Ldr) and Non-Performing Loans (Npl) on Profitability in Rural Banks Hari Yunan Prihatinto, Pompong B. Setiadi Mahardhika College of Economics. 6, 934–941.
Putri, NPSW, & Dana, IM (2018). The Influence of Npl, Liquidity and Profitability on Cars in Conventional BPR on a National Scale in Indonesia. Udayana University Management E-Journal, 7(4), 1862. https://doi.org/10.24843/ejmunud.2018.v07.i04.p06
Sorongan, F.A. (2020). The Influence of Profitability, Non-Performing Loans (Npl), Liquidity and Inflation on the Capital Adequacy Ratio (CAR) (In Regional Development Banks for the 2016-2019 Period). JRMSI - Indonesian Science Management Research Journal, 11(2), 224–243. https://doi.org/10.21009/jrmsi.011.2.02