Sihotang, Ellen Theresia and Puspasari, Ismayantika Dyah and Kurnia, Anisa Utika (2020) Evaluasi Rasio Keuangan pada Kategori BUKU 3. Jurnal Manajemen dan Keuangan, 9 (2). pp. 187-205. ISSN 2615-1316
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Abstract
The purpose of this study was to determine the elements of financial ratio that affects ROE in Bank Umum Kegiatan Usaha (BUKU) III. The financial ratios used are the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR), Non Performance Loan (NPL), Operational Efficiency Ratio and Fee Based Income Ratio. The sampling method used was purposive sampling. PT Bank Bukopin, Tbk; PT Bank Mayapada Tbk, and PT Bank Mega, Tbk are the sample of this study with the period of study is 2015-2019. The data analysis technique used multiple regression. The results of this study revealed that simultaneously CAR, LDR, NPL, OER and FBIR have a significant effect on ROE. CAR, LDR, NPL and OER have a significant negative effect on ROE. FBIR has a negative insignificant effect on ROE. CAR as a dominant variable that influence on ROE with 51.4% contribution. An increase in CAR can lead to a decrease in profit and ROE because the expenditure on risk-weighted asset is greater than the availability of capital, as a result decrease in earning and ROE. The decline in ROE value also has an effect for a number of investors Keywords: Bank, BUKU III, Financial Ratio, ROE
| Item Type: | Article |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS |
| Divisions: | Lecturer |
| Depositing User: | Perpustakaan Universitas Hayam Wuruk Perbanas |
| Date Deposited: | 06 Sep 2022 04:57 |
| Last Modified: | 16 Sep 2022 08:20 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/4880 |
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