Analisis Pengaruh Non Performing Loan (NPL) Dan Capital Adequacy Ratio (CAR) Terhadap Return On Equity (ROE) Bank Syariah Suatu Studi Pada PT Bank Syariah Mandiri
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Institusion
STIE Indonesia Banking School
Author
Adityo, Jalu
Subject
HD28 Management. Industrial Management
Datestamp
2024-07-16 00:13:27
Abstract :
These research goals are to know the influence of Non Performing Loan (NPL) and Capital Adequacy Ratio (CAR) to Sharia Bank?s Return On Equity (ROE). NPL including assets improvement ratio for banking industry, because NPL reflects the quality of the Syariah Bank?s lending and CAR is the ratio of liabilities requirement to fulfill the minimum Capital required by Bank of Indonesia to measure the adequacy capital to absorb lost, so that both have the relationship towards Syaria Bank?s ROE. The sample of this research is Bank Syariah Mandiri, where in 2005 and 2009 recorded as the bank that has the largest assets in Syaria Banking Industry. Observation Period 2004-2006 is using 36 data. Multiple regression technique was used as the analysis tool along with thypothesis and F-test in 5 % of significance level (?=0,05). The hypothesis results indicate that both in simultaneous or partial, that NPL and CAR has significance influence to ROE. Keywords: NPL, CAR, ROE, and Syaria Bank
These research goals are to know the influence of Non Performing Loan (NPL) and Capital Adequacy Ratio (CAR) to Sharia Bank?s Return On Equity (ROE). NPL including assets improvement ratio for banking industry, because NPL reflects the quality of the Syariah Bank?s lending and CAR is the ratio of liabilities requirement to fulfill the minimum Capital required by Bank of Indonesia to measure the adequacy capital to absorb lost, so that both have the relationship towards Syaria Bank?s ROE. The sample of this research is Bank Syariah Mandiri, where in 2005 and 2009 recorded as the bank that has the largest assets in Syaria Banking Industry. Observation Period 2004-2006 is using 36 data. Multiple regression technique was used as the analysis tool along with thypothesis and F-test in 5 % of significance level (?=0,05). The hypothesis results indicate that both in simultaneous or partial, that NPL and CAR has significance influence to ROE. Keywords: NPL, CAR, ROE, and Syaria Bank
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