Implementation of the Indonesian Banking Architecture as a Blueprint of the Direction And Order of the National Banking System: Empirical Study of Indonesian Commercial Banking

Authors

  • Devy M. Puspitasari Widyatama University
  • Nugroho J. Setiadi Widyatama University
  • Nurrina Rizkiyanti Widyatama University

DOI:

https://doi.org/10.21512/tw.v16i1.1538

Keywords:

financial performance, Indonesian Banking Architecture (IBA), Banking system, IDX

Abstract

This study aims to examine the influence of Capital Adequacy Ratio (CAR), earning assets, and liquidity against Return on Asset (ROA) in the conventional bank which has the biggest asset listed in Indonesian Stock Exchange (IDX) during the period of 2006 to 2010. This research used time series data from Bank Indonesia’s report and financial reports annually published by banking firms listed in IDX. After passing the purposive sampling, there were 27 conventional banks listed in IDX as sample in this study. By using multiple regression analysis (F-test), results showed that CAR, Non Performing Loan (NPL), and Non Performing Loan (NPL) collectively have significant influence on ROA. However, by using individual analysis (t-test), NPL has a negative and significant influence on ROA, while CAR and LDR have no significant influence on ROA.

Dimensions

Plum Analytics

Author Biographies

Devy M. Puspitasari, Widyatama University

Faculty of Business and Management

Nugroho J. Setiadi, Widyatama University

Faculty of Business and Management

Nurrina Rizkiyanti, Widyatama University

Faculty of Business and Management

References

Achmad, T., & Kusumo, W. K. (2003). Analisis rasio-rasio keuangan sebagai indikator dalam memprediksi potensi kebangkrutan perbankan di Indonesia. Media Ekonomi Dan Bisnis, 15(1), 54–75.

Adyani, L. R. (2011). Faktor-faktor yang Mempengaruhi Profitabilitas. Universitas Diponegoro.

Azwir, Y. (2006). Analisis Pengaruh Kecukupan Modal, Efisiensi, Likuiditas, NPL, dan PPAP Terhadap ROA Bank. Universitas Diponegoro.

Bank Indonesia. (2008). Laporan Pengawasan Perbankan. Retrieved from bi.go.id

Dunil, Z. (2005). Bank Auditing Risk-Based: Audit dalam pemeriksaan perkreditan bank umum. Jakarta: Indeks.

Fitriyana, A. (2011). Analisis Pengaruh Rasio Kecukupan Modal, Likuiditas, Non Performing Loans, Equity to Asset Ratio dan Time Deposit Ratio terhadap Return On Assets Bank. Universitas

Diponegoro.

Institute for Economics and Financial Research. (2011). Indonesian Capital Market Directory 2010.

Kasmir. (2003). Bank dan Lembaga Keuangan Lainnya. Jakarta: Raja Grafindo Persada.

Kuncoro, M., & Suhardjono. (2002). Manajemen Perbankan Teori dan Aplikasi. Yogyakarta: BPFE.

Kusumaningrum, C. (2011). Analisis Faktor-faktor yang Mempengaruhi Return On Assets pada Bank Daerah di Indonesia. Universitas Diponegoro.

Merkusiwati, N. K. L. A. (2007). Evaluasi pengaruh CAMEL terhadap kinerja perusahaan. Buletin Studi Ekonomi, 12(1), 102–110.

Ponco, B. (2008). Analisis Pengaruh CAR, NPL, BOPO, NIM, dan LDR Terhadap ROA. Universitas Diponegoro.

Purwanto, D. (2010). Sektor Perbankan Paling Berisiko di Industri Keuangan. Retrieved from

http://economy.okezone.com/read/2010/11/16/320/393741/sektor-perbankan-paling-berisikodi-industri-keuangan

Restiyana. (2011). Analisis Pengaruh CAR, NPL, BOPO, LDR, dan NIM Terhadap Profitabilitas Perbankan. Universitas Diponegoro.

Sari, E. R. K. (2011). Analisis Pengaruh CAR, NPL, BOPO, NIM, LDR, dan Pemenuhan PPAP terhadap Kinerja Perbankan (Studi Kasus pada Bank Umum di Indonesia). Universitas Diponegoro.

Sudiyatno, B., & Suroso, J. (2010). Analisis pengaruh dana pihak ketiga, BOPO, CAR, dan LDR terhadap kinerja keuangan pada sektor perbankan yang go public di Bursa Efek Indonesia (BEI) (Periode 2005-2008). Dinamika Keuangan Dan Perbankan, 2(2), 125–137.

Susilo, Y. S., Triandaru, S., & Santoso, A. T. B. (1999). Bank dan Lembaga Keuangan Lain. Jakarta: Salemba Empat.

Suwandhani, A. (2008). Pengaruh Tingkat Loan to Deposit Ratio (LDR) terhadap Profitabilitas Bank. Universitas Widyatama.

Suyatmin. (2006). Analisis Cash Ratio, Loan to Deposit dan Loan to Asset Ratio untuk Mengukur Tingkat Likuiditas Perbankan. Jurnal Akuntansi Dan Keuangan, 5(2), 134–166.

Werdaningtyas, H. (2002). Faktor yang Mempengaruhi Profitabilitas Bank Take Over Pramerger di Indonesia. Jurnal Manajemen Indonesia, 1(2), 24–39.

Downloads

Published

2015-03-31

How to Cite

Puspitasari, D. M., Setiadi, N. J., & Rizkiyanti, N. (2015). Implementation of the Indonesian Banking Architecture as a Blueprint of the Direction And Order of the National Banking System: Empirical Study of Indonesian Commercial Banking. Journal The Winners, 16(1), 6-14. https://doi.org/10.21512/tw.v16i1.1538

Issue

Vol. 16 No. 1 (2015): The Winners Vol. 16 No. 1 2015

Section

Articles

License

Authors who publish with this journal agree to the following terms:
a. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License - Share Alike that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.

b. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.

c. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.

 

USER RIGHTS

 All articles published Open Access will be immediately and permanently free for everyone to read and download.  We are continuously working with our author communities to select the best choice of license options, currently being defined for this journal as follows: Creative Commons Attribution-Share Alike (CC BY-SA)

Abstract 588  .
PDF downloaded 794  .