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  • 标题:Effect of CAR and NPL on ROA: Empirical Study in Indonesia Banks
  • 本地全文:下载
  • 作者:Jannati TANGNGISALU ; Rusdiah HASANUDDIN ; Yusriadi HALA
  • 期刊名称:Journal of Asian Finance, Economics and Business
  • 印刷版ISSN:2288-4637
  • 电子版ISSN:2288-4645
  • 出版年度:2020
  • 卷号:7
  • 期号:6
  • DOI:10.13106/jafeb.2020.vol7.no6.009
  • 语种:English
  • 出版社:Korean Distribution Science Association
  • 摘要:This study seeks to analyze the effect of Non-Performing Loans and Capital Adequacy Ratio on Return on Assets on ten conventional banks listed on the Indonesia Stock Exchange (BEI-IDX). This study uses secondary panel data for 2015-2019 in the form of CAR and NPL values from ten conventional banks listed on the BEI-IDX during the 2020 observation period. The research approach is quantitative descriptive with data analysis methods, namely, linear regression. The testing phase of this study includes: transform value, F-test, T-test and hypothesis test with significancy level sig < 0.05. The results of this study reveal that Non-Performing Loans had a significant negative effect (t = -2,637) (0.011 <0.0) on Return on Assets, while Capital Adequacy Ratio has no significant effect on ROA (0.760 > 0.05). R2 value is 0.128 or 12.8%. It has a significant effect on variables, calling efforts by banks, governments, and authorities monetary of related institutions to maintain the stability of finance. The reduction of Non-Performing Loan impacts on assets and capital adequacy ratio, besides, the normal NPL will control the stability of finance. If a balance is created either in the form of values or amounts of the variables, the reduction in Non-Performing Loans will be controlled.
  • 关键词:Non-Performing Loan;Capital Adequacy Ratio;Return on Assets;Indonesia
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