资本充足率、不良贷款率、净息差、比亚亚经营性存贷比、比亚亚经营性存贷比等指标均预示着财务困境

Baiq Defika Zahronyana, D. Mahardika
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引用次数: 8

摘要

本研究的目的是确定CAR、NPL、NIM、BOPO、LDR对都市商业银行财务困境的同时或部分影响。选取2012-2016年的BUMN商业银行作为研究人群。采用目的抽样技术进行抽样,每3个月获得4家公司的5年期样本,共观察数据80条。本研究的模型分析采用logistic回归,使用SPSS 20软件。结果表明,CAR、NPL、NIM、BOPO、LDR等变量同时影响财务困境。部分NPL、NIM和BOPO变量对财务困境没有影响,CAR变量对财务困境有显著的负向影响,LDR变量对财务困境有显著的正向影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN, NET INTEREST MARGIN, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL DAN LOAN TO DEPOSIT RATIO TERHADAP FINANCIAL DISTRESS
The purpose of this research is to determine the effect of CAR, NPL, NIM, BOPO, LDR on the fianancial distress of BUMN Commercial Bank either simultaneously or partially. BUMN Commercial Bank in 2012-2016 was selected as a research population. The purposive sampling technique was used for sampling and obtained samples as much of 4 companies with a five-year period every three months, resulting 80 data to be observed. The Model analysis in this research is logistic regression by using software SPSS 20. The results showed that the variables CAR,NPL,NIM,BOPO,LDR simultaneously affect the financial distress. Partially NPL,NIM, and BOPO variables don’t have effect on financial distress, while CAR variable has significant negative has effect to financial distress and LDR variable significant positf has effect on financial distress.
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