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Tugas 1 Jurnal Penelitian: Konsentrasi: Manajemen Keuangan
Tugas 1 Jurnal Penelitian: Konsentrasi: Manajemen Keuangan
Jurnal Penelitian
Nama : Muhammad Haris
NIM : 1612070126
Nama Dosen : Eduardus Suharto, S.Pd., M.M.
Mata Kuliah : Metode Penelitian Bisnis
Kode : EKM3050
Program Studi : Ekstensi Manajemen
Kelas : C – 6507 (Kelas Karyawan)
1
Real GDP growth The yearly growth of deposits has a
Term structure of significant and negative impact on
interest rates bank profitability, and this effect is
Herfindahl index mainly driven by the crisis years.
As to bank size, which we track by
dummy variables, we find some
empirical evidence that larger and
smaller commercial banks were more
profitable than medium-sized banks
(reference category) before the crisis.
Funding costs have a significantly
negative impact on the return on
assets before the crisis, i.e. banks that
raise cheaper funds are more
profitable.
Our results regarding the impact of
ownership on profitability before the
crisis.
The business cycle significantly
affects bank profits when considering
all years.
Furthermore, the impact of the market
structure, approximated by the
Herfindahl index seems to have a
significant and positive effect on bank
profitability before the crisis, but not
thereafter.
The ownership status (private or
state-owned banks) has no impact on
bank profitability when measured by
the ROAE.
Furthermore, there is no significant
impact of the market structure,
approximated by the Herfindahl index,
on bank profitability before the crisis.
2
2. Dennis Efficiency and Bank Total Assets ROA To ROA = The inefficiency ratio (INEFF) is
Olson, Taisier Profitability in MENA Total Net Loans ROE 55,52% significantly negatively related to ROA
A. Zoubi Countries Security Specialization Total Cost To ROE = and ROE because higher costs
Ratio Net Operating 48,09% reduce profitability.
Deposit Specialization Profit The TYPE dummy variable is
Ratio Inefficiency Ratio positively related to ROA and ROE,
Ratio of Overhead that Islamic banks are more profitable
Ratio of Non-Interest than conventional banks, while a
Bearing Assets to Total positive sign for the TRADED variable
Assets supports a priori expectations that
Labor Cost to Income better-known banks traded on stock
Credit Risk exchanges earn greater profits than
Capital Strength other banks.
Change of GDP Many remaining variables would be
significant, but are either co-linear
Inflation Rate
with listed variables, or their
Concentration Ratio
significance is subsumed by the
% Of Government variables in the selected model. For
Ownership example, the ratio of non-interest
% Of Foreign bearing assets to total assets (NIBA)
Ownership is significantly negative, but it is
Dummy Variable Equal subsumed by LOANS. The factor
to One if The Bank is specific measures of inefficiency (LCI
Islamic, Zero for and OVER) are subsumed by the
Conventional Banks more general inefficiency ratio
Dummy Variable Equal (INEFF). The GCC dummy is
to One If the Bank Is in significantly positive, but subsumed
A GCC Country, Zero by a combination of TYPE, GOV, and
Otherwise TRADED.
Dummy Variable Equal Cost efficiency is not significant in
to One if Bank Shares explaining ROA or ROE, but profit
are Traded on A Stock efficiency is a highly significant
Exchange explanatory variable for both ROA
and ROE.
3
3. Philip Determinants of GOVT (NPBT = Net For European banks we find a
Molyneux European bank CONC profit before tax; statistically significant positive
profitability : A note INT NPAT = Net profit relationship between return on capital
MON after tax) and concentration and a positive
CRTA BTCR = NPBT relationship for nominal interest rates
CBINVTA as percent of (which is used as a capital scarcity
CPI capital and proxy variable).
SE reserves Unlike Short and Bourke, however,
ATCR = NPAT who both find a statistically significant
as percent of inverse relationship between return
capital and on capital and government
reserves ownership, we find a statistically
BTCRTB = significant positive relationship,
NPBT as suggesting that state-owned banks
percent of generate higher returns on capital
capital and than their private sector competitors.
reserves and The results use asset-based returns
total and, in general, show that capital
borrowings ratios and nominal interest rates are
BTTA = NPBT positively related to profitability.
as percent of Government ownership also appears
total assets to have a positive impact on bank
BTSETA = profitability relationship with
NPBT + staff profitability which is also to be
expenses as expected as liquidity holdings
percent of total (particularly those imposed by the
assets, authorities) represent a cost to the
BTSEPLTA = bank.
NPAT + staff Staff expenses indicate a strong
ex~nses + positive relation with before-tax return
provision for on assets.
loan losses as Concentration shows a positive,
percent of total statistically significant correlation with
assets. pre-tax return on assets which is
consistent with the traditional
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structure-conduct-performance
paradigm. When the value added
measure used to test for the expense
preference theory (BTSETA) is
introduced, we find a strong positive
relationship for the concentration
(CONC) variable.
4. Rajshree Bank–firm Bank Influence Profit - Results suggest that the interest
Agarwal, Relationships, Financing Debt Cash Flow payments to debt ratio is significantly
Julie Ann and Firm Performance in Debt to Equity Ratios Ratio of higher for bank-influenced firms,
Elston Germany Net of Interest Operating which supports the hypothesis that
Sales Income to German universal banks may engage
Growth in Sales Sales in rent-seeking activities and provides
Interest Payments Over evidence of a conflicting interests
Debt Ratio between creditors and shareholders.
In addition, the interest payment over
debt ratio is significantly higher for
bank-influenced firms.
The bank-influence coefficient is large
and statistically significant only for
bank-debt indicating that bank-
influenced firms enjoy better access
to capital in the form of bank-debt.
The coefficients on profits are large
and statistically significant, for the
leverage and bank-debt regressions,
indicating that the firm’s profitability is
positively related to leverage and
bank-debt.
Cash flow, as expected, is negatively
related to all the debt ratios, and to
bank-debt in particular, as firms take
out debt to cover liquidity constraints.
The interest payments are
significantly higher for bank-
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influenced firms, even after they are
controlled for total debt.
5. Samy The Determinants of OVERHEAD NIM To NIM = Bank loans have a positive and
Bennaceur Commercial Bank CAP ROA 52,11% significant impact on the capacity of
and Interest Margin and BLOAN To ROA = Tunisian banks to generate interest
Mohamed Profitability : Evidence NIBA 35,67% margins. The size has mostly
Goaied from Tunisia LNSIZE negative and significant coefficients
GROWTH on the bank profitability. This latter
SBS result may simply reflect scale
MCAP inefficiencies.
RSIZE The findings of this study revealed
that efficient expenses management
CONC
was one of the most significant in
explaining high bank profitability.
There is a positive and significant
coefficient on the overhead to assets
ratio variable (OVERHEAD) in the net
interest margin and ROA equations.
In all net interest margin equation
specifications, we see that the
coefficient on bank loans (BLOAN) is
significant.
The coefficient on economic growth
variable (GROWTH) is not significant
in all regressions.
Turning to market concentration, we
see that the concentration ratio
(CONC) has a negative but
insignificant impact on net interest
margins and return on assets.
Besides, we find that complete
interest liberalization enters positively
and significantly in the net interest
margin regressions, consistent with
the view that banks that are free to fix
6
their margin tend to profit from the
situation.
Finally, the relationship between NIM
and state ownership variable (OWN)
is negative and significant meaning
that private owned banks generate
better margin that their state
counterparts. This result confirms the
supremacy of private banks in a
matter of performance which is a clear
signal to spur the privatization of state
owned banks.
6. Muhammad Pengaruh Kinerja Capital Adequacy Ratio Return on Asset 99,11% Berdasarkan hasil penelitian
Gufran Keuangan Terhadap (CAR) (ROA) diketahui bahwa secara parsial CAR,
Pribadi Profitabilitas Bank Islam Financing to Deposit FDR dan BOPO masing-masing
Ratio (FDR) berpengaruh secara signifikan
Biaya Operasional dan terhadap ROA.
Pendapatan Operasional Secara simultan diketahui bahwa
(BOPO) keempat variabel bebas (CAR, FDR,
Non Performing BOPO dan NPF) secara bersama-
Financing (NPF) sama berpengaruh signifikan
terhadap ROA.
7. Noor Cholis Pengaruh Kinerja Financing to Deposit Profitabilitas - Secara individual FDR, NPF dan
Ekonomi, Kinerja Ratio (FDR) (Ratio of Return BOPO tidak berpengaruh secara
Pengusaha dan Non Performing on Asset (ROA)) signifikan terhadap profitabilitas
Efisiensi Terhadap Financing (NPF) (ROA) bank syariah.
Penurunan Profitabilitas Biaya Operasional dan Secara bersama-sama FDR, NPF
Industri Perbankan Pendapatan Operasional dan BOPO tidak berpengaruh secara
Syariah (BOPO) signifikan terhadap profitabilitas
(ROA) bank syariah.