• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.6
• /
• pp.9-18
• /
• 2020

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.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.4
• /
• pp.727-734
• /
• 2021

The study aims to examine and analyze the factors that affect the return on assets (ROA) by placing net interest margin (NIM) as a moderating variable in influencing ROA. This research was conducted on 27 banks listed on the Indonesia Stock Exchange (IDX) for the period 2015 to 2018 with a total sample data of 91. The data used is a combination of time series data and cross-section data. The sampling technique used was the purposive sampling method. The data analysis technique used was path analysis with multiple regression analysis technique. The results of the analysis showed that the capital adequacy ratio (CAR) and loan to deposit ratio (LDR) have a positive but insignificant effect on ROA. NIM as a moderating variable does not influence the impact of CAR on ROA. However, NIM as a moderating variable is able to influence the impact of LDR on ROA. From the results of this study, it is evident that the LDR will increase the ROA at banks that generate high NIM.

• The Korean Journal of Financial Management
• /
• v.24 no.1
• /
• pp.85-107
• /
• 2007

In this study, I analyzed determinant factors of mutual fund return. The samples was distributed into three types according to the ratio of included stocks in funds. The proxies of mutual funds were set up three ways(returns of fund). As a result of the analysis, I found that growth positively affect to fund return, abnormal return and adjusted abnormal return in all samples. While, according to three types of sample, expected and unexpected fund cash flows had differently effect on fund return. Inferentially, it seemed that the ratio of included stocks in fund was the cause of that. But price pressure hypothesis are not supported. In conclusion, it was not found the possibility of stock market disturbance in this analysis.

• Journal of Applied Tourism Food and Beverage Management and Research
• /
• v.15 no.1
• /
• pp.81-97
• /
• 2004

The purpose of this study is to suggest management information through the analysis of relationships between financial characteristics and financial performance to the owners and managers of super deluxe hotels in Korea. The data of super deluxe hotels were collected by the electronic F/S announcement system. Forty-two hotels, which have financial statements for the previous three consecutive years were chosen as the sample of analysis. Return on total assets and times interest earned, asset turnover, current ratio of the super deluxe hotels are correlated. Return on total assets and asset turnover, sales growth rate, times interest earned are also correlated. And productivity and asset turnover of chain hotels are correlated. Based on this study, it can be concluded that chain hotels are maily correlated with growth ratio and activity ratio. Otherwise non-chain hotels are mainly correlated with current ratio and safety ratio.

• Journal of Korea Water Resources Association
• /
• v.37 no.3
• /
• pp.249-255
• /
• 2004

To investigate the return flow ratio of irrigation water, lots of observations were made during the irrigation periods in 2003 crop year. This Area is a portion of Dae-Am pumping station basin which is located in Changryung-gun, Gyeongnam province. A water balance analysis was performed for a paddy field in Dae-Am pumping station in the Nakdong river basin, which is constructed for irrigation water supply. Daily rainfall data in the this area were collected and irrigation water flow rate, drainage water flow rate, infiltration and evaportranspiration were measured in field area. Irrigation water flow rate and drainage water flow rate were continuously observed by water level logger(GTDL-L10) during the growing season. The infiltration and evaportranspiration were measured by cylindrical 300mm depletion meter and cylindrical 200mm infiltrometer, respectively. Total irrigation and drainage flows were 654.7mm and 281.2mm in 2003. Total infiltration and evaportranspiration were 36.0mm and 160.0mm respectively. The mean of the daily evaportranspiration rate was 4.3mmm/d. The prompt return flow and retard return flow ratio were 43.0％ and 5.5％, respectively. Total return flow ratio was 48.5％. Therefore, it can be concluded that the amount of irrigation water was much higher than design standard or reference in this study. It means that this was caused by the inadequate water management practice in the area where water was oversupplied on farmers' request rather than following sound water management principles, and design standard should be changed in the future.

• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.9
• /
• pp.105-115
• /
• 2020

The study empirically examines the effects of loan portfolio diversification on bank risk and return in the nascent banking market of Vietnam. Loan portfolio diversification is captured through the Hirschman-Herfindahl index and the Shannon Entropy with sectoral exposures. We access each bank's financial reports to collect the required data, especially the breakdown of sectoral loan portfolios, thus constituting a unique dataset. To compute bank return, we use the traditional accounting indicators, including return-on-assets, return-on-equity, and net-interest margin. For bank risk, we utilize the loan-loss provisions and non-performing loans relative to gross customer loans. Using a sample of 30 commercial banks over the period from 2008 to 2019 and the system generalized method of moments estimator for the dynamic panel, we indicate the downsides of portfolio diversification. Concretely, we observe that all diversification measures exhibit significantly negative signs in all regressions across different bank return proxies. At the same time, the estimates display the significant and positive impact of diversification on the non-performing loan ratio. Hence, sectoral loan portfolio diversification significantly hampers bank performance in both aspects of lower return and higher credit risk. The results are robust across a rich set of bank performance and portfolio diversification measures.

• Journal of The Korean Society of Agricultural Engineers
• /
• v.63 no.2
• /
• pp.85-96
• /
• 2021

Irrigation return flow is defined as the excess of irrigation water that is not evapotranspirated by direct surface drainage, and which returns to an aquifer. It is important to quantitatively estimate the irrigation return flow of the water cycle in an agricultural watershed. However, the previous studies on irrigation return flow rates are limitations in quantifying the return flow rate by region. Therefore, simulating irrigation return flow by accounting for various water loss rates derived from agricultural practices is necessary while the hydrologic and hydraulic modeling of cultivated canal-irrigated watersheds. In this study, the irrigation return flow rate of agricultural water, especially for the entire agricultural watershed, was estimated using the SWMM (Storm Water Management Model) module from 2010 to 2019 for the Madun reservoir located in Anseong, Gyeonggi-do. The results of SWMM simulation and water balance analysis estimated irrigation return flow rate. The estimated average annual irrigation return flow ratio during the period from 2010 to 2019 was approximately 55.3% of the annual irrigation amounts of which 35.9% was rapid return flow and 19.4% was delayed return flow. Based on these results, the hydrologic and hydraulic modeling approach can provide a valuable approach for estimating the irrigation return flow under different hydrological and water management conditions.

• Journal of Fisheries and Marine Sciences Education
• /
• v.27 no.4
• /
• pp.1092-1098
• /
• 2015

Fishing population has been increasing with national income improvement and the five-day workweek in Korea. Recently commercial fishing facilities like pay fishing pond are emerging as demand of saltwater fishing increases, unlike the past when inland fishing was prominent. In order to do businesses, economic analysis should be done in advance. This study aimed to make an Economic analysis of Uljin pay-fishing place by estimating the cost and benefit, and calculating the rate of economic return. The results show the Uljin pay-fishing place's net present value of 3.5 billion won, internal rate of return of 14%, and benefit cost ratio of 1.16 at 5.5% social discount rate.

• The Transactions of The Korean Institute of Electrical Engineers
• /
• v.60 no.4
• /
• pp.892-898
• /
• 2011

In DC electric railways, while an electric rail car is driving, a part of the working current returned to the substation through rails leaks into the ground. Such a stray current causes railway facilities and metal objects to corrode electrolytically. Therefore, change of stray current needs to be monitored constantly. But so far in domestic, the research on stray current measuring techniques and system adaption are insufficient. To estimate stray current, this paper addresses a method of monitoring the return current that is returned into the negative pole of the substation in real time.

• Proceedings of the Korean Institute of Building Construction Conference
• /
• 2019.11a
• /
• pp.184-185
• /
• 2019

The purpose of this study is to suggest the improved methods for cost sharing in apartment remodeling projects. Case studies on apartment remodeling projects with different plan type were analyzed and compared. Cost sharing estimated by 'proportional rate method' shows similar results estimated by 'return on investment method' in case of similar area ratio of existing plan to remodeling plan. Otherwise cost sharing estimated by 'proportional rate method' shows great differences comparing the results estimated by 'return on investment method'. Although return on 'proportional rate method' is widely used, it is not proper to estimate cost sharing when each householder's contribution for the project varies, such as considerable differences area ratio of existing plan to remodeling plan. Improved cost sharing method is needed taking into account project contribution and characteristics.