Tri Anggoro, Guardian (2021) Analisis Pengaruh Capital Adequacy Ratio (CAR), Beban Operasional Pendapatan Operasional (BOPO), Pertumbuhan Ekonomi, Inflasi, BI Rate, dan JIBOR Terhadap Return On Asset (ROA), Cash Ratio (CR), dan Non Performing Loan (NPL) Pada 10 Bank Domestik Indonesia yang Melakukan Merger Dengan Perusahaan Asing Periode Tahun 2010-2020. Sarjana thesis, Universitas Brawijaya.
Abstract
Merger yang dilakukan oleh bank merupakan salah satu strategi yang dilakukan bank untuk meningkatkan kinerja serta memperkuat bank dalam persaingan domestik di industri perbankan. Kinerja bank sendiri diperngaruhi oleh perubahan dari kondisi internal yang dapat mencakup pada permodalan dan efisiensi operasional bank serta perubahan dari kondisi eksternal bisa diakibatkan oleh perubahan makroekonomi. Pada tahun 2010-2020 kondisi profitabilitas yang dilihat melalui Return On Asset (ROA), dan kondisi likuiditas yang dilihat melalui Cash Ratio (CR). Ditambah risiko kredit macet yang dilihat melalui Non Performing Loan (NPL) meningkat. Hal ini mengindikasi bahwa bank yang melakukan merger mengalami penurunan kinerja dalam meningkatkan profitabilitas, menjaga likuiditas, dan memimalisir risiko kredit. Sehingga penelitian ini bertujuan untuk mengetahui pengaruh perubahan internal bank (CAR dan BOPO) dan perubahan makroekonomi (PDB, inflasi, BI Rate, dan JIBOR) terhadap Return On Asset (ROA), Cash Ratio (CR), dan Non Performing Loan (NPL) pada 10 bank domestik yang melakukan merger dengan perusahaan asing. Penelitian ini menggunakan analisis deskriptif kuantitatif dengan metode regresi data panel. Hasil dari penelitian ini menunjukkan bahwa Capital Adequacy Ratio (CAR) berpengaruh terhadap Return On Asset (ROA), dan Cash Ratio (CR). Produk Dometik Bruto (PDB) berpengaruh terhadap Return On Asset (ROA), Cash Ratio (CR), dan Non Performing Loan (NPL). BI Rate berpengaruh terhadap Non Performing Loan (NPL). JIBOR berpengaruh terhadap Return On Asset (ROA), dan Non Performing Loan (NPL). Sedangkan Beban Operasional Pendapatan Operasional (BOPO) dan inflasi tidak berpengaruh terhadap Return On Asset (ROA), Cash Ratio (CR), dan Non Performing Loan (NPL).
English Abstract
Mergers carried out by banks are one of the strategies carried out by banks to improve performance and strengthen banks in domestic competition in the banking industry. The performance of the bank itself is influenced by changes in internal conditions which may include capital and operational efficiency of the bank as well as changes in external conditions that can be caused by macroeconomic changes. In the years 2010-2020 profitability conditions seen through the Return On Assets (ROA), and liquidity conditions seen through the Cash Ratio (CR). In addition, the risk of bank credit seen through Non Performing Loans (NPL) has increased. This indicates that the merged banks experience a decline in performance in increasing profitability, maintaining liquidity, and minimizing credit risk. So this study aims to determine the effect of internal bank changes (CAR and BOPO) and macroeconomic changes (GDP, inflation, BI Rate, and JIBOR) on Return On Assets (ROA), Cash Ratio (CR), and Non Performing Loans (NPL). in 10 domestic banks that have merged with foreign companies. This research uses descriptive quantitative analysis with panel data regression method. The results of this study indicate that Capital Adequacy Ratio (CAR) has an effect on Return On Assets (ROA), and Cash Ratio (CR). Gross Domestic Product (GDP) has an effect on Return On Assets (ROA), Cash Ratio (CR), and Non Performing Loans (NPL). BI Rate has an effect on Non Performing Loans (NPL). JIBOR has an effect on Return On Assets (ROA), and Non Performing Loans (NPL). Meanwhile, Operating Income (BOPO) and inflation have no effect on Return On Assets (ROA), Cash Ratio (CR), and Non-Performing Loans (NPL).
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 052102 |
| Uncontrolled Keywords: | Merger bank, Return On Asset (ROA), Cash Ratio (CR), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Beban Operasional Pendapatan Operasional (BOPO), Produk Domestik Bruto (PDB), inflasi, BI Rate, JIBOR |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Unnamed user with username dedygusro |
| Date Deposited: | 23 Oct 2021 09:18 |
| Last Modified: | 25 Feb 2022 05:56 |
| URI: | http://repository.ub.ac.id/id/eprint/185529 |
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Text (DALAM MASA EMBARGO)
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