Sofianingsih, Reni and Bahtiar Fitanto,, SE., MT. (2022) Pengaruh Diversifikasi Pendapatan, Efisiensi Operasional Dan Rasio Kecukupan Modal Terhadap Profitabilitas Perbankan Selama Pandemi Covid-19. Sarjana thesis, Universitas Brawijaya.
Abstract
Pandemi Covid-19 telah mengganggu laju pertumbuhan ekonomi Indonesia. Kebijakan penurunan suku bunga dalam rangka pemulihan ekonomi nasional serta melambatnya penyaluran kredit berdampak pada penurunan NIM perbankan. Oleh karenan itu perbankan berupaya mencari sumber pendapatan baru selain sumber pendapatan bunga yaitu melalui diversifikasi. Selain diversifikasi pendapatan, efisiensi operasional dan pengeloaan aspek permodalan juga merupakan faktor yang sangat penting yang dapat mempengaruhi kondisi bank pada masa pandemi Covid-19. Penelitian ini bertujuan untuk menganalisis pengaruh diversifikasi pendapatan (DIVPEN), efisiensi operasional (BOPO) dan rasio kecukupan modal (CAR) terhadap profitabilitas perbankan yang di proksikan dengan ROA selama pandemi Covid-19 pada bank KBMI 4. Metode analisis data yang digunakan dalam penelitian ini yaitu analisis regresi data panel dengan hasil model terbaik yait FEM (Fixed Effect Model). Hasil penelitian menunjukkan bahwa diversifikasi pendapatan berpengaruh positif dan signifikan terhadap ROA, BOPO berpengaruh negatif dan signifikan terhadap ROA serta CAR tidak berpengaruh terhadap profitabilitas bank yang di proksikan dengan RPA selama pandemi Covid-19.
English Abstract
The Covid-19 pandemic has disrupted the pace of Indonesia's economic growth. The policy of lowering interest rates in the context of the national economic recovery as well as slowing credit disbursement resulted in a decline in the NIM of the banking system. Therefore, banks are trying to find new sources of income other than interest income sources, namely through diversification. In addition to income diversification, operational efficiency and management of capital aspects are also very important factors that can affect bank conditions during the Covid-19 pandemic. This study aims to analyze the effect of income diversification (DIVPEN), operational efficiency (BOPO) and capital adequacy ratio (CAR) on banking profitability proxied by ROA during the Covid-19 pandemic at KBMI bank 4. Data analysis method used in this study namely panel data regression analysis with the best model results, namely FEM (Fixed Effect Model). The results show that income diversification has a positive and significant effect on ROA, BOPO has a negative and significant effect on ROA and CAR has no effect on bank profitability proxied by RPA during the Covid-19 pandemic
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 0522020052 |
| Uncontrolled Keywords: | Pandemi Covid-19, NIM, Profitabilitas, Diversifikasi Pendapatan, BOPO, CAR, ROA, Data Panel, FEM, Covid-19 pandemic, NIM, Profitability, Income Diversification, BOPO, CAR, ROA, Panel Data, FEM |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Nur Cholis |
| Date Deposited: | 30 Aug 2022 07:53 |
| Last Modified: | 30 Aug 2022 07:53 |
| URI: | http://repository.ub.ac.id/id/eprint/193821 |
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