Parhan, Muhammad and Moh. Athoillah,, SE., ME (2020) The Determinant of Banking Profitability in Indonesia (A Study of Commercial Banks Listed on the Indonesia Stock Exchange in 2013-2019). Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), (BOPO) Biaya Operasional terhadap Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR) terhadap Profitabilitas Perbankan (ROA) pada bank umum yang terdaftar di BEI tahun 2013-2019. Adanya penurunan pertumbuhan dana pihak ketiga dan kredit pada tahun 2013 sampai dengan tahun 2019 yang berefek pada profitabilitas bank. Maka dari itu penulis tertarik untuk mengambil judul determinan profitabilitas bank umum di indonesia yang terdaftar di BEI. Teknik analisis data menggunakan regresi data panel dengan model fixed effect. Data yang digunakan adalah data sekunder berupa rasio keuangan yang sudah dipublikasikan dengan jumlah 154 observasi. Sampel penelitian berjumlah 22 bank yang dilakukan dengan cara purvosive sampling. Hasil penelitian menunjukkan bahwa CAR berpengaruh positif dan signifikan terhadap ROA. NPL berpengaruh negatif dan signifikan terhadap ROA. NIM berpengaruh tetapi tidak signifikan terhadap ROA. BOPO berpengaruh negatif dan signifikan terhadap ROA. LDR berpengaruh tetapi tidak signifikan terhadap ROA. Secara simultan CAR, NPL, NIM, BOPO, dan LDR memiliki pengaruh signifikan terhadap ROA bank umum yang terdaftar di BEI tahun 2013-2019.
English Abstract
This study aimed to analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Operating Expense to Operating Income (BOPO), Loan to Deposit Ratio (LDR) on Banking Profitability (ROA) at commercial banks listed on the IDX in 2013-2019. There was a decline in the growth of third party funds and credit from 2013 to 2019 which had an effect on bank profitability. Therefore the authors are interested in taking the title determinants of profitability of commercial banks in Indonesia which are listed on the IDX. Data analysis technique used the panel data regression with a fixed effect model. The data used are secondary data in the form of published financial ratios with a total of 154 observations. The sample consisted of 22 banks which was conducted by means of purposive sampling. The results show that CAR has a positive and significant effect towards ROA. NPL has a negative and significant effect on ROA. NIM has an effect but not significant on ROA. BOPO has a negative and significant effect towards ROA. LDR has an effect but not significant on ROA. Simultaneously CAR, NPL, NIM, BOPO, and LDR have a significant effect on ROA of commercial banks listed on the IDX 2013-2019
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 0520020015 |
| Uncontrolled Keywords: | CAR, NPL, NIM, BOPO, LDR, ROA, |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Nur Cholis |
| Date Deposited: | 09 Sep 2022 02:44 |
| Last Modified: | 09 Sep 2022 02:44 |
| URI: | http://repository.ub.ac.id/id/eprint/194126 |
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