Analisis Pengaruh Karakteristik Bank terhadap Profitabilitas Bank pada Perusahaan Terdaftar di Bursa Efek Indonesia

Tiffany, Tiffany and Serly, Serly (2019) Analisis Pengaruh Karakteristik Bank terhadap Profitabilitas Bank pada Perusahaan Terdaftar di Bursa Efek Indonesia. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh karakteristik bank terhadap profitabilitas bank yang terdaftar di Bursa Efek Indonesia. Variabel dependen yang diangkat dalam penelitian ini adalah tingkat pengembalian aset, tingkat pengembalian modal, dan margin laba bersih. Variabel independen terdiri dari kredit bermasalah, loan loss provision, tingka inflasi, deposits, suku bunga kredit, ukuran bank, capital ratio, dan loans. Selain variabel di atas, penelitian ini juga mengangkat kenaikan produk domestik bruto sebagai variabel kontrol. Sampel yang diolah dalam penelitian ini adalah perusahaan bank yang terdaftar di Bursa Efek Indonesia dalam kurun waktu tahun 2013-2017. Data tersebut diolah dengan perangkat lunak statistik dengan metode regresi panel untuk dianalisa. Hasil penelitian menunjukkan bahwa kredit bermasalah, loan loss provision, tingkat inflasi, deposits, ukuran bank, dann loans tidak memiliki hubungan signifikan terhadap tingkat pengembalian aset. Sedangkan, suku bunga kredit memiliki hubungan signfikan negatif terhadap tingkat pengembalian aset. Kredit bermasalah, capital ratio, dan loans berhubungan signifikan positif terhadap tingkat pengembalian modal. Loan loss provision dan deposits berhubungan signifikan negatif terhadap tingkat pengembalian modal. Sedangkan tingkat inflasi, suku bunga kredit, dan ukuran bank tidak berhubungan signifikan terhadap tingkat pengembalian modal. Kredit bermasalah, capital ratio,dan loans berhubungan signifikan positif terhadap margin laba bersih. Loan loss provision dan deposits berhubungan signifikan negatif terhadap margin laba bersih. Sedangkan tingkat inflasi, suku bunga kredit , dan ukuran bank tidak berhubungan signifikan terhadap margin laba bersih. ********************************************************************** This research has a purpose to analyze the effect of bank characteristics on bank profitability in company listed on Indonesia Stock Exchange. Return on assets, return on equity, and net interest margin as the proxy of profitability as the dependent variable. The independent variables are non-performing loans, loan loss provision, inflation rate, deposits, interest margin, bank size, capital ratio, and loans. The sample processed in this research are bank company listed in Indonesia Stock Exchange within 2013-2017. The data is processed by a statistic software with panel regression method to be analyzed. The result shows that non-performing loans, loan loss provision, inflation rate, deposits, bank size, and loans had no significant effect on return on assets. In contrast, interest margin had a significant negative effect on return on assets. Non-performing loans, capital ratio, and loans had significant positive effect on return on equity, whereas loan loss provision and deposits had significant positive effect on return on equity. But inflation rate, interest margin, and bank size had no significant effect on return on equity. Non-performing loans, capital ratio, and loans had significant positive effect on net interest margin, whereas loan loss provision and deposits had significant positive effect on net interest margin. But inflation rate, interest margin, and bank size had no significant effect on net interest margin.

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