Update Artikelilmiah: 34001

STELLA ZAFIRA MONICA

NIM

Judul Artikel

Abstrak (Bhs. Indonesia)

Penelitian ini merupakan penelitian kuantitatif dengan metode kausalitas pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia. Penelitian ini mengambil judul: “Peran Bank Size, CAR, LAR, DAR, Cash Ratio, NIM dan TIER Dalam Meningkatkan Kinerja Keuangan Perbankan (Studi Pada Bank yang Terdaftar di Bursa Efek Indonesia Periode 2017-2019)”. Tujuan penelitian ini adalah untuk mengetahui pengaruh Bank Size, CAR, LAR, DAR, Cash Ratio, NIM dan TIER terhadap ROA. Sampel dalam penelitian ini adalah semua perbankan yang terdaftar di BEI dari tahun 2017 – 2019 dengan jumlah 43 perbankan. Judgement Sampling Method digunakan dalam penentuan sampel.
Berdasarkan hasil penelitian dan analisis data dengan menggunkan Eviews menunjukkan bahwa: (1) Bank Size berpengaruh positif dan signfikan terhadap Return on Assets, (2) Capital Adequacy Ratio berpengaruh positif dan signifikan terhadap Return on Assets, (3) Loan to Asset Ratio berpengaruh positif dan signifikan terhadap Return on Assets, (4) Deposit to Asset Ratio berpengaruh positif dan signifikan terhadap Return on Assets, (5) Cash Ratio berpengaruh positif dan signifikan terhadap Return on Assets, (6) Net Interest Margin berpengaruh positif dan signifikan terhadap Return on Assets, (7) Time Interest Earned berpengaruh positif dan signifikan terhadap Return on Assets. Implikasi dari hasil penelitian di atas yaitu, bagi investor yang ingin mengiventasikan dananya di industri perbankan, hasil penelitian ini bisa menjadi referensi, sebelum melakukan investasi. Semakin besar ukuran perbankan, semakin besar pula tingkat efisiensi dalam mencari laba; jika bank memiliki rasio kecukupan modal yang baik, bisa menjaga stabilitas cashflow perbankan; semakin besar pinjaman yang dikeluarkan maka, semakin besar profitabilitas perusahaan; semakin besar deposit yang masuk, maka semakin besar protitabilitas perusahaan; semakin kecil cash ratio selama tidak kurang dari 5%, maka semakin tinggi profitabilitas; semakin besar rasio TIER, menandakan kemampuan perbankan membayar beban semakin baik.

Abtrak (Bhs. Inggris)

This research is a quantitative research with causality method in banking companies listed on the Indonesia Stock Exchange. This study takes the title: "The Role of Bank Size, CAR, LAR, DAR, Cash Ratio, NIM and TIER in Improving Banking Financial Performance (Study on Banks Listed on the Indonesia Stock Exchange for the Period 2017-2019)". The purpose of this study was to determine the effect of Bank Size, CAR, LAR, DAR, Cash Ratio, NIM and TIER on ROA. The sample in this study is all banks listed on the IDX from 2017 – 2019 with a total of 43 banks. Judgment Sampling Method is used in determining the sample.
Based on the results of research and data analysis using Eviews shows that: (1) Bank Size has a positive and significant effect on Return on Assets, (2) Capital Adequacy Ratio has a positive and significant effect on Return on Assets, (3) Loan to Asset Ratio has a positive effect and significant to Return on Assets, (4) Deposit to Asset Ratio has positive and significant effect on Return on Assets, (5) Cash Ratio has positive and significant effect on Return on Assets, (6) Net Interest Margin has positive and significant effect on Return on Assets, (7) Time Interest Earned has a positive and significant effect on Return on Assets. The implication of the results of the research above is that for investors who want to invest their funds in the banking industry, the results of this study can be used as a reference, before investing. The larger the size of the bank, the greater the level of efficiency in seeking profit; if the bank has a good capital adequacy ratio, it can maintain the stability of banking cashflow; the larger the loan issued, the greater the company's profitability; the larger the incoming deposit, the greater the company's profitability; the smaller the cash ratio as long as it is not less than 5%, the higher the profitability; The higher the TIER ratio, the better the bank's ability to pay expenses.

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