Artikel Ilmiah : C1K010011 a.n. REVINA DAMAYANTI
| NIM | C1K010011 |
|---|---|
| Namamhs | REVINA DAMAYANTI |
| Judul Artikel | THE DETERMINANTS OF BANK PROFITABILITY (Empirical Study on Commercial Banks Listed on Indonesia Stock Exchange) |
| Abstrak (Bhs. Indonesia) | “The Determinants of Bank Profitability (Empirical Study on Comercial Banks Listed on Indonesia Stock Exchange)” adalah judul penelitian ini. Penelitian ini merupakan studi empiris pada Bank Komersial yang terdaftar di Bank Indonesia pada periode 2010-2013. Tujuan dari penelitian ini adalah untuk menguji pengaruh loan to deposit ratio (LDR), total deposit to total aset (TDTA), non-performing loan (NPL), non-performing aseset (NPA), rasio efisiensi operasional (OER), dan interest spread (IS), pada profitabilitas perusahaan perbankan di Bursa Efek Indonesia (BEI). Populasi penelitian adalah bank umum yang terdaftar di Bursa Efek Indonesia. Dipilih dengan menggunakan metode purposive sampling, penelitian ini menggunakan 23 bank sebagai sampel. Metode yang digunakan dalam penelitian ini adalah analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa: (1) Loan to deposit ratio memiliki pengaruh positif signifikan terhadap profitabilitas; (2) Total deposit to total aset berpengaruh positif terhadap profitabilitas; (3) Non-Performing Loan tidak berpengaruh pada profitabilitas; (4) Non Performing Asset tidak berpengaruh pada profitabilitas; (5) Rasio efisiensi operasional memiliki efek negatif pada profitabilitas; (6) Interest spread berpengaruh positif signifikan terhadap profitabilitas; (7) Total Deposit to Total Asset adalah variabel yang memiliki pengaruh paling dominan terhadap profitabilitas. Implikasi dari penelitian ini adalah Loan to Deposit Ratio, Total Deposits to Total Assets, and Interest Spread Ratio dapat digunakan sebagai dasar informasi atau panduan bagi para investor untuk berinvestasi pada bank. Manajer bank harus memperhatikan Loan to Deposit Ratio (LDR), Total Deposits to Total Assets (TDTA), and Interest Spread (IS) karena sudah terbukti memiliki pengaruh yang positif terhadap profitabilitas. Bank harus memperhatikan performanya, karena semakin besar profit, semakin besar kemampuan bank membayar dividen. |
| Abtrak (Bhs. Inggris) | The title of this study is “The Determinants of Bank Profitability (Empirical Study on Comercial Banks Listed on Indonesia Stock Exchange)”. This research is an empirical study on Commercial Banks of Indonesia at period 2010-2013. The aims of this research were to examine the influence of loan to deposit ratio (LDR), total deposit to total asset (TDTA), non-performing loan (NPL), non-performing assets (NPA), operational efficiency ratio (OER), and interest spread (IS), on profitability of the banking company in Indonesia Stock Exchange (IDX). The research population was commercial bank listed on Indonesian Stock Exchange. By using purposive sampling method, 23 commercial banks are chosen as sample. This study used multiple regression analysis as the method. The result of this research indicates that: (1) Loan to deposit ratio has a significant positive effect on the profitability; (2) Total Deposits to Total Assets has positive effect on the profitability; (3) Non-Performing Loans has no effect on the profitability; (4) Non Performing Asset has no effect on the profitability; (5) Operational Efficiency Ratio has negative effect on the profitability; (6) Interest Spread has significant positive effect on the profitability; (7) Total Deposit to Total Asset is the most dominant variable affecting bank profitability. The implication of this result was Loan to Deposit Ratio, Total Deposits to Total Assets, and Interest Spread Ratio can be used as primary information or guidance for investors to decide whether want to invest or not in a bank. Bank managers should pay attention to Loan to Deposit Ratio (LDR), Total Deposits to Total Assets (TDTA), and Interest Spread (IS) because it’s proved had positive effect on profitability. Finally, the bank should pay attention to its performance, because the greater company profits the greater the ability of the banks to pay dividends. |
| Kata kunci | Loan to Deposit Ratio, Total Deposit to Total Asset, Non-Performing Loan, Non-Performing Assets, Operational Efficiency Ratio, Interest Spread, Profitability, ROA. |
| Pembimbing 1 | Dr. Ade Banani, MMS |
| Pembimbing 2 | Dian Purnomo Jati, SE, M.Sc. |
| Pembimbing 3 | Hj. Wiwiek Rabiatul Adawiyah, M.Sc., Ph.D |
| Tahun | 2015 |
| Jumlah Halaman | 21 |
| Tgl. Entri | 2015-08-14 10:59:38.043884 |