FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN BANK UMUM DI INDONESIA: Investigasi Pada Bank Kecil (Total Asset di Bawah Sepuluh Triliun Rupiah)
| Main Authors: | , Dermawan Sebayang, , Dr. Sumiyana, M.Si., Akt |
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| Format: | Thesis NonPeerReviewed |
| Terbitan: |
[Yogyakarta] : Universitas Gadjah Mada
, 2013
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| Subjects: | |
| Online Access: |
https://repository.ugm.ac.id/125557/ http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=65726 |
Daftar Isi:
- The purpose of this study was to examine the effect of financial ratios of Operating Expenses to Operating Income (OEOI), Non Performing Loan (NPL) gross, Net Interest Margin (NIM), Capital Adequacy Ratio (CAR), and the Loan to Deposit Ratio (LDR) of the performance small commercial banks (total assets < Rp10 trillion) as measured by ROA, in the period 2006 to 2011. The data used in this study were obtained from the Quarterly Financial Statements of Commercial Banks published on the website of Bank Indonesia in every fourth quarter of 2006 to 2011. Sampling was through purposive sampling method according to criteria specified by author to obtain samples in accordance with the research objectives. Under this method, obtained a sample of 190. Techniques of data analysis performed by multiple linear regression analysis with the least squares equations or ordinary least squares (OLS) to examine the effect of the independent variable (CAR, LDR, NPL, ROA and NIM) on the dependent variable (ROA). It also performed classical assumption which include normality test, multicollinearity, autocorrelation test, and heteroscedascity test. The results indicate that CAR, LDR, NPL, ROA and NIM simultaneously affect the bank's performance (ROA). Partially, CAR, LDR, and NIM has a positive and significant impact on Return on Assets (ROA) which means that the larger the ratio, the better the bank performance (ROA). While, OEOI has a negative and significant effect on Return On Asset (ROA), this means that the larger the OEOI ratio, the lower the ROA. It is important to keep the bank operating efficiency. Furthermore, it is known that the NPL does not significantly impact ROA. This means that the size of the NPL ratio is not a serious impact on bank performance (ROA).