Faktor mikro dan makro yang mempengaruhi profitabilitas bank yang terdaftar di Bursa Efek Indonesia

DETAIL KOLEKSI

Faktor mikro dan makro yang mempengaruhi profitabilitas bank yang terdaftar di Bursa Efek Indonesia

5.0

Oleh : Erma Oktaviani

Info Katalog

Nomor Panggil : 022001702021

Penerbit : FEB - Usakti

Kota Terbit : Jakarta

Tahun Terbit : 2021

Pembimbing 1 : Henny Setyo Lestari,

Subyek : Macroeconomics;Finance companies - Management

Kata Kunci : bank size, credit risk, equity total asset ratio, GDP growth, inflation rate, interest rate, liquidi

Status Posting : Published

Status : Lengkap

File Repositori

No.	Nama File	Hal.
1.	2021_TA_SMJ_022001702021_Halaman-Judul.pdf	10
2.	2021_TA_SMJ_022001702021_Lembar-Pengesahan.pdf.pdf	6
3.	2021_TA_SMJ_022001702021_Bab-1-Pendahuluan.pdf.pdf	10
4.	2021_TA_SMJ_022001702021_Bab-2-Tinjauan-Pustaka.pdf.pdf
5.	2021_TA_SMJ_022001702021_Bab-3-Metode-Penelitian.pdf.pdf
6.	2021_TA_SMJ_022001702021_Bab-4-Analisis-dan-Pembahasan1.pdf.pdf
7.	2021_TA_SMJ_022001702021_Bab-5-Kesimpulan1.pdf.pdf
8.	2021_TA_SMJ_022001702021_Daftar-Pustaka.pdf.pdf	6
9.	2021_TA_SMJ_022001702021_Lampiran.pdf.pdf

Abstrak
Abstract

P Penelitian ini bertujuan untuk menguji faktor-faktor mikro dan makroprofitabilitas bank di Indonesia. Faktor mikro yang diuji adalah bank size, equity tototal assets, credit risk, liquidity dan total loan to total assets dan faktor makro yangdiuji adalah GDP growth, inflation rate dan interest rate. Sampel yang digunakandalam penelitian sejumlah 27 bank komersial selama periode 2010 hingga 2019.Data pada penelitian ini diolah menggunakan Eviews 10 dengan menggunakanmetode purposive sampling. Berdasarkan metode data panel, hasil penelitianmenunjukkan bahwa bank size, equity to total assets dan liquidity ratio, GDP growthmemiliki pengaruh positif dan signifikan terhadap profitabilitas bank Indonesia.Sedangkan credit risk dan total loan/total assets berpengaruh negatif dan signifikanterhadap profitabilitas bank. Bank yang memiliki nilai aset tinggi, maka mampumemenuhi kebutuhan pinjaman nasabah sehingga bank akan mendapatkanprofitabilitas dari bunga yang dibayar oleh nasabah. Memiliki tinggi modal sahamyang diperoleh, bank mampu mendanai seluruh aktivanya seperti modal saham,modal dasar, modal ditempatkan dan disetor, tambahan modal disetor dan opsisaham agar dapat melindungi pemilik modal dari terjadinya kebangkrutan,sehingga masih memperoleh profitabilitas. Bank yang memiliki credit riskrendah, dapat menyalurkan jumlah kredit terhadap asetnya, sehingga mengurangi kerugian terhadap risiko gagal bayar yang dilakukan oleh deposan kepadacreditur, sehingga profitabilitas tidak menurun. Liquidity yang lebih tinggi mampumenghasilkan lebih banyak dana yang didapat dari bunga pinjaman nasabah,sehingga meningkatkan dana yang mempengaruhi peningkatan profitabilitas bank.Total loan to total assets yang rendah menunjukkan bahwa keuntungan yang didapatmampu mengurangi kredit bermasalah sehingga meningkatkan profitabilitas sertameningkatkan biaya. GDP growth tinggi, yang berarti bahwa profitabilitas bank diberbagai negara biasanya meningkat pada masa pertumbuhan nilai ekonomi yangmeningkat. Sebelum mengambil keputusan investasi, sebaiknya investor mengetahuifaktor mikro dan faktor makro yang mempengaruhi bank profitability seperti banksize, equity to total assets, credit risk, liquidity, total loan to total assets, GDPgrowth, inflation rate dan interest rate agar terhindar dari resiko investasi pada bank,sehingga investor dapat memperoleh keuntungan maksimal dari investasi yangditanamkan.

T This study aims to examine the micro and macro factors of bankprofitability in Indonesia. The micro factors tested were bank size, equity to totalassets, credit risk, liquidity and total loan to total assets and the macro factors testedwere GDP growth, inflation rate and interest rate. The sample used in the study was27 commercial banks during the period 2010 to 2019. The data in this study wereprocessed using Eviews 10 using the purposive sampling method. Based on the paneldata method, the results show that bank size, equity to total assets and liquidity ratio,GDP growth have a positive and significant impact on the profitability of Indonesianbanks. Meanwhile, credit risk and total loan/total assets have a negative andsignificant effect on bank profitability. Banks that have high asset values are able tomeet customer loan needs so that banks will get profitability from the interest paid bycustomers. Having a high share capital obtained, the bank is able to fund all of itsassets such as share capital, authorized capital, issued and paid-up capital, additionalpaid-in capital and stock options in order to protect capital owners from bankruptcy,so that they still obtain profitability. Banks with low credit risk can channel theamount of credit to their assets, thereby reducing losses on the risk of default bydepositors to creditors, so that profitability does not decrease. Higher liquidity is ableto generate more funds obtained from customer loan interest, thereby increasing funds which affect the increase in bank profitability. The low total loan to total assetsindicates that the profits obtained are able to reduce non-performing loans therebyincreasing profitability and increasing costs. GDP growth is high, which means thatthe profitability of banks in various countries usually increases during times ofincreasing economic value growth. Before making investment decisions, investorsshould know the micro and macro factors that affect bank profitability such as banksize, equity to total assets, credit risk, liquidity, total loan to total assets, GDPgrowth, inflation rate and interest rate in order to avoid investment risk. in the bank,so that investors can get the maximum benefit from the investment invested.