Faktor - faktor yang mempengaruhi margin bank pada Bank Konvensional dan Bank Syariah
Info Katalog
File Repositori
Nomor Panggil : 2018_TA_MJ_022164010
Penerbit : FEB - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2018
Pembimbing 1 : Bahtiar Usman
Subyek : Bank margin;Financial management
Kata Kunci : bank margin, spread variabel, bank specific variable, diversification variabel.
Status Posting : Published
Status : Lengkap
File Repositori
| No. | Nama File | Hal. | Link |
|---|---|---|---|
| 1. | 2018_TA_MJ_022164010_Halaman-Judul.pdf | ||
| 2. | 2018_TA_MJ_022164010_Bab-1.pdf | ||
| 3. | 2018_TA_MJ_022164010_Bab-2.pdf |
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| 4. | 2018_TA_MJ_022164010_Bab-3.pdf |
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| 5. | 2018_TA_MJ_022164010_Bab-4.pdf |
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| 6. | 2018_TA_MJ_022164010_Bab-5.pdf |
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| 7. | 2018_TA_MJ_022164010_Daftar-Pustaka.pdf | ||
| 8. | 2018_TA_MJ_022164010_Lampiran.pdf |
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P Penelitian ini bertujuan untuk menguji pengaruh Spread Variabel, BankSpesific Variabel dan Diversification Variabel terhadap Bank Margin padaperusahaan perbankan. Sampel yang digunakan dalam penelitian ini terdiri dari 43bank konvensional dan 11 bank syariah periode 2012 hingga 2016. Variabeldependen dalam penelitian ini adalah bank margin sedangkan variabel independenadalah operating cost, operational efficiency ,market share, degree of risk avertion,liquidity risk, credit risk, size, implicit interest payment, opportunity cost of holdingreserves, funding cost, net non interest income dan asset diversity. Metode penelitianyang digunakan adalah regresi berganda. Hasil penelitian menunjukkan operatingcost, market share, opportunity cost of holding reserves, degree of risk avertionberpengaruh positif terhadap Bank Margin. Sedangkan operational efficiency,implicit interest payment , funding cost, net non interest income dan asset diversityberpengaruh negatif terhadap Bank margin. Manajer perusahaan diharapkan untuk memperhatikan operational efficiency, implicit interest payment , funding cost, netnon interest income dan asset diversity akan mengurangi Bank Margin jika nilainyaterlalu besar.
T This study aims to determine the effect of Variable Spread, Bank SpecificVariable and Variable Diversification of Bank Margin on banking companies. Thesample used in this study consisted of 43 conventional banks and 11 syariah banksfrom 2012 to 2016. The dependent variables in this study were bank margin whilethe independent variables were operating cost, operational efficiency, market share,degree of risk avertion, liquidity risk, credit risk, size, implicit interest payment,opportunity of holding reserves, funding cost, net non interest income and assetdiversity. The research method used is multiple regression. The results show that theoperating cost, market share, Opportunity of holding reserves, degree of riskavertion positively affect the bank margin. While operational efficiency, implicitinterest payment, funding cost, net non interest income and asset diversity havenegative effect to bank margin. Company managers are expected to pay attention tooperational efficiency, implicit interest payments, funding costs, net non interestincome and asset diversity will reduce bank margin if the value is too large.
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