Pengaruh variabel mikro terhadap profitabilitas pada bank yang terdaftar di Bursa Efek Indonesia
P enelitian ini bertujuan untuk menguji pengaruh variabel mikro terhadap profitabilitas pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2013-2017. Variabel independen dalam penelitian ini adalah total equity to asset ratio, operating expense to asset ratio, loan to asset ratio, non-performing loans, liquid asset ratio, deposit to asset ratio, dan total asset to total sector asset ratio. Variabel dependen yaitu profitabilitas yang dihitung menggunakan return on asset dan return on equity. Dengan menggunakan model purposive sampling terdapat 28 perusahaan perbankan yang menjadi sampel dalam penelitian. Model analisis data yang digunakan adalah analisis regresi berganda data panel. Hasil penelitian ini menunjukkan bahwa variabel total equity to asset ratio, liquid asset ratio, deposit to asset ratio, dan total asset to total sector asset ratio memiliki pengaruh terhadap profitabilitas. Sedangkan variabel operating expense to asset ratio, loan to asset ratio, dan non-performing loans tidak memiliki pengaruh signifikan terhadap profitabilitas.
T his study examines the effect of micro variabel on profitability bank. The samples are obtained from the banking companies listed in Indonesian Stock Exchange (IDX) in the year of 2013-2017. The independent variables in this study are total equity to asset ratio, operating expense to asset ratio, loan to asset ratio, non-performing loans, liquid asset ratio, deposit to asset ratio, and total asset to total sector asset ratio. The dependent variable isprofitability with two calculation ( return on asset and return on equity). The sample of this study included 28 in bangking sector by using purposive sampling method. This study used panel regression analysis model for the empirical result. The result of the study revealed that variabel total equity to asset ratio, liquid asset ratio, deposit to asset ratio, and total asset to total sector asset rati had a significant effect on profitability. The study also fund that operating expense to asset ratio, loan to asset ratio, and non-performing loans had non-significant effect on profitability.