Faktor-faktor penentu kinerja bank yang terdaftar di Bursa Efek Indonesia
P Penelitian ini bertujuan untuk menguji faktor-faktor internal dan eksternal yangmempengaruhi kinerja bank komersial Indonesia selama periode tahun 2008-2017 melalui pengukuran ROA. Faktor internal yang telah diuji meliputi capital adequacy, asset quality, management efficiency, dan liquidity. Faktor eksternal yang telah diteliti antara lain gross domestic product growth rate. Penelitian ini menggunakan metode purposive sampling dan sebayak 25 bank umum telah digunakan sebagai sampel untuk penelitian ini. Dari hasil pengujian data menggunakan regresi panel berganda dan uji statistik menggunakan sotfware Eviews versi 9. Penelitian ini menemukan bahwa capital adequacy, liquidity, dan gross domestic product growth rate tidak memiliki pengaruh tehadap ROA. Asset quality memiliki pengaruh negatif terhadap ROA. Management efficiency memiliki pengaruh positif terhadap ROA.Manajer perlu memperketat pemberian kredit, melakukan restrukturisasi kredit, danmengelola keseimbangan antara aset dan kewajiban serta melakukan pengawasan kredit.
T The study aims to examine internal and external determinants of bank’s performancein Indonesia’s commercial banks from 2008-2017 throught ROA measurement.Internal factors which has been examined include capital adequacy, asset quality,management efficiency, and liquidity. External factor which has been examinedinclude gross domestic product growth rate. This study is using purposive sampling method 25 commercial banks have been used as sample for this study. From the result of data processing using multiple panel regression and statistical tests using software e-views version 9. The study found that capital adequacy, liquidity, and GDP growth rate have no effect on ROA. Asset quality has a negative effect on ROA and management efficiency has a positive effect on ROA. Managers need to tighten the provision of credit, conduct credit restructuring, and be able to manage the balance of assets and liabilities and conduct credit supervision.