Rasio Kesehatan dan Kinerja Bank Umum Berbasis Data Panel di Indonesia
Abstract views: 397 | PDF downloads: 356
Abstract
ABSTRACT
This study aims to analyze the influence of bank health on performance measured by during the period 2010-2014. This research is a quantitative research with regression of panel data of 96 commercial banks in Indonesia. The result of research is capital adequacy ratio, net profit margin, efficiency ratio have negative effect to return on asset. Loan disbursement ratio positively affects return on asset. However, the ratio of nonperforming loans does not affect return on assets. The implication of this research is that it can be the basis for bank management to make policy of fund and credit management to increase return on asset.
ABSTRAK
Penelitian ini bertujuan menganalisis pengaruh kesehatan bank terhadap kinerja diukur dengan selama periode 2010-2014. Penelitian ini adalah penelitian kuantitatif dengan regresi data panel 96 bank umum di Indonesia. Hasil penelitian adalah rasio kecukupan modal, net interest margin, rasio efisiensi berpengaruh negatif terhadap return on asset. Rasio penyaluran kredit berpengaruh positif terhadap return on asset. Namun, rasio kredit bermasalah tidak mempengaruhi return on asset. Implikasi penelitian ini adalah dapat menjadi dasar bagi manajemen bank untuk membuat kebijakan merencanakan pengelolaan dana dan kredit guna meningkatkan return on asset.
JEL Classification: G21, E50
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the works authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journals published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).