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Ambang Febriyanto
Analisis pengaruh faktor faktor internal dan eksternal terhadap profitabilitas bank umum di indonesia periode 2009 2013 = Analysis of the effect of internal and external factors on commercial banks profitability in indonesia during 2009 2013 periodes / Ambang Febriyanto
"ABSTRAK
Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor internal dan
eksternal terhadap profitabilitas bank umum di Indonesia pada periode 2009-2013.
Data yang digunakan berupa data panel, yaitu lima belas bank umum
konvensional dengan aset terbesar pada 31 Desember 2013 selama periode 2009-
2013. Profitabilitas bank diwakili oleh ROAA, faktor internal bank terdiri dari
EQAS, COST, LSIZE, dan LQUICK, sedangkan faktor eksternal terdiri dari
inflasi, ASSGDP, MACPASS. Hasil regresi data panel menunjukkan bahwa
semua faktor internal berpengaruh signifikan dan berhubungan negatif pada
profitablitas, kecuali EQAS yang berpengaruh tidak signifikan dan berhubungan
positif. Kemudian, dua faktor eksternal ditemukan berpengaruh signifikan dan
berhubungan positif dengan ROAA, yaitu ASSGDP dan MACPASS, sedangkan
inflasi ditemukan tidak berpengaruh signifikan dan mempunyai hubungan negatif
dengan ROAA.
ABSTRACT
The aims of this risearch is to analyze the effect of internal and external factors on
commercial banks profitability in Indonesia during 2009-2013 periods. Data panel
is used that consist of five teen commercial bank in Indonesia which have the
largest asset on 31th December 2013, during 2009-2013. Bank profitability is
presented by ROAA, internal factors consist of EQAS, COST, LSIZE, and
LQUICK, whereas external factors consist of inflation, ASSGDP, and
MACPASS. Applying panel data regression analysis, the empirical results
indicate that all internal factors variabels have significant and positif effect on
profitability, except EQAS that has not significant and negatif effect. Then, two
external factors variabels indicate that have significant and positive effect on
profitability, that are ASSGDP and MACPASS, whereas inflation has no
significan and negative effect"
2015
S61049
UI - Skripsi Membership  Universitas Indonesia Library
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Sudirman
Analisis faktor internal dan eksternal yang mempengaruhi profitabilitas dan jumlah loan pada bank-bank komersial yang terdaftar di bursa efek Indonesia periode 2007-2011 = Analysis of internal and external factors of profitability and loans amount of the commercial banks listed on the Indonesia stock exchange period 2007-2011
"Skripsi ini menganalisa mengenai faktor-faktor yang mempengaruhi profitabilitas dan jumlah loan Bank komersial di Indonesia. Tujuan dari penelitian ini adalah untuk mengetahui seberapa besar pengaruh dari keadaan makro ekonomi (GDP),market share bank pemerintah (Bankcon), proporsi industri perbankan terhadap makro ekonomi Indonesia (AssetG), suku bunga, Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), besaran asset bank (Size), dan Karakteristik kepemilikan bank untuk meningkatkan profitabilitas dan jumlah Loan Bank di Indonesia. Dalam penelitian ini, digunakan metode data panel dengan estimasi Random.
Dari hasil penelitian yang telah dilakukan dengan menggunakan aplikasi Eviews, didapatkan hasil bahwa proporsi industri perbankan terhadap makro ekonomi Indonesia (AssetgG), CAR, dan besaran asset bank (Size) signifikan mempengaruhi profitabilitas dan GDP, NPL, CAR dam ROE berpengaruh secara signifikan terhadap perubahan jumlah Loan.
This study analyzed determinant factors influence profitability and loans amount of commercial banks in Indonesia. Purpose of this study is to identify in which extent of influence macro-economic conditions (GDP), market shares of state own banks (Bankcon), banking industry proportion on macro-economic conditions in Indonesia (AssetG), interest rates, Non Performing Loan (NPL,) Capital Adequacy Ratio (CAR), bank asset (Size), and the characteristics of bank ownership to improve profitability and amount of loan bank in indonesia. This study involves the method of panel data with Random Effects estimation.
The finding as a result from using application eviews, banking industry proportion on macro-economic conditions in Indonesia (AssetG), CAR and bank asset (Size) influence significantly to profitability and GDP, NPL, CAR, and ROE influence significantly to the changing amount of loan."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2013
S46387
UI - Skripsi Membership  Universitas Indonesia Library
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Linda Budiyanti
Analisis pengaruh karakteristik spesifik bank dan struktur sistem keuangan terhadap profitabilitas bank umum konvensional di Indonesia periode tahun 2009 - 2013 = Analysis of spesific bank and financial structure of banks profitability in Indonesia for period 2009 - 2013
"Penelitian ini bertujuan untuk menganalisis pengaruh faktor karakteristik spesifik bank dan struktur sistem keuangan yang diproksikan dengan bank loan (BLOAN), liquid asset to customer and short-term investment (LIQ), loan to deposit ratio (LDR), equity to total asset ratio (EQAS), capital adequacy ratio (CAR), Size, Beban Operasional dan Pendapatan Operasional (BOPO), concentration (CONC), total bank assets to GDP (ASSGDP), market capitalization to bank assets (MACPASS), dan market capitalization to GDP (MACGDP) terhadap profitabilitas Bank Umum Konvensional di Indonesia selama periode lima tahun mulai dari 2009 sampai dengan 2013. Pengujian dilakukan dengan model regresi least square. Hasil penelitian ini menemukan bahwa karakteristik spesifik bank dan struktur sistem keuangan memiliki pengaruh signifikan terhadap profitabilitas bank.
This research is aimed to analyze the influence of Specific Bank and Financial Structure Factors that proxied with bank loan (BLOAN), liquid asset to customer and short-term investment (LIQ), loan to deposit ratio (LDR), equity to total asset ratio (EQAS), capital adequacy ratio (CAR), Size, cost to income ratio (BOPO), concentration (CONC), total bank assets to GDP (ASSGDP), market capitalization to bank assets (MACPASS), and market capitalization to GDP (MACGDP) of the Bank Profitability in Indonesia during the period of five years starting from 2009 up to 2013. The tests were conducted with the least square regression model. The results of this research found that bank specific and financial structure significantly has influence on bank profitability."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2014
S58134
UI - Skripsi Membership  Universitas Indonesia Library
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Triadi
Pengaruh faktor internal dan eksternal bank terhadap rata-rata tingkat suku bunga pinjaman dan simpanan pada bank umum konvensional di Indonesia periode 2009-2013 = The Effect of internal and external bank's factors toaverage lending and funding interest rate of conventional banks in Indonesia period 2009-2013
"Berdasarkan data Bank Indonesia pendapatan bunga bank mengkontribusi 76% terhadap total pendapatan kotor operasional bank. Hal ini menunjukkan pendapatan bunga bank merupakan komponen yang penting dalam profitabilitas bank. Dikarenakan tingkat suku bunga merupakan komponen yang menghasilkan pendapatan kotor operasional bank, maka sangatlah penting mengetahui faktor apa saja yang mempengaruhi tingkat suku bunga bank di tahun berjalan. Tesis ini mengindentifikasi faktor internal bank dan faktor eksternal yang mempengaruhi tingkat suku bunga dalam periode 2009-2013. Objek penelitian ini menggunakan 109 bank yang tercatat aktif di Bank Indonesia. Tingkat suku bunga pinjaman dan simpanan sebagai variabel dependen. BOPO (Biaya Operasional Pendapatan Operasional), Rasio NIM (Net Interest Margin), rasio NPL (Non Performing Loan), total kredit, DPK (Dana Pihak Ketiga), dan LDR(Loan Deposit Ratio) dan BI RATE sebagai variabel independen. Hasil penelitian menunjukkan variabel BOPO, NIM, dan NPL bergerak positif sementara variabel Total Kredit bergerak negatif terhadap tingkat suku bunga pinjaman. Variabel DPK dan BI Rate bergerak positif sementara variabel LDR bergerak negatif terhadap tingkat suku bunga simpanan.
Based on data from Bank Indonesia interest income contributed 76% to total gross income of the bank's operations. This shows the interest income of banks is an important component in the bank's profitability. Due to the interest rate is a component of gross revenue that result in the bank's operations, it is important to know what factors affect the level of interest rates in the current year. This thesis identifies factors the bank's internal and external factors that affect interest rate in the period 2009-2013. The object of this study using the 109 registered banks active in Bank Indonesia. The interest rates on loans and deposits as dependent variable. BOPO ratio (operasting expense to operational income), NIM ratio (Net Interest Margin), NPL ratio (Non Performing Loan), total kredit, TPF (Third Party Fund), LDR (Loan Deposit Ratio) and BI RATE as independent variables. The result: BOPO, NIM and NPL have positive effect meanwhile Credit have negative effect to loan interest rates. TPF and BI Rate have positive effect meanwhile LDR have negative effect to deposit interest rates."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2015
T-Pdf
UI - Tesis Membership  Universitas Indonesia Library
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Aisyah Suci Kirana
Analisis pengaruh karakteristik bank dan karakteristik negara terhadap fee profitability Bank umum di Asean 5 periode 2009 2013 = Analysis of Bank characteristics and country characteristics influence on commercial Bank s fee profitability in Asean 5 for the period of 2009 2013
"Bank kini tidak hanya fokus pada aktivitas tradisionalnya yang melibatkan peminjam dan pemberi pinjaman, namun juga pada aktivitas terkait dengan pengenaan biaya kepada konsumen atas jasa finansial yang diberikan oleh bank (fee based income). Dengan menggunakan data bank umum yang berasal dari ASEAN 5 periode 2009 - 2013, penelitian ini melihat karakteristik bank dan karakteristik negara yang mempengaruhi fee profitability perbankan.
Hasil estimasi menunjukkan bahwa karakteristik bank yang mempengaruhi fee profitability adalah ukuran aset, non interest expense, net interest income, solvabilitas, dan likuiditas. Sementara karakteristik negara yang mempengaruhi fee profitability bank adalah konsentrasi industri dan volatilitas nilai tukar pada negara terkait.
In recent years, commercial bank is no longer putting its focus only on traditional activities which involves lender and borrower, but also on non traditional activities by charging fees on customer for the financial services offered. By using commercial bank data in ASEAN 5 for period 2009 - 2013, we examines the influence of bank characteristics and country characteristics towards fee profitability of commercial bank's.
Our findings show that bank characteristics that have influence towards fee profitability are asset size, non interest expense, net interest income, solvability, and liquidity. In addition, country characteristics that have influence towards fee profitability are industry concentration and exchange rate volatility in particular country."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2015
S60900
UI - Skripsi Membership  Universitas Indonesia Library
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Gomgom Fernando
Analisis pengaruh systemic size bank terhadap profitabilitas bank di Indonesia periode 2009 2013 = The impact of bank systemic size on banking profitability for the period 2009 2013 / Gomgom Fernando
"Size does matter in explaining the profitability in banking sector. Large size is not necessarilly make positive effect to the economies in which Banking Industry could lead to Too Big to Fail problem. This research is aimed to differentiate between total assets and total liabilities as they have different coverage to explain variations on profitability ratios. This paper ABSTRAK
Ukuran bank merupakan determinan penting dalam melihat variasi pada rasio profitabilitas bank. Dengan pertumbuhan aset yang semakin besar, liabilitas bank secara bersamaan juga akan bertumbuh. Penelitian ini meneliti mencoba melihat ukuran bank secara sistemik yaitu tidak hanya melihat ukuran bank dari sisi total aset melainkan juga sisi liabilitas. Dengan menggunakan data perbankan Indonesia yang terdaftar pada bank Indonesia periode 2009-2013, rasio total liabilitas bank terhadap PDB suatu negara terbukti mengurangi rasio profitabilitas baik dalam terminologi Return on Assets dan Return on Equity.
ABSTRACT
estimates the impact of systemic size which proxied by liabilities over GDP on profitability ratios. The results shows systemically growth in size decreases both the Return on Assets and Return on Equity."
2014
S59966
UI - Skripsi Membership  Universitas Indonesia Library
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Muhammad Taufik Akbar
Analisis pengaruh faktor internal dan eksternal bank terhadap non performing loans bank umum TBK di Indonesia: periode 2007-2011 = The impact of bank's internal and external factors on non performing loans in Indonesian listed banking companies : empirical study period of 2007-2011
"Penelitian ini bertujuan untuk mempelajari pengaruh faktor-faktor internal dan eksternal bank terhadap tingkat Non Performing Loans bank umum terbuka di Indonesia. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan panel data dari tahun 2007 hingga tahun 2011. Objek penelitian ini adalah bank umum yang sudah go public dan tercatat sahamnya di Bursa Efek Indonesia. Faktor-faktor yang diuji pengaruhnya terhadap Non Performing Loans adalah ukuran bank, rasio kecukupan modal, portofolio kredit, pertumbuhan produk domestik bruto, dan tingkat inflasi. Estimasi model yang digunakan adalah model panel data Fixed Effect. Hasil dari penelitian ini menyimpulkan bahwa ukuran bank dan pertumbuhan produk domestik bruto memiliki pengaruh negatif dan signifikan, sedangkan portofolio kredit dan inflasi memiliki pengaruh positif signifikan terhadap Non Performing Loans.
The purpose of this study is to explore the impact of bank's internal and external factors on non performing loans in Indonesian listed banking companies. Using panel data regression with a period of 2007-2011. The object of this study is Indonesian banking companies that were listed in Indonesian Stock Exchange. The variable that are being explored are size, capital adequacy ratio, loan to assets ratio, GDP growth, and inflation. The Fixed Effects Model is employed in the model estimation. This study concludes that size and GDP growth have a negative and significant impact on Non Performing Loans, on the contrary loan to assets ratio and inflation have a positive significant impact on Non Performing Loans."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2012
T32180
UI - Tesis Open  Universitas Indonesia Library
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Walukow, Marvin Jupiter
Pengaruh diversifikasi pendapatan terhadap risiko kredit kecukupan modal dan profitabilitas bank umum di Indonesia periode 2011 - 2013 = The effect of revenue diversification on credit risk capital adequacy and profitability of commercial bank in Indonesia during 2011 - 2013 periods
"[ ABSTRAK
Penelitian ini bertujuan untuk melihat pengaruh dari diversifikasi pendapatan yang dilakukan bank umum di Indonesia terhadap risiko kredit, kecukupan modal dan profitabilitas bank tersebut. Diversifikasi pendapatan diukur dengan melihat porsi pendapatan non bunga terhadap total pendapatan. Hipotesis diuji dengan regresi panel data melalui analisis random effect model. Penelitian ini menggunakan observasi data dari 180 bank umum di Indonesia periode 2011- 2013. Penelitian ini menunjukkan bahwa diversifikasi pendapatan yang dilakukan oleh bank memiliki hubungan positif dengan risiko kredit, kecukupan modal dan profitabilitas bank.
ABSTRACT This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.
;This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.
;This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.
;This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.
;This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.
;This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.
, This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.
]"
Fakultas Eknonomi dan Bisnis Universitas Indonesia, 2016
S61801
UI - Skripsi Membership  Universitas Indonesia Library
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Retno Wahjuningsih
Aspek pengelolan dana dan profitabilitas dalam Bank Islam
"Bank Islam merupakan suatu lembaga perbankan yang menggunakan sistem dan operasi berdasarkan Syariah Islam, yakni dengan menjauhi praktek-praktek sistem bunga dan menggantinya dengan sistem bagi hasil. Bank Islam ini didirikan bukan untuk menyaingi lembaga keuangan yang telah ada, tetapi terutama adalah untuk melayani kebutuhan umat Islam yang memelihara dirinya dari keraguan tentang adanya unsur riba yang terdapat dalam "sistem bunga bank yang ada sekarang. Dalam skripsi ini pembahasan akan di tekankan" pada aspek pengelolaan dana dan profitabilitas dalam bank Islam. Metode penelitian yang digunakan adalah metode kepustakaan dan metode lapangan. Dalan hal ini, penulis mengambil contoh kasus pada Bank Islam Malaysia Berhad (BIMB). Dari hasil penelitian, ternyata BIMB dalam usaha perolehan sumber-sumber dana dan pengalokasiannya menerapkan tiga prinsip operasional, yang terdiri dari sistem bagi hasil, sistem jual beli (margin keuntungan), dan sistem fee (jasa), yang kemudian diperinci dalan bentuk-bentuk produk dengan dasar kontrak yang sesuai dengan prinsip-prinsip Syariah Islam. Adanya belum pasti kondisi di mana pihak deposan pada menerima pendapatan tambahan bank Islam dari dana simpanannya, dan adanya kemungkinan tingkat bunga dari bank konvensional (yang lebih memberikan kepastian) kadang-kadang lebih menarik (lebih tinggi), maka hal ini nenuntut adanya sikap amanah dari pihak deposan dan juga dilandasi oleh kesadaran akan perlu ditegakkannya prinsip-prinsip Syariah Islam. Berdasarkan hasil penelitian, penulis menyarankan perlu adanya penyusunan model operasi perbankan Islam yang baku, yang dapat diterapkan sesuai dengan situasi dan kondisi setempat, selain itu juga perlu adanya profesionai siap pakai dan dapat diandalkan manajemen bank Islam."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 1993
S18573
UI - Skripsi Membership  Universitas Indonesia Library
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Melisa Perusi
Analisis faktor spesifik bank makroekonomi dan industri yang mempengaruhi profitabilitas bank umum di Bank Indonesia periode 2003-2013 = Analysis of bank specific factors macroeconomic and industry specific affecting the profitability of banks in Indonesia during the period 2003-2013
"Penelitian ini dilakukan untuk menguji pengaruh karakteristik spesifik bank yakni Capital Ratio, Cost-to-income ratio, Loan loss provision (LLP), Growth Deposit, Bank Size, Interest Income Share, Funding Cost, Ownership, dan State Ownership, serta karakteristik spesifik makroekonomi dan industri dalam profitabilitas bank yang diproksikan dalam ROAA (Return On Average Assets), ROAE (Return On Average Equity), dan NIM (Net Interest Margin).
Teknik sampling yang digunakan adalah purposive sampling. Jumlah sampel sebanyak 62 Bank Umum Konvensional di Indonesia. Menggunakan teknik analisis regresi data panel dan uji hipotesis menggunakan uji t-stat, uji F ,dan adjusted R-squared. Dan menggunakan uji asumsi klasik yang meliputi Uji Normalitas, Multikolinearitas, Uji Heterokedastisitas, dan Uji Autokorelasi.
Hasil penelitian terbagi dalam 3(tiga) model, yaitu model pertama dengan profitabiltas yang diproksikan dengan ROAA (Return On Average Asset), model kedua dengan profitabilitas yang diproksikan dengan ROAE (Return On Average Equity), dan model ketiga dengan profitabilitas yang diproksikan dengan NIM (Net Interest Margin) yang masing-masing model memberikan hasil yang berbeda-beda antar variabelnya.
This study was conducted to examine the effect to the specific characteristics of the bank’s Capital Ratio, Cost-to-Income Ratio, Loan loss provision (LLP), Growth Deposit, Bank Size, Interest Income Share, Funding Cost, Ownership, and Nationality, and the specific characteristics of macroeconomic and industry in bank profitability is proxied in ROAA (Return On Average Assets), ROAE (Return On Average Equity) , and NIM (Net Interest Margin).
The sampling technique used was purposive sampling. The total sample of 62 Commercial Bank in Indonesia. Using a panel data regression analysis and hypothesis testing using t-stat test, F test, and adjusted R-squared. And using the classical assumption includes Normality Test, Multicollinearity, Test Heterocedastity, and autocorrelation test.
The results of the study is divided into three (3) models, the first model to profitability proxied by ROAA (Return on Average Assets), the second model to profitability proxied by ROAE (Return on Average Equity), and a third model with profitability proxied by NIM (Net Interest Margin) that each model gives different results between the variables."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2015
S58385
UI - Skripsi Membership  Universitas Indonesia Library
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