Analisi Regresi Data Panel pada Kinerja Perbankan di Indonesia
Abstract- The determinants of bank performance can be grouped into three groups, namely; 1) bank specific factors related to management decisions and policy objectives, 2) industry factors related to industrial structure and market growth, and 3) macroeconomic factors that reflect the economic condi...
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| Format: | Article |
| Language: | English |
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Muhammadiyah University Press
2020-12-01
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| Series: | Benefit Jurnal Manajemen dan Bisnis |
| Subjects: | |
| Online Access: | http://journals.ums.ac.id/index.php/benefit/article/view/12492 |
| _version_ | 1818624478079352832 |
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| author | Keti Purnamasari |
| author_facet | Keti Purnamasari |
| author_sort | Keti Purnamasari |
| collection | DOAJ |
| description | Abstract- The determinants of bank performance can be grouped into three groups, namely; 1) bank specific factors related to management decisions and policy objectives, 2) industry factors related to industrial structure and market growth, and 3) macroeconomic factors that reflect the economic conditions in which the bank operates. This study analyzes the effect of bank-specific factors and industry factors on banking performance using panel data regression analysis on a sample of 39 Indonesian Commercial Banks during the 2015-2019 period. Bank specific factors consist of bank size, efficiency, and capital adequacy, while the industrial factor in this study is the market structure which includes market concentration and market share. Banking performance is measured by Return on Equity and Net Interest Margin. The results of this study indicate that bank size and efficiency (BOPO) has a negative and significant effect on banking performance. Capital adequacy and market concentration have no effect on banking performance. Meanwhile, the market share variable has a positive and significant effect on banking performance as measured by Net Interest Margin but does not affect banking performance as measured by Return on Equity.
Keywords : bank size, efficiency, capital adequacy, market structure, banking performance
Abstrak- Determinan kinerja bank dapat dikelompokkan menjadi tiga kelompok yaitu ; 1) faktor spesifik bank yang terkait dengan keputusan manajemen dan tujuan kebijakan, 2) faktor industri yang terkait struktur industri dan pertumbuhan pasar, dan 3) faktor makroekonomi yang mencerminkan keadaan ekonomi dimana bank beroperasi. Penelitian ini menganalisis pengaruh faktor spesifik bank dan faktor industri terhadap kinerja perbankan dengan menggunakan analisis regresi data panel pada sampel dari 39 Bank Umum Konvensional Indonesia selama periode 2015-2019. Faktor spesifik bank terdiri atas ukuran bank, efisiensi, dan kecukupan modal sedangkan faktor industri dalam penelitian ini adalah struktur pasar yang meliputi konsentrasi pasar dan pangsa pasar. Kinerja perbankan diukur dengan Return on Equity dan Net Interest Margin. Hasil penelitian ini menunjukkan hasil bahwa variabel ukuran bank dan efisiensi (BOPO) memiliki pengaruh negatif dan signifikan terhadap kinerja perbankan. Variabel kecukupan modal dan konsentrasi pasar tidak berpengaruh terhadap kinerja perbankan. Sedangkan variabel pangsa pasar memiliki pengaruh positif dan signifikan terhadap kinerja perbankan yang diukur dengan Net Interest Margin namun tidak berpengaruh terhadap kinerja perbankan yang diukur dengan Return on Equity.
Keywords : ukuran bank, efisiensi, kecukupan modal, struktur pasar, kinerja perbankan |
| first_indexed | 2024-12-16T18:57:35Z |
| format | Article |
| id | doaj.art-6a86eaad4e154b9188890aa4a78d2cd7 |
| institution | Directory Open Access Journal |
| issn | 1410-4571 2541-2604 |
| language | English |
| last_indexed | 2024-12-16T18:57:35Z |
| publishDate | 2020-12-01 |
| publisher | Muhammadiyah University Press |
| record_format | Article |
| series | Benefit Jurnal Manajemen dan Bisnis |
| spelling | doaj.art-6a86eaad4e154b9188890aa4a78d2cd72022-12-21T22:20:28ZengMuhammadiyah University PressBenefit Jurnal Manajemen dan Bisnis1410-45712541-26042020-12-015219920810.23917/benefit.v5i2.124926097Analisi Regresi Data Panel pada Kinerja Perbankan di IndonesiaKeti Purnamasari0Sriwijaya State PolytechnicAbstract- The determinants of bank performance can be grouped into three groups, namely; 1) bank specific factors related to management decisions and policy objectives, 2) industry factors related to industrial structure and market growth, and 3) macroeconomic factors that reflect the economic conditions in which the bank operates. This study analyzes the effect of bank-specific factors and industry factors on banking performance using panel data regression analysis on a sample of 39 Indonesian Commercial Banks during the 2015-2019 period. Bank specific factors consist of bank size, efficiency, and capital adequacy, while the industrial factor in this study is the market structure which includes market concentration and market share. Banking performance is measured by Return on Equity and Net Interest Margin. The results of this study indicate that bank size and efficiency (BOPO) has a negative and significant effect on banking performance. Capital adequacy and market concentration have no effect on banking performance. Meanwhile, the market share variable has a positive and significant effect on banking performance as measured by Net Interest Margin but does not affect banking performance as measured by Return on Equity. Keywords : bank size, efficiency, capital adequacy, market structure, banking performance Abstrak- Determinan kinerja bank dapat dikelompokkan menjadi tiga kelompok yaitu ; 1) faktor spesifik bank yang terkait dengan keputusan manajemen dan tujuan kebijakan, 2) faktor industri yang terkait struktur industri dan pertumbuhan pasar, dan 3) faktor makroekonomi yang mencerminkan keadaan ekonomi dimana bank beroperasi. Penelitian ini menganalisis pengaruh faktor spesifik bank dan faktor industri terhadap kinerja perbankan dengan menggunakan analisis regresi data panel pada sampel dari 39 Bank Umum Konvensional Indonesia selama periode 2015-2019. Faktor spesifik bank terdiri atas ukuran bank, efisiensi, dan kecukupan modal sedangkan faktor industri dalam penelitian ini adalah struktur pasar yang meliputi konsentrasi pasar dan pangsa pasar. Kinerja perbankan diukur dengan Return on Equity dan Net Interest Margin. Hasil penelitian ini menunjukkan hasil bahwa variabel ukuran bank dan efisiensi (BOPO) memiliki pengaruh negatif dan signifikan terhadap kinerja perbankan. Variabel kecukupan modal dan konsentrasi pasar tidak berpengaruh terhadap kinerja perbankan. Sedangkan variabel pangsa pasar memiliki pengaruh positif dan signifikan terhadap kinerja perbankan yang diukur dengan Net Interest Margin namun tidak berpengaruh terhadap kinerja perbankan yang diukur dengan Return on Equity. Keywords : ukuran bank, efisiensi, kecukupan modal, struktur pasar, kinerja perbankanhttp://journals.ums.ac.id/index.php/benefit/article/view/12492ukuran bank, efisiensi, kecukupan modal, struktur pasar, kinerja perbankan |
| spellingShingle | Keti Purnamasari Analisi Regresi Data Panel pada Kinerja Perbankan di Indonesia Benefit Jurnal Manajemen dan Bisnis ukuran bank, efisiensi, kecukupan modal, struktur pasar, kinerja perbankan |
| title | Analisi Regresi Data Panel pada Kinerja Perbankan di Indonesia |
| title_full | Analisi Regresi Data Panel pada Kinerja Perbankan di Indonesia |
| title_fullStr | Analisi Regresi Data Panel pada Kinerja Perbankan di Indonesia |
| title_full_unstemmed | Analisi Regresi Data Panel pada Kinerja Perbankan di Indonesia |
| title_short | Analisi Regresi Data Panel pada Kinerja Perbankan di Indonesia |
| title_sort | analisi regresi data panel pada kinerja perbankan di indonesia |
| topic | ukuran bank, efisiensi, kecukupan modal, struktur pasar, kinerja perbankan |
| url | http://journals.ums.ac.id/index.php/benefit/article/view/12492 |
| work_keys_str_mv | AT ketipurnamasari analisiregresidatapanelpadakinerjaperbankandiindonesia |