Analisis Profitabilitas Bank Domestik dan Bank Asing Periode 2008-2015
Intisari:Penelitian ini berangkat dari rumusan masalah berupa inkonsistensi penelitian terdahulu tentang perbandingan profitabilitas bank domestik dan bank asing. Penelitian ini juga ingin menguji pengaruh capital adecuacy ratio (CAR), loan to deposit ratio (LDR), penyisihan penghapusan aktiva produ...
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| Format: | Thesis |
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Universitas Gadjah Mada
2016
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| _version_ | 1826049662171217920 |
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| author | Parwata, Adam Said |
| author_facet | Parwata, Adam Said |
| author_sort | Parwata, Adam Said |
| collection | UGM |
| description | Intisari:Penelitian ini berangkat dari rumusan masalah berupa inkonsistensi penelitian terdahulu tentang perbandingan profitabilitas bank domestik dan bank asing. Penelitian ini juga ingin menguji pengaruh capital adecuacy ratio (CAR), loan to deposit ratio (LDR), penyisihan penghapusan aktiva produktif (PPAP), aktivitas off balance sheet (OBS), biaya operasional pendapatan operasional (BOPO), dan kepemilikan asing terhadap tiga proksi profitabilitas, yaitu return on asset (ROA), return on equity (ROE), dan net interest margin (NIM).
Jenis data yang digunakan dalam penelitian ini adalah data panel, gabungan antara data cross section dan time series. Uji komparatif atau uji beda rata-rata ROA, ROE, dan NIM antara bank domestik dan bank asing menggunakan independent t-test. Penelitian ini menggunakan analisis regresi berganda berbasis ordinary least square (OLS) dan generalized least square (GLS) dalam menganalisis pengaruh variabel-variabel independen terhadap variabel dependen.
Hasil independent t-test menunjukkan bahwa ROA dan ROE bank domestik lebih tinggi dibandingkan bank asing, sementara NIM bank asing lebih tinggi dibandingkan bank domestik. Pada pengujian determinan profitabilitas, semua variabel independen berpengaruh signifikan terhadap profitabilitas. CAR, LDR, PPAP, aktivitas OBS, BOPO, dan kepemilikan asing berpengaruh negatif terhadap profitabilitas. Perusahaan harus memberikan perhatian lebih terhadap efisiensi operasional karena berdasarkan hasil analisis BOPO memiliki pengaruh paling besar terhadap profitabilitas.
Abstract:This study departed from the problem formulation of previous studies inconsistency on the profitability comparison between domestic banks and foreign banks. The study also wants to examine the effect of capital adecuacy ratio (CAR), the loan to deposit ratio (LDR), allowance for uncollectible accounts (PPAP), the activity of off-balance sheet (OBS), operation efficiency (BOPO), and foreign ownership of profitability�s proxy, return on assets (ROA), return on equity (ROE), and the net interest margin (NIM).
Data used in this study was panel data, a combination of cross section data and time series. Comparative trials or average different test of ROA, ROE, and NIM between domestic banks and foreign banks used independent t-test. This study used multiple regression analysis based on ordinary least squares (OLS) and generalized least squares (GLS) to analyze the effect of independent variables on the dependent variable.
Results of independent t-test showed that ROA and ROE of domestic banks were higher than foreign banks, while NIM of foreign banks was higher than domestic banks. When testing the determinants of profitability, all of independent variables had significant effect on profitability. CAR, LDR, PPAP, OBS activities, BOPO, dan foreign ownership had negative effect on profitability. Companies should pay more attention to operational efficiency because based on the analysis, BOPO have the most impact on profitability. |
| first_indexed | 2024-03-13T23:50:07Z |
| format | Thesis |
| id | oai:generic.eprints.org:273037 |
| institution | Universiti Gadjah Mada |
| last_indexed | 2024-03-13T23:50:07Z |
| publishDate | 2016 |
| publisher | Universitas Gadjah Mada |
| record_format | dspace |
| spelling | oai:generic.eprints.org:2730372017-11-10T03:57:53Z https://repository.ugm.ac.id/273037/ Analisis Profitabilitas Bank Domestik dan Bank Asing Periode 2008-2015 Parwata, Adam Said Banking Finance and Investment Financial Institutions (incl. Banking) Intisari:Penelitian ini berangkat dari rumusan masalah berupa inkonsistensi penelitian terdahulu tentang perbandingan profitabilitas bank domestik dan bank asing. Penelitian ini juga ingin menguji pengaruh capital adecuacy ratio (CAR), loan to deposit ratio (LDR), penyisihan penghapusan aktiva produktif (PPAP), aktivitas off balance sheet (OBS), biaya operasional pendapatan operasional (BOPO), dan kepemilikan asing terhadap tiga proksi profitabilitas, yaitu return on asset (ROA), return on equity (ROE), dan net interest margin (NIM). Jenis data yang digunakan dalam penelitian ini adalah data panel, gabungan antara data cross section dan time series. Uji komparatif atau uji beda rata-rata ROA, ROE, dan NIM antara bank domestik dan bank asing menggunakan independent t-test. Penelitian ini menggunakan analisis regresi berganda berbasis ordinary least square (OLS) dan generalized least square (GLS) dalam menganalisis pengaruh variabel-variabel independen terhadap variabel dependen. Hasil independent t-test menunjukkan bahwa ROA dan ROE bank domestik lebih tinggi dibandingkan bank asing, sementara NIM bank asing lebih tinggi dibandingkan bank domestik. Pada pengujian determinan profitabilitas, semua variabel independen berpengaruh signifikan terhadap profitabilitas. CAR, LDR, PPAP, aktivitas OBS, BOPO, dan kepemilikan asing berpengaruh negatif terhadap profitabilitas. Perusahaan harus memberikan perhatian lebih terhadap efisiensi operasional karena berdasarkan hasil analisis BOPO memiliki pengaruh paling besar terhadap profitabilitas. Abstract:This study departed from the problem formulation of previous studies inconsistency on the profitability comparison between domestic banks and foreign banks. The study also wants to examine the effect of capital adecuacy ratio (CAR), the loan to deposit ratio (LDR), allowance for uncollectible accounts (PPAP), the activity of off-balance sheet (OBS), operation efficiency (BOPO), and foreign ownership of profitability�s proxy, return on assets (ROA), return on equity (ROE), and the net interest margin (NIM). Data used in this study was panel data, a combination of cross section data and time series. Comparative trials or average different test of ROA, ROE, and NIM between domestic banks and foreign banks used independent t-test. This study used multiple regression analysis based on ordinary least squares (OLS) and generalized least squares (GLS) to analyze the effect of independent variables on the dependent variable. Results of independent t-test showed that ROA and ROE of domestic banks were higher than foreign banks, while NIM of foreign banks was higher than domestic banks. When testing the determinants of profitability, all of independent variables had significant effect on profitability. CAR, LDR, PPAP, OBS activities, BOPO, dan foreign ownership had negative effect on profitability. Companies should pay more attention to operational efficiency because based on the analysis, BOPO have the most impact on profitability. Universitas Gadjah Mada 2016 Thesis NonPeerReviewed Parwata, Adam Said (2016) Analisis Profitabilitas Bank Domestik dan Bank Asing Periode 2008-2015. Masters thesis, Universitas Gadjah Mada. http://etd.repository.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=102445 |
| spellingShingle | Banking Finance and Investment Financial Institutions (incl. Banking) Parwata, Adam Said Analisis Profitabilitas Bank Domestik dan Bank Asing Periode 2008-2015 |
| title | Analisis Profitabilitas Bank Domestik dan Bank Asing Periode 2008-2015 |
| title_full | Analisis Profitabilitas Bank Domestik dan Bank Asing Periode 2008-2015 |
| title_fullStr | Analisis Profitabilitas Bank Domestik dan Bank Asing Periode 2008-2015 |
| title_full_unstemmed | Analisis Profitabilitas Bank Domestik dan Bank Asing Periode 2008-2015 |
| title_short | Analisis Profitabilitas Bank Domestik dan Bank Asing Periode 2008-2015 |
| title_sort | analisis profitabilitas bank domestik dan bank asing periode 2008 2015 |
| topic | Banking Finance and Investment Financial Institutions (incl. Banking) |
| work_keys_str_mv | AT parwataadamsaid analisisprofitabilitasbankdomestikdanbankasingperiode20082015 |