Analisis Determintan Marjin Bunga Bersih dan Profitabilitas Perbankan di Indonesia

Putra, Ferdiansyah Artha (2020) Analisis Determintan Marjin Bunga Bersih dan Profitabilitas Perbankan di Indonesia. Masters thesis, IPB University.

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Abstract

Bank is a business entity that collects funds from the public in the form of deposits and channels them back to the community in a loan. The main objective of banking is to obtain profitability, based on the performance of banks during the period 2014 to 2018 Indonesian banks on average experienced growth of eight percent, but not directly proportional to the net interest margin which only grew by two percent per year and the last two years decreased by Nine percent per year. This study has two objectives namely: (1) analyzing the factors that influence net interest margins and bank profitability in Indonesia; (2) formulate a strategy that can be considered by banks to increase profitability and maintain net interest margin growth. The research uses EVIEWS 10 and SPSS 26 tools with a total of 114 banks using time series data from the period 2014 to 2018. The results of this study indicate the net interest margin of BUKU I and BUKU II banks is significantly influenced by the level of liquidity (LDR) for BUKU III banks influenced by market share strength and BUKU IV banks are significantly influenced by asset growth (SIZE). While the profitability of banks BUKU I, BUKU II, BUKU III and BUKU IV by the level of efficiency (BOPO). Based on the results of research to maintain the net interest margin level of BUKU I, BUKU II and BUKU III banks by tightening the liquidity of banks that still have liquidity leeway below ninety percent and BUKU IV by maintaining loan portfolio portfolio, while maintaining the profitability growth of BUKU banks I, BOOK II, BOOK III, and BOOK IV namely reducing the level of efficiency (BOPO) by increasing CASA (Current Account Saving Account) / demand deposits and savings to help reduce the level of efficiency (BOPO).

Item Type: Thesis (Masters)
Uncontrolled Keywords: Profitabilitas, marjin buga bersih dan perbankan Indonesia, EVIEWS, SPSS Profitability, Net Interest Margin , Indonesia of Bank
Subjects: Manajemen Keuangan
Depositing User: SB-IPB Library
Date Deposited: 15 Jun 2022 01:47
Last Modified: 15 Jun 2022 01:47
URI: http://repository.sb.ipb.ac.id/id/eprint/3859

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