PENGARUH BI RATE, SUKU BUNGA PASAR UANG ANTAR BANK (PUAB) DAN FAKTOR-FAKTOR KINERJA BANK TERHADAP LABA PERBANKAN
DOI:
https://doi.org/10.22441/indikator.v3i1.5158Kata Kunci:
BI rate, CAR, Laba, LDR, NIM, NPL, PUABAbstrak
Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh BI rate, suku bunga pasar uang antar bank (PUAB) dan faktor-faktor kinerja bank terhadap laba perbankan. Kinerja bank yang dimaksud dalam penelitian ini meliputi Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR). Data yang digunakan pada penelitian ini merupakan data bulanan untuk periode Januari 2011 sampai dengan Juni 2017 yang diperoleh dari situs resmi Otoritas Jasa Keuangan. Metode sampling yang digunakan adalah sampling jenuh, dimana semua anggota populasi dijadikan sebagai sample. Sedangkan metode analisis yang digunakan adalah Vector Auto Regression (VAR). Hasil penelitian menunjukan variabel yang memiliki pengaruh positif terhadap laba adalah variabel CAR. Sedangkan variabel yang memiliki pengaruh negatif terhadap laba diantaranya variabel NPL, BIR dan PUAB. Variabel yang memiliki kontribusi paling besar terhadap laba adalah variabel NPL dan variabel NIM
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