UJI EMPIRIS RISK AVERSE DEALER MODEL TERHADAP PENETAPAN NET OPERATING MARGIN (NOM) BANK SYARIAH DI INDONESIA

NOVIYANTI, ELSA (2020) UJI EMPIRIS RISK AVERSE DEALER MODEL TERHADAP PENETAPAN NET OPERATING MARGIN (NOM) BANK SYARIAH DI INDONESIA. S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

This purpose of this study was to analyze the determinants of Net Operating Margin of the sharia banking companies in the Financial Services Authority of Indonesia (OJK). This research uses the Risk Averse Dealer model developed by Ho and Saunders (1981). The dependent variable in this study was the Net Operating Margin, and the independent variable was Implicit Interest Expenses, Opportunity Cost of Reserve Requirement and Default Premium of Loan. The population in this research is 11 sharia banking in Indonesia, The study of this research were five years, in quarterly data from 2014-2018. The research use purposive sampling method. Purposive sampling method is a sampling method that is based on certain criteria. Data analysis uses Fama MacBeth Regression with Stata SE 11.2 software. Based on data analysis can be concluded that Implicit Interest Expenses, Opportunity Cost of Reserve Requirement has a negative and significant effect on net operating margin, while Default Premium of Loan does not have a significant effect on Net Operating Margin. Keywords: Net Operating Margin, Implicit Interest Expenses, Opportunity Cost of Reserve Requirement and Default Premium of Loan. Tujuan dari penelitian ini adalah untuk menguji secara empiris faktor-faktor penentu Margin Operasi Bersih perusahaan perbankan syariah yang terdaftar di Otoritas Jasa Keuangan Indonesia (OJK). Penelitian ini menggunakan model Risk Averse Dealer yang dikembangkan oleh Ho dan Saunders (1981). Variabel dependen dalam penelitian ini adalah margin operasi bersih, dan variabel independennya adalah biaya bunga Implisit, biaya peluang dari giro wajib minimum dan premi dari kredit yang gagal bayar. Populasi dalam sampel ini adalah 11 bank syariah di Indonesia, periode penelitian ini dilakukan selama lima tahun, dalam data triwulanan dari tahun 2014-2018. Penelitian ini menggunakan metode purposive sampling. Metode pengambilan sampel purposive adalah metode pengambilan sampel yang didasarkan pada kriteria tertentu. Analisis data menggunakan regresi Fama MacBeth dengan perangkat lunak Stata SE 11.2. Berdasarkan analisis data dapat disimpulkan bahwa biaya bunga Implisit, biaya peluang dari giro wajib minimum berpengaruh negatif dan signifikan terhadap margin operasi bersih, sedangkan premi dari kredit yang gagal bayar tidak memiliki pengaruh signifikan terhadap margin operasi bersih. Kata Kunci: Margin Operasi Bersih, Implicit Interest Expenses, Opportunity Cost of Reserve Requirement and Default Premium of Loan.

Item Type: Thesis (S1)
Call Number CD: FE/MJ. 20 007
Call Number: SE/31/21/319
NIM/NIDN Creators: 43115120082
Uncontrolled Keywords: Margin Operasi Bersih, Implicit Interest Expenses, Opportunity Cost of Reserve Requirement and Default Premium of Loan.
Subjects: 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.2 Specialized Banking Institutions/Institusi Perbankan Khusus
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.8 Interest and Discount/Bunga Bank dan Diskon
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian > 334.2 Banking and Credit Cooperatives/Koperasi Perbankan dan Kredit
Divisions: Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User: Dede Muksin Lubis
Date Deposited: 26 Oct 2021 03:00
Last Modified: 24 Feb 2022 07:13
URI: http://repository.mercubuana.ac.id/id/eprint/49855

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