DETERMINAN KINERJA BANK UMUM DENGAN SUKU BUNGA PENJAMINAN SEBAGAI VARIABEL MODERASI PADA BANK YANG TERDAFTAR DI BEI TAHUN 2016 – 2020

HARTANTO, DHANANG (2022) DETERMINAN KINERJA BANK UMUM DENGAN SUKU BUNGA PENJAMINAN SEBAGAI VARIABEL MODERASI PADA BANK YANG TERDAFTAR DI BEI TAHUN 2016 – 2020. S2 thesis, Universitas Mercu Buana Jakarta.

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Abstract

The purpose of this study was to analyze and examine the effect of BOPO, CAR, LDR, NPL and SIZE with the Guaranteed Interest Rate (LPS) as a moderating variable on the ROA of Commercial Banks listed on the Indonesia Stock Exchange for the 2016-2020 period. The statistical analysis method used in the preparation of this research is quantitative with descriptive explanations. Data collection techniques were obtained from secondary data through library research, secondary data obtained through the internet site www.idx.co.id in the form of information and bank financial reports on an annual basis for the 2016- 2020 period. The analytical method used panel data regression analysis method and with a sample of 38 company data in the 2016-2020 period. The analytical method used in this study is moderated regression analysis (MRA). The results showed that the determinants of Operating Costs with Operating Income (BOPO) had a positive and significant effect on Return On Assets (ROA), and Guarantee Interest Rates (SBP) had a positive and significant effect on Return On Assets (ROA) and Non-Performing Loans (NPL). significant negative effect on Return On Assets (ROA). Meanwhile, the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Bank Size (SIZE) have no effect on Return On Assets (ROA). The results of the Moderating Guarantee Interest Rate (SBP) are able to moderate the relationship between Operational Costs and Operating Income (BOPO) and Guarantee Interest Rates (SBP) moderate the relationship of Non Performing Loans (NPL) to Return On Assets. and d It is believed that the Guaranteed Interest Rate (SBP) has force power as a determinant of the level of profitability or performance of the Bank. Keywords: Determinant, Bank, Performanc, IDX, Moderation Tujuan dari penelitian ini adalah untuk menganalisis dan meneliti pengaruh BOPO, CAR, LDR, NPL dan SIZE dengan Suku Bunga Penjaminan (LPS) sebagai variabel moderasi terhadap ROA Bank Umum yang terdaftar di Bursa Efek Indonesia untuk periode Tahun 2016-2020. Metode analisis statistik yang digunakan dalam penyusunan penelitian ini adalah kuantitatif denganpenjelasan deskriptif. Teknik pengumpulan data diperoleh dari data sekunder melalui kepustakaan (library research), data-data sekunder yang diperoleh melalui situs internet www.idx.co.id berupa informasi dan laporan keuangan bank secara tahunan periode 2016- 2020. Model analisis yang digunakan adalah analisis regresi data panel serta jumlah sampel 38 data perusahaan periode tahun 2016- 2020 dengan menerapkan analisis regresi moderasi (MRA).Hasil penelitian menunjukkan bahwa determinan Biaya Operasional dengan Pendapatan Operasional (BOPO) berpengaruh positif serta signifikan terhadap Return On Asset (ROA), Suku Bunga Penjaminan (SBP) berpengaruh positif serta signifikan terhadap Return On Asset (ROA) dan Non Performing Loan (NPL) berpengaruh negatif signifikan terhadap Return On Asset (ROA). Adapun Capital Adequacy Ratio ( CAR), Loan to Deposit Ratio (LDR), Ukuran Bank (SIZE) tidak berpengaruh terhadap Return On Asset (ROA). Hasil moderasi Suku Bunga Penjaminan (SBP) memoderasi hubungan Biaya Operasional dengan Pendapatan Operasional (BOPO) dan Suku Bunga Penjaminan (SBP) memoderasi hubungan Non Performing Loan (NPL) terhadap terhadap Return On Asset. Diperoleh keyakinan bahwa Suku Bunga Penjaminan (SBP) memiliki force power sebagai penentu tingkat profitabilitas atau kinerja Bank. Kata Kunci: Determinan, Bank, Kinerja, BEI, Moderasi

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