ANALISIS PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PROFITABILITAS PERBANKAN (Studi pada Bank Umum di Indonesia Periode Januari 2003 - Februari 2012)
Abstract: Bank is one of the
financial institution which have activities to raise funds from the public in the
form of savings and channel them to the public in form of credit or other forms
in order to improve the living standard of the people. The purpose of the banking
business to make a profitability.The bank profitability is one of the most
important indicator in determining the success of a bank andcan be used as
basis for policy and strategy of the banking system in the period to come. The
main purpose of this research is to examine the influence of Equity to Total
Assets Ratio (EAR), OperatingExpenses to Operating Income (ROA), Loan to Assets
Ratio (LAR), Firm size, economic growth, inflation and the volatility of ROA on
Return On Assets (ROA).The population of this research are commercial banks in
Indonesia. The priority selection of the sample is by using purposive sampling
method with the overall criteria of the monthly financialreports of the most
commercial bankings in Indonesia during the observation period January 2003-February
2012 has been published by Bank Indonesia. Totality of the sample which has
been used in this study was 110 samples. In this study, the research method is
by using descriptive analysis,stationarity test, classical assumption test
(test for normality and autocorrelation test), analyticalmodels of the
Generalized Autoregressive Conditional Heteroscedasticity in Mean (GARCH-M),hypothesis
test (z-statistic test, F-statistics test, and coefficient of determination
test (R2)).The results of this research found that Equity to Total Assets Ratio
(EAR) have a positive and significant effect on Return on Assets (ROA),
Operating Expenses to Operating Income (ROA) andLoan to Assets Ratio (LAR) have a negative and
significant effect on Return On assets (ROA), Firmsize have a positive and
significant effect on Return on Assets (ROA), economic growth and inflationhave
regression coefficients were positive but insignificant ROA and volatility of
ROA have a negative and significant effect on Return On asset (ROA).
Penulis: Silvia Hendrayanti,
Harjum Muharam
Kode Jurnal: jpmanajemendd131128
