Comparative Study : Determinant On Banking Profitability Between Buku 4 And Buku 3 Bank In Indonesia
Abstract: This research is
performed on order to analyze the influence of Non Performing Loan (NPL), Loan
to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Net Interest Margin
(NIM), and Operating Expense to Operating Income Ratio (OEOI) as independent
variable toward Return on Asset (ROA) and Return on Equity (ROE) as dependent
variable. Sample for this research is all of BUKU 4 banks and seven banks on
BUKU 3 banks in Indonesia in 2006-2015
period. Data analysis with multi liniear regression. The result of this research shows that all of independent
variables have significant influence on ROA and ROE simultaneously. NIM has partially significant effect on
profitability both in BUKU 3 and BUKU 4 banks but other variables have various
effect on profitability. The amount of the contribution or influence independent
variables to ROA are 64,7% in BUKU 3
banks and 90,4% on BUKU 4 banks. Meanwhile contribution of independent
variables to ROE are 55,4% in BUKU 3 banks and 74,1% in BUKU 4 banks.
Keywords: Banking;
Profitability; Buku 3; Buku 4
Penulis: Andy Setiawan,
Bambang Hermanto
Kode Jurnal: jpmanajemendd170330
