PENGARUH INTELLECTUAL CAPITAL, DEPOSITS, CAR, DAN KOMISARIS INDEPENDEN TERHADAP KINERJA KEUANGAN BANK UMUM SWASTA NASIONAL NON-DEVISA YANG TERDAFTAR DI BEI TAHUN 2012-2015
Abstract: Banks as financial
intermediary institutions have an important role in the economy of country.
This study aims to examine the influences of intellectual capital, deposits,
CAR, and independent commissioners on the financialperformance of banks.
Financial performance of banks using ROA as proxy. This research uses
quantitativeapproach and secondary data which were collected from 2012-2015 of
bank financial statement published byIndonesian Stock Exchange. The research
objects are Non-Devisa National Private Banks that listed on theIndonesian
Stock Exchange. The sample of the study is 8 banks chosen by purposive sampling
method. The methodof analysis used is multiple linear regression. The results
showed that intellectual capital, deposits and independentcommissioners have an
influences on financial performance. While the CAR has no effect on financial
performance. Banks were able to utilized optimally the intellectual capital
resources, financial performance increased. Banks with high deposit value and
active loans distribution have the potential to achieved better financial
performance. However, the existence of an excessive number of independent
commissioners is unable to supported the improvement of the bank's financial
performance. The inability of banks to managed and utilized high capital adequacy
causes CAR has no effect the financial performance of banks. The main
recommendation given by this research from the positive influence of
intellectual capital and deposits on financial performance, the company can focus
on resource of intellectual capital utilization and deposits optimally.
Investor can also take advantage of intellectual capital and deposits on
investment decision making.
Keywords: intellectual
capital, deposits, CAR, independent commissioners, ROA
Penulis: Venty Octavia
Kode Jurnal: jpmanajemendd171134
