PENGARUH LOAN TO ASSET RATIO (LAR), NON PERFORMING LOAN
(NPL), EQUITY TO ASSET RATIO (EAR) DAN UKURAN PERUSAHAAN
TERHADAP PROFITABILITAS BANK
(Studi Kasus pada Bank Pembangunan Daerah di Indonesia Periode 2014-2018)
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Institusion
Universitas Stikubank
Author
Kustyaningrum, Aprilliya
Subject
H Social Sciences (General)
Datestamp
2020-05-18 03:58:28
Abstract :
Penelitian ini bertujuan untuk menganalisis pengaruh variabel independen Loan to Asset Ratio (LAR), Non Performing Loan (NPL), Equity to Asset Ratio (EAR) dan Ukuran Perusahaan (Size) terhadap variabel dependen Profitabilitas (ROA). Populasi dalam penelitian ini adalah seluruh Bank Pembangunan Daerah di Indonesia yang terdaftar di Otoritas Jasa Keuangan periode 2014-2018. Metode pengambilan sampel menggunakan purposive sampling. Data dianalisis dengan metode analisis regresi data panel menggunakan Eview 9. Pilihan model regresi data panel meliputi Estimasi Common Effect Model (CEM), Fixed Effect Model (FEM) dan Random Effect Model (REM). Pemilihan model menggunakan Uji Chow dan Uji Hausman. Hasil kedua uji tersebut merekomendasikan penelitian ini menggunakan output estimasi Random Effect Model (REM) untuk pengujian hipotesis. Hasil penelitian menunjukkan bahwa EAR berpengaruh signifikan positif terhadap Profitabilitas (ROA), NPL dan Ukuran Perusahaan berpengaruh signifikan negatif terhadap Profitabilitas (ROA) sedangkan LAR tidak berpengaruh signifikan terhadap Profitabilitas (ROA). Nilai adjusted R 2 sebesar 25.81% menunjukkan bahwa 25.81% variabel dependen Profitabilitas dapat dijelaskan oleh variabel independen dalam penelitian ini. Sedangkan sisanya 74.19% dijelaskan oleh faktor lain yang tidak termasuk dalam model regresi ini. ABSTRACT This study aims to analyze the influence of the independent variables Loan to Asset Ratio (LAR), Non Performing Loans (NPL), Equity to Asset Ratio (EAR) and Firm Size to the dependent variable Profitability (ROA). The population in this study are all Regional Development Banks in Indonesia registered with the Financial Services Authority for the 2014-2018 period. The sampling method uses purposive sampling. Data were analyzed by panel data regression analysis method using Eview 9. The choice of panel data regression models included the Common Effect Model (CEM) Estimation, Fixed Effect Model (FEM) and Random Effect Model (REM). The model selection uses the Chow Test and the Hausman Test. The results of both tests recommend this study to use Random Effect Model (REM) estimation output for hypothesis testing. The results showed that EAR had a significant positive effect on profitability (ROA), NPL and company size had a significant negative effect on profitability (ROA) while LAR had no significant effect on profitability (ROA). The adjusted R2 value of 25.81% indicates that 25.81% of the dependent variable Profitability can be explained by the independent variables in this study. While the remaining 74.19% is explained by other factors not included in this regression model.
Penelitian ini bertujuan untuk menganalisis pengaruh variabel independen Loan to Asset Ratio (LAR), Non Performing Loan (NPL), Equity to Asset Ratio (EAR) dan Ukuran Perusahaan (Size) terhadap variabel dependen Profitabilitas (ROA). Populasi dalam penelitian ini adalah seluruh Bank Pembangunan Daerah di Indonesia yang terdaftar di Otoritas Jasa Keuangan periode 2014-2018. Metode pengambilan sampel menggunakan purposive sampling. Data dianalisis dengan metode analisis regresi data panel menggunakan Eview 9. Pilihan model regresi data panel meliputi Estimasi Common Effect Model (CEM), Fixed Effect Model (FEM) dan Random Effect Model (REM). Pemilihan model menggunakan Uji Chow dan Uji Hausman. Hasil kedua uji tersebut merekomendasikan penelitian ini menggunakan output estimasi Random Effect Model (REM) untuk pengujian hipotesis. Hasil penelitian menunjukkan bahwa EAR berpengaruh signifikan positif terhadap Profitabilitas (ROA), NPL dan Ukuran Perusahaan berpengaruh signifikan negatif terhadap Profitabilitas (ROA) sedangkan LAR tidak berpengaruh signifikan terhadap Profitabilitas (ROA). Nilai adjusted R 2 sebesar 25.81% menunjukkan bahwa 25.81% variabel dependen Profitabilitas dapat dijelaskan oleh variabel independen dalam penelitian ini. Sedangkan sisanya 74.19% dijelaskan oleh faktor lain yang tidak termasuk dalam model regresi ini. ABSTRACT This study aims to analyze the influence of the independent variables Loan to Asset Ratio (LAR), Non Performing Loans (NPL), Equity to Asset Ratio (EAR) and Firm Size to the dependent variable Profitability (ROA). The population in this study are all Regional Development Banks in Indonesia registered with the Financial Services Authority for the 2014-2018 period. The sampling method uses purposive sampling. Data were analyzed by panel data regression analysis method using Eview 9. The choice of panel data regression models included the Common Effect Model (CEM) Estimation, Fixed Effect Model (FEM) and Random Effect Model (REM). The model selection uses the Chow Test and the Hausman Test. The results of both tests recommend this study to use Random Effect Model (REM) estimation output for hypothesis testing. The results showed that EAR had a significant positive effect on profitability (ROA), NPL and company size had a significant negative effect on profitability (ROA) while LAR had no significant effect on profitability (ROA). The adjusted R2 value of 25.81% indicates that 25.81% of the dependent variable Profitability can be explained by the independent variables in this study. While the remaining 74.19% is explained by other factors not included in this regression model.
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