ANALISIS PENGARUH CAR, LOAN, GDP DAN INFLASI TERHADAP PROFITABILITAS BANK DI INDONESIA
DOI:
https://doi.org/10.25170/jara.v10i2.42Keywords:
profitability, CAR, LOAN, GDP, inflation, banksAbstract
This research aim to re-examine the relationship between bank profitability and its influence factors in banking system in Indonesia. We used ten banks who had biggest assets as a population and samples for this research: BRI, Mandiri Bank, BCA, BNI, CIMB Niaga, BTN, Panin Bank, Permata Bank, Maybank, and Danamon Bank with the interval observation 2012 to 2015. As a dependent variable is ROA as a profitability proxy, the independent variables are CAR (capital adequacy ratio), LOAN, GDP (gross domestic product) and inflation. The regression result shows CAR, LOAN, GDP have an important contribution and significant to profitability (ROA) in bank in Indonesia, whereas the inflation variable has unsignificant influence and negative to profitability (ROA).
References
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Lin, Y. (2007). Determinants of banks profitability and its implication on risk management practices: panel evidence from the UK in the Period 1999–2006 (Doctoral dissertation, University of Nottingham).
Ogunbiyi, S., S., Ihejirika,& Peters, O. (2014). Interest rate and deposit money banks’ profitability nexus: The Nigerian experience. Arabian Journal of Business and Management Review, 3(4), 133-148.
Pasaribu, H., & Sari, R. L. (2011). Analisis tingkat kecukupan modal dan loanto deposit ratio terhadap profitabilitas. Jurnal Telaah dan Riset Akuntansi, 4(2), 114-125.
Prasanjaya, A. A., & Ramantha, I. W. (2013). Analisis pengaruh rasio CAR, BOPO, LDR, dan ukuran perusahaan terhadap profitabilitas bank yang terdaftar di BEI. Jurnal Akuntansi Universitas Udayana, 4(1), 230-245.
Ramadan, I. Z., Kilani, Q. A., & Kaddumi, T. A. (2011). Determinants of bank profitability: Evidance from Jordan. Int J Acad Res, 3(4), 180–191.
Riaz, S. (2013). Profitability determinants of commercial banks in Pakistan. In Proceedings of 6th International Business and Social Sciences Research Conference (pp. 1-14).
Setiawan, A. (2009). Analisis pengaruh faktor makro ekonomi, pangsa pasar, dan karakteristik bank terhadap profitabilitas Bank Syariah (Master's thesis, Universitas Dipenogoro Semarang).
Sorongan, F. A. (2016). Factors affecting the return stock company in Indonesia Stock Exchange (IDX) LQ45 in years 2012-2015. The Winners, 17(1), 37-45.
Vejzagic, M., & Zarafat, H. (2014). An analysis of macroeconomic determinants of commercial banks profitability in Malaysia for the period 1995-2011. Asian Economic and Financial Review, 4(1), 41-57.
Wibowo, E. S. (2013). Analisis pengaruh suku bunga, inflasi, CAR, BOPO, NPF terhadap profitabilitas Bank Syariah. Diponegoro Journal of Management, 2(2), 1-10.
Widowati & Suryono. (2015). Pengaruh rasio keuangan terhadap profitabilitas perbankan di Indonesia. Jurnal ilmu & Riset Akuntansi, 4(6).
Dietrich, A., & Wanzenried, G. (2010). Determinants of bank profitability before and during the crisis: evidence from Switzerland. Retrieved from https://ssrn.com/abstract=1370245
Gitman, L. J., & Zutter, C. F. (2015). Principles of managerial finance (14th ed.). Pearson.
Gul, S., Irshad, F., & Zaman, K. (2011). Factors affecting bank profitability in Pakistan. Romanian Economic Journal, 39, 61–87.
Hasan, N. A., Shaari, N. A., Palanimally, Y. R., & Mohamed, R. K. (2013). The impact of macroeconomic and bank specific components on the return of equity, interdisciplinary. Journal of Contemporary Research in Business, 5(2), 106-126.
Javaid, S., Anwar, J., Zaman, K., & Gafoor, A. (2011). Determinants of bank profitability in Pakistan: Internal factor analysis,. Mediterranean Journal of Social Sciences, 2(1), 59-78.
Kuncoro, M., & Suharjono. (2011). Manajemen perbankan teori dan aplikasi (2nd ed.). BPFE-Yogyakarta.
Kurnia, I., & Mawardi, W. (2012). Analisis pengaruh BOPO, EAR, LAR, dan firm size terhadap kinerja keuangan. Diponegoro Journal of Management, 1(2), 49-57.
Lin, Y. (2007). Determinants of banks profitability and its implication on risk management practices: panel evidence from the UK in the Period 1999–2006 (Doctoral dissertation, University of Nottingham).
Ogunbiyi, S., S., Ihejirika,& Peters, O. (2014). Interest rate and deposit money banks’ profitability nexus: The Nigerian experience. Arabian Journal of Business and Management Review, 3(4), 133-148.
Pasaribu, H., & Sari, R. L. (2011). Analisis tingkat kecukupan modal dan loanto deposit ratio terhadap profitabilitas. Jurnal Telaah dan Riset Akuntansi, 4(2), 114-125.
Prasanjaya, A. A., & Ramantha, I. W. (2013). Analisis pengaruh rasio CAR, BOPO, LDR, dan ukuran perusahaan terhadap profitabilitas bank yang terdaftar di BEI. Jurnal Akuntansi Universitas Udayana, 4(1), 230-245.
Ramadan, I. Z., Kilani, Q. A., & Kaddumi, T. A. (2011). Determinants of bank profitability: Evidance from Jordan. Int J Acad Res, 3(4), 180–191.
Riaz, S. (2013). Profitability determinants of commercial banks in Pakistan. In Proceedings of 6th International Business and Social Sciences Research Conference (pp. 1-14).
Setiawan, A. (2009). Analisis pengaruh faktor makro ekonomi, pangsa pasar, dan karakteristik bank terhadap profitabilitas Bank Syariah (Master's thesis, Universitas Dipenogoro Semarang).
Sorongan, F. A. (2016). Factors affecting the return stock company in Indonesia Stock Exchange (IDX) LQ45 in years 2012-2015. The Winners, 17(1), 37-45.
Vejzagic, M., & Zarafat, H. (2014). An analysis of macroeconomic determinants of commercial banks profitability in Malaysia for the period 1995-2011. Asian Economic and Financial Review, 4(1), 41-57.
Wibowo, E. S. (2013). Analisis pengaruh suku bunga, inflasi, CAR, BOPO, NPF terhadap profitabilitas Bank Syariah. Diponegoro Journal of Management, 2(2), 1-10.
Widowati & Suryono. (2015). Pengaruh rasio keuangan terhadap profitabilitas perbankan di Indonesia. Jurnal ilmu & Riset Akuntansi, 4(6).
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Published
2017-04-01
How to Cite
Sorongan, F. A. (2017). ANALISIS PENGARUH CAR, LOAN, GDP DAN INFLASI TERHADAP PROFITABILITAS BANK DI INDONESIA. Jurnal Akuntansi, 10(2), 116–126. https://doi.org/10.25170/jara.v10i2.42
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