PENGARUH SUKU BUNGA, INFLASI, DAN NILAI TUKAR TERHADAP PROFITABILITAS BANK PEMERINTAH DAN BANK SWASTA DI INDONESIA
DOI:
https://doi.org/10.25170/jrema.v2i2.5146Keywords:
Profitabilitias, Suku Bunga, Inflasi, Nilai Tukar, ROAAbstract
Peranan sistem perbankan memiliki peran sangat penting dalam perekonomian sebuah negara. Dengan memiliki peran penting tersebut, perbankan diharapkan untuk menjaga kinerjanya yang tercemin dalam rasio profitabilitas. Penelitian ini bertujuan untuk mengetahui pengaruh suku bunga, inflasi, dan nilai tukar terhadap profitabilitas perbankan di Indonesia dengan periode penelitian dari 2010-2022. Metode yang akan digunakan pada penelitian ini adalah Data Panel dengan menggunakan aplikasi Eviews 10. Variabel independent pada penelitian ini adalah suku bunga, inflasi, dan nilai tukar, sedangkan variable dependen adalah ROA. Pada penelitian ini didapati bahwa variabel suku bunga berpengaruh signifikan dan negative terhadap bank swasta dan tidak signifikan terhadap profitabilitas bank pemerintah. Variabel inflasi memiliki hasil yang sama pada bank pemerintah dan bank swasta yaitu signifikan dan positif. Sedangkan, Variabel nilai tukar juga memiliki hasil yang sama pada bank pemerintah dan bank swasta yaitu signifikan dan negative.
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