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Pengaruh Capital Requirement Terhadap Cost Of Intermediation Dan Bank Profitability Pada Sektor Perbankan Yang Terdaftar Di Bursa Efek Indonesia


Oleh : Salim Budiman

Info Katalog

File Jurnal : 00000000000000003540.pdf

Nomor Panggil : 2019_TA_MJ_022151207

Penerbit : FEB - Usakti

Kota Terbit : Jakarta

Tahun Terbit : 2019

Pembimbing 1 : Wulan Sari

Subyek : Capital requirement - Bank profitability;Financial management - Banking sector

Kata Kunci : bank profitability, bank size, capital requirement, cost of intermediation, financial intermediation


File Repositori
No. Nama File Ukuran (KB) Status
1. 2019_TA_MJ_022151207_Halaman-Judul.pdf 1221.25
2. 2019_TA_MJ_022151207_Bab-1.pdf 640.54
3. 2019_TA_MJ_022151207_Bab-2.pdf 1025.16
4. 2019_TA_MJ_022151207_Bab-3.pdf 1289.4
5. 2019_TA_MJ_022151207_Bab-4.pdf 1339.28
6. 2019_TA_MJ_022151207_Bab-5.pdf 505.18
7. 2019_TA_MJ_022151207_Daftar-Pustaka.pdf 814.68
8. 2019_TA_MJ_022151207_Lampiran.pdf 4125.98

P Penelitian ini bertujuan untuk meguji pengaruh capital requirement terhadap cost of intermediation dan bank profitability. Sampel yang digunakan dalam penelitian ini adalah perusahaan sub sektor bank yang terdaftar di Bursa Efek Indonesia (BEI) periode 2012-2017, yaitu sebanyak 28 bank dengan menggunakan purposive sampling. Variabel independen dalam penelitian ini adalah capital requirement serta variabel kontrol management efficiency, income diversification, financial intermediation, bank size, leverage, implicit cost, inflation dan GDP growth, dengan variabel dependen cost of intermediation dan bank profitability. Hasil penelitian menunjukkan bahwa variabel independen capital requirement yang diproksikan dengan capital adequacy ratio (CAR) memiliki pengaruh positif terhadap cost of intermediation dan bank profitability, sedangkan capital requirement yang diproksikan dengan shoreholder equity to total assets (OETTA) tidak memiliki pengaruh terhadap cost of intermediation dan bank profitability. Hasil penelitian ini memberikan implikasi kepada institusi perbankan untuk meningkatkan net interest margin dengan cara memiliki CAR yang lebih tinggi. Sedangkan untuk meningkatkan profitabilitas dengan cara meningkatkan income diversification, total aset yang besar serta memiliki leverage dan implicit cost yang kecil. Penelitian ini juga diharapkan menjadi sumber referensi dan informasi bagi para investor untuk menentukan perbankan mana yang harus dipilih saat melakukan investasi.

T This research aims to determined the impact of capital requirement on cost of intermediation and bank profitability. The object that used in this research is from bank that listed on the Indonesia Stock Exchange (IDX) in the period 2012-2017. Independent variable in this research is capital requirement, with control variable management efficiency, income diversification, financial intermediation, bank size, leverage, implicit cost, inflation dan GDP growth, with variabel dependen cost of intermediation and bank profitability. The sample that used on this research are 28 bank, by using purposive sampling. The result of this research indicate independent variable capital requirement have impact on cost of intermediation and bank profitability. The results showed that the independent capital requirement variables proxied by the capital adequacy ratio (CAR) had a positive impact on the cost of intermediation and bank profitability, while the capital requirements proxied by shareholders equity to total assets (OETTA) had no impact on the cost of intermediation and bank profitability. The results of this study have implications for banking institutions to increase net interest margins by having a higher CAR. Whereas to increase profitability by increasing income diversification, have large total assets and having a small leverage and implicit cost. This research is also expected to be a reference source and information for investors to determine which banks should be selected for investing.

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