PENGARUH NON PERFORMING LOAN, NET INTEREST MARGIN, BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL DAN DIVERSIFIKASI PENDAPATAN TERHADAP PROFITABILITAS PADA BANK ASING

Xingshuang, Liang, Eddy Junarsin, Ph.D.

2016 | Tesis | S2 Manajemen

Penelitian ini berdasarkan inkonsistensi penelitian sebelumnya tentang pengaruh variabel independen terhadap variabel dependen. Penelitian ini dilakukan untuk menguji pengaruh variabel Non Performing Loan (NPL), Net Interest Margin (NIM), Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Diversifikasi Pendapatan terhadap profitabilitas pada bank asing dengan sampel sejumlah 26 dan total 130 observasi selama periode 2011-2015. Penelitian ini menggunakan metode regresi data panel dengan variabel dependen yaitu Return on Asset (ROA) dan variabel independen yaitu NPL, NIM, BOPO dan diversifikasi pendapatan. Penelitian ini juga memasukkan beberapa variabel lain sebagai variabel kontrol terhadap profitabilitas bank asing diantara size dan growth. Hasil yang diperoleh menunjukkan bahwa NPL tidak berpengaruh signifikan terhadap ROA, sementara itu pada variabel NIM, BOPO dan diversifikasi pendapatan memiliki pengaruh signifikan terhadap ROA.

This study is based on the inconsistency of previous studies about the influence of the independent variables on the dependent variable. This study was conducted to examine the influence of Non Performing Loan (NPL), Net Interest Margin (NIM), Efficiency Ratio (BOPO) and income diversification toward profitability of foreign bank with 26 samples and 130 observations for the period 2011-2015. This study uses panel data regression with the dependent variable is Return on Asset (ROA) and independent variables are NPL, NIM, BOPO and income diversification. This study also includes several other variables as control variables to the profitability of foreign bank such as size and growth. The results of this study indicate that NPL was not significant, while NIM, BOPO and income diversification has a significant influence on ROA.

Kata Kunci : profitability of foreign bank, NPL, NIM, BOPO and income diversification, profitabilitas bank asing, NPL, NIM, BOPO dan diversifikasi pendapatan