Pengaruh Faktor Internal dan Eksternal Bank Terhadap Kinerja Keuangan Pada Bank Umum di Indonesia
DOI:
https://doi.org/10.63607/jcmb.v13i4.40Keywords:
suku bunga The Fed, Capital Adequacy Ratio, Non Performing Loan, Corporate Social Responsibility, Loan to Deposit Ratio, ukuran bank, Return on AssetsAbstract
Penelitian ini bertujuan untuk mengetahui pengaruh faktor-faktor internal dan eksternal yang signifikan terhadap kinerja bank komersial di Indonesia. Penelitian ini menggunakan metode purposive sampling untuk mengklasifikasikan perusahaan yang akan dijadikan sampel, dengan total 32 bank yang memenuhi kriteria sebagai sampel penelitian. Metode Pooled EGLS dan Fixed Effect Model digunakan untuk menangkap heterogenitas antarbank. Variabel dependen yang digunakan adalah Return On Assets (ROA). Variabel independen yang digunakan meliputi suku bunga The Fed, Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Corporate Social Responsibility (CSR), Loan to Deposit Ratio (LDR), dan ukuran bank (Bank Size). Penelitian ini juga menganalisis peran ukuran bank dalam memperkuat atau memperlemah hubungan antara variabel independen dan ROA. Hasil analisis menunjukkan bahwa CAR, LDR, dan ukuran bank memiliki pengaruh signifikan terhadap ROA, sedangkan suku bunga The Fed, NPL, dan CSR tidak signifikan. Terdapat pengaruh positif antara suku bunga The Fed dan ROA. CAR, NPL, CSR, LDR, dan ukuran bank memiliki pengaruh negatif terhadap ROA. Interaksi antara suku bunga The Fed * ukuran bank dan CSR * ukuran bank menunjukkan pengaruh positif yang tidak signifikan, sedangkan NPL * ukuran bank menunjukkan pengaruh negatif yang tidak signifikan. Sementara itu, interaksi antara CAR * ukuran bank dan LDR * ukuran bank menunjukkan pengaruh positif yang signifikan.
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