Analisis Faktor-faktor Yang Mempengaruhi Kinerja Keuangan Di Perbankan Indonesia
Abstract
Penelitian ini bertujuan untuk menguji pengaruh Capital adequacy ratio (CAR), Non performing loan/financing (NPL/NPF), Efisiensi Operasi (BOPO), dan Loan/financing to deposit ratio (LDR/FDR) terhadap Return on asset (ROA) sebagai proksi dari kinerja keuangan bank umum konvensional dan syariah yang tercatat di Direktorat Perbankan Indonesia. Data yang digunakan dalam penelitian ini diperoleh dari Statistik Perbankan Indonesia yang diterbitkan oleh Bank Indonesia dan Otoritas Jasa Keuangan. Data yang diambil adalah data bulanan yang disusun secara dokumentasi dari tahun 2011-2015 dari bank umum konvensional dan bank umum syariah.
Hasil penelitian menunjukkan bahwa pada bank umum konvensional variabel CAR, NPL, dan LDR berpengaruh negatif dan signifikan terhadap ROA dan BOPO berpengaruh positif tetapi tidak signifikan terhadap ROA. Sementara pada bank umum syariah, variable NPF dan BOPO berpengaruh negative dan signifikan terhadap ROA sedangkan CAR dan LDR berpengaruh positif tetapi tidak signifikan terhadap ROA. Pada bank umum konvensional mengelola asset dan modal secara efisien akan meningkatkan kinerja keuangan. Pada bank umum syariah, menekan laju pembiayaan tidak lancar dan biaya operasional akan meningkatkan kinerja keuangan. Kinerja keuangan yang baik akan menciptakan perbankan yang sehat dan stabil dalam keuangan.
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