Pengaruh Faktor Internal Dan Eksternal Terhadap Kinerja Perbankan Pada Bank Umum Yang Terdaftar Di Bursa Efek Indonesia

Walad Wirawan, Jufrizen Jufrizen, Muis Fauzi Rambe

Abstract


The rapidly growing of infrastructure development in Indonesia is one
of the financial institutions financing target, especially banking
institutions. Banking industry has high level of competition, and needs
to perform extremely well in order to be the leader of their
business.This research aims to know the effect of internal factors and
external factors on banks performance at commercial banks category 4
(BUKU 4) that listed in Indonesian Stock Exchange.This research uses
asosiative method with purposive sampling in order to collect the
secondary datas. Those datas are analyzed using multiple linier
regression analysis by SPSS 24. The result of this research shows that
Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and
inflation rate have significant impact, meanwhile Loan to Deposit Ratio
(LDR),Gross Domestic Product (GDP) growth rate, and BI Rate have
non-significant impact on Return on Asset (ROA), which can descibes
better on this regression model: ROA = -5,055 + 0,308CAR +
0,022LDR - 1,516NPL + 0,187IHK 0,052PDB + 0,061BIR.Therefore,
banks need to pay more attention at CAR, LDR, NPL, inflation rate,
GDP growth rate, and BI Rate in running their business in order to
archieve better profitability.


Keywords


ROA, CAR, LDR, NPL, Inflation, GDP and BI Rate

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DOI: https://doi.org/10.30596/ekonomikawan.v18i1.2150