WIDIAWATI, LIA (2024) PENGARUH KEBIJAKAN MONETER TERHADAP EFISIENSI BANK (Studi Kasus Pada Perbankan Konvensionanl Indonesia di BEI). Master thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
Bank efficiency aims to achieve maximum profit goals in accordance with the availability of existing resources in banking. Before carrying out optimization efforts, banking institutions need to clearly understand the extent of banking activities. As a complement to support from regulators, banking agencies are also required to carry out special evaluations of their business performance. This research aims to determine the effect of monetary policy (BI Rate) on bank efficiency with the control variables credit interest rate, inflation, (Loan to Deposit Ratio) LDR, (Capital Adequacy Ratio) CAR and (Return On Asset) ROA of Conventional Commercial Banks in Indonesia contained in the Financial Services Authority (OJK). This research uses a quantitative approach. The research population includes all Indonesian Conventional Commercial Banks listed on the Indonesia Stock Exchange (BEI) for the 2010-2023 period. The data analysis method used is the Generalized Method of Moment (GMM). Estimation results using the Dynamic Panel show that BiRate has a negative effect on efficiency, Credit Interest Rates have a positive effect on efficiency, Inflation has a negative effect on efficiency, LDR has a positive effect on efficiency, CAR has a negative effect on efficiency and ROA also has a negative effect on efficiency
| Item Type: | Thesis (Master) | |||||||||
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| Additional Information: | Efisiensi Bank bertujuan untuk mencapai tujuan keuntungan yang maksimal sesuai dengan ketersediaan sumber daya yang ada di perbankan. Sebelum menjalankan upaya pengoptimalan, lembaga perbankan perlu memahami dengan jelas sejauh mana aktivitas perbankan berjalan. Sebagai pelengkap dukungan dari regulator, instansi perbankan juga wajib melakukan evaluasi khusus terhadap kinerja bisnisnya. Penelitian ini bertujuan untuk mengetahui pengaruh kebijakan moneter (BI Rate) terhadap efisiensi bank dengan variabel kontrol suku bunga kredit, inflasi, (Loan to Deposit Ratio) LDR, (Capital Adequacy Ratio) CAR dan (Return On Asset) ROA Bank Umum Konvensional di Indonesia yang terdapat pada Otoritas Jasa Keuangan (OJK). Penelitian ini menggunakan pendekatan kuantitatif. Populasi penelitian meliputi seluruh Bank Umum Konvensional Indonesia yang terdaftar di Bursa Efek Indonesia (BEI) periode 2010-2023. Metode analisis data yang digunakan yaitu Generalized Method of Moment (GMM). Hasil estimasi menggunakan Panel Dinamis menunjukkan bahwa BiRate berpengaruh negatif terhadap efisiensi, Suku Bunga Kredit berpengaruh positif terhadap efisiensi, Inflasi berpengaruh negatif terhadap efisiensi, LDR berpengaruh positif terhadap efisiensi, CAR berpengaruh negatif terhadap efisiensi dan ROA juga berpengaruh negatif terhadap efisiensi. | |||||||||
| Uncontrolled Keywords: | Efficiency, BiRate, Credit Interest Rate, Inflation, LDR, CAR and ROA. Efisiensi, BiRate, Suku Bunga Kredit, Inflasi, LDR, CAR dan ROA. | |||||||||
| Subjects: | H Social Sciences > H Social Sciences (General) | |||||||||
| Divisions: | 08-Pascasarjana | |||||||||
| Depositing User: | Mrs Lia Widiawati | |||||||||
| Date Deposited: | 18 Mar 2025 06:42 | |||||||||
| Last Modified: | 18 Mar 2025 06:42 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/47913 |
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