Pramita, Salsya Adilla (2022) Analisis Disiplin Pasar Berdasarkan Pengaruh Kesehatan Bank Terhadap Perubahan Jumlah Simpanan (Sektor Perbankan Yang Terdaftar di BEI 2014-2020). Other thesis, Institut Teknologi Sepuluh Nopember.
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Abstract
Disiplin pasar merupakan suatu respon yang diberikan oleh pelaku pasar terhadap tingkat kesehatan bank. Adanya pengaruh tingkat kesehatan bank terhadap perubahan jumlah simpanan menjadi salah satu contoh terjadinya disiplin pasar. Adanya disiplin pasar dapat membantu mengontrol pengambilan risiko bank, yang pada akhirnya berdampak pada tingkat kesehatan bank. Penilaian tingkat kesehatan bank dapat dilakukan dengan menggunakan Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), dan Return On Asset (ROA). Terdapat indikasi terjadinya disiplin pasar pada perbankan di Indonesia yang ditunjukkan melalui pengaruh tingkat kesehatan bank terhadap perubahan jumlah simpanan. Namun, perubahan jumlah simpanan belum sepenuhnya direspon baik oleh masyarakat. Tujuan dari penelitian ini untuk mengetahui pengaruh dari tingkat kesehatan bank terhadap perubahan jumlah simpanan sebagai bentuk dari pelaksanaan disiplin pasar. Pada penelitian ini menggunakan objek sektor perbankan yang terdaftar di Bursa Efek Indonesia tahun 2014-2020, dan terdapat 265 sampel penelitian. Dalam penelitian ini, peneliti menggunakan metode regresi data panel. Dengan menggunakan pengukuran tingkat kesehatan bank melalui Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), dan Return On Asset (ROA) hasilnya menunjukkan bahwa hanya Non Performing Loan (NPL) yang berpengaruh terhadap perubahan jumlah simpanan.Selain itu, dengan memperhatikan jenis kepemilikan bank, hasil menunjukkan bahwa jenis kepemilikan bank tidak berpengaruh terhadap jumlah simpanan masyarakat.
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Market discipline is a response given by market participants to the soundness of banks. The influence of the soundness of the bank on changes in the number of deposits is one example of the occurrence of market discipline. The existence of market discipline can help control bank risk taking, which in turn has an impact on the soundness of the bank. Assessment of the health of a bank can be done using the Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Return On Asset (ROA). There are indications of market discipline in banking in Indonesia which is indicated by the effect of the soundness of the bank on changes in the number of deposits. However, changes in the number of deposits have not been fully responded to by the public. The purpose of this study was to determine the effect of the soundness of the bank on changes in the number of deposits as a form of implementing market discipline. In this study, the object of the banking sector was listed on the Indonesia Stock Exchange in 2014-2020, and there were 265 research samples. In this study, the researcher used the panel data regression method. By using the measurement of bank soundness through Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Return On Asset (ROA) the results show that only Non Performing Loan (NPL) has an effect on changes in total deposit. In addition, by taking into account the type of bank ownership, the results show that the type of bank ownership has no effect on the amount of public deposits.
| Item Type: | Thesis (Other) |
|---|---|
| Additional Information: | RSMB 332.6 Pra a-1 2022 |
| Uncontrolled Keywords: | Disiplin Pasar, Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), dan Return On Asset (ROA) |
| Subjects: | H Social Sciences > HG Finance > HG4529 Investment analysis |
| Divisions: | Faculty of Creative Design and Digital Business (CREABIZ) > Business Management > 61205-(S1) Undergraduate Thesis |
| Depositing User: | - Davi Wah |
| Date Deposited: | 11 Dec 2023 02:27 |
| Last Modified: | 11 Dec 2023 02:27 |
| URI: | http://repository.its.ac.id/id/eprint/105254 |
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