Analisis Pengaruh Inflasi, Suku Bunga, Pertumbuhan Ekonomi, dan BOPO terhadap Kinerja Keuangan Bank Himbara Periode 2012-2023

Vallencya, Marcella Guervarra (2024) Analisis Pengaruh Inflasi, Suku Bunga, Pertumbuhan Ekonomi, dan BOPO terhadap Kinerja Keuangan Bank Himbara Periode 2012-2023. Other thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Sektor perbankan memegang peran sangat penting dalam perkembangan dan kestabilan ekonomi di Indonesia. Studi ini bertujuan untuk menganalisis pengaruh inflasi, suku bunga, pertumbuhan ekonomi, dan BOPO terhadap kinerja keuangan Bank Himbara selama periode 2012-2023. Penelitian ini menggunakan metode analisis regresi data panel untuk menilai dampak variabel independen terhadap variabel dependen. Fokus utama penelitian adalah pada parameter Return on Assets (ROA) dan Return on Equity (ROE). Penelitian ini memberikan manfaat teoritis dengan mengembangkan pemahaman tentang keterkaitan faktor ekonomi dan kinerja keuangan perbankan. Secara praktis, bank-bank Himbara dapat merancang kebijakan yang lebih efektif dengan memahami dampak inflasi, suku bunga, dan pertumbuhan ekonomi. Penelitian ini diharapkan memberikan kontribusi signifikan dalam meningkatkan efisiensi dan daya saing sektor perbankan Indonesia, serta memberikan wawasan terkait stabilitas sistem keuangan nasional. Setelah dilakukan proses analisis, Hasil penelitian menunjukkan bahwa inflasi berpengaruh positif signifikan terhadap ROA dan ROE, menunjukkan peningkatan kinerja keuangan bank seiring dengan kenaikan inflasi yang mendorong penyesuaian suku bunga. Suku bunga tidak berpengaruh signifikan terhadap ROA namun berpengaruh signifikan terhadap ROE, karena perubahan suku bunga mempengaruhi biaya pinjaman dan pendapatan bunga, memengaruhi profitabilitas bank dari perspektif pemegang saham. Pertumbuhan ekonomi (GDP) berpengaruh positif tidak signifikan terhadap ROA tetapi negatif terhadap ROE, karena meningkatkan permintaan kredit namun juga menekan margin laba bersih. Terakhir, BOPO memiliki pengaruh negatif signifikan terhadap ROA dan ROE, menunjukkan bahwa efisiensi operasional yang rendah dapat mengurangi kemampuan bank dalam menghasilkan laba dari asetnya. Penelitian ini menyoroti pentingnya manajemen yang efektif terhadap variabel-variabel tersebut dalam meningkatkan kinerja keuangan Bank Himbara.
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The banking sector plays a crucial role in the development and stability of the economy in Indonesia. This study aims to analyze the influence of inflation, interest rates, economic growth, and BOPOon the financial performance of State Owned Bank during the period 2012-2023. The analysis method used is multiple linear regression to assess the impact of independent variables on the dependent variable. The main focus of the research is on the parameters of Return on Assets (ROA) and Return on Equity (ROE). This study provides theoretical benefits by enhancing the understanding of the interplay between economic factors and the financial performance of the banking sector. Practically, State Owned Bank can formulate more effective policies by understanding the effects of inflation, interest rates, and economic growth. The research is expected to make a significant contribution to improving the efficiency and competitiveness of the Indonesian banking sector, as well as providing insights into the stability of the national financial system stability. Following the analytical process, the findings indicate that inflation has a significant positive impact on both ROA and ROE, reflecting improved financial performance as inflation prompts interest rate adjustments. Interest rates do not significantly affect ROA but significantly impact ROE, influencing loan costs and interest income, thereby affecting shareholder profitability. Economic growth (GDP) positively affects ROA not significantly but negatively affects ROE by increasing credit demand while suppressing net profit margins. Finally, BOPO has a significant negative impact on both ROA and ROE, indicating that low operational efficiency reduces the bank's ability to generate profits from its assets. The study underscores the importance of effective management of these variables in enhancing the financial performance of State Owned Bank.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Inflasi, Suku Bunga, Pertumbuhan Ekonomi, BOPO, Kinerja Keuangan, Inflation, Interest Rates, Economic Growth, BOPO, Financial Performance.
Subjects:	H Social Sciences > HC Economic History and Conditions > HC441 Macroeconomics.
Divisions:	Faculty of Business and Management Technology > Development Studies > 60201-(S1) Undergraduate Thesis
Depositing User:	Marcella Guervarra Vallencya
Date Deposited:	06 Aug 2024 02:45
Last Modified:	06 Aug 2024 02:45
URI:	http://repository.its.ac.id/id/eprint/112136

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