Faktor-Faktor Yang Mempengaruhi Financial Sustainability Ratio Pada Bank Umum Swasta Nasional Devisa Di Indonesia

Irianto, Roby (2021) Faktor-Faktor Yang Mempengaruhi Financial Sustainability Ratio Pada Bank Umum Swasta Nasional Devisa Di Indonesia. Other thesis, Universitas Islam Riau.

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Abstract

Banking performance can be seen in the ability of banks to maintain financial stability. As one of the pillars of the economy, banking companies must always be able to improve their performance both financially and operationally. This Study aims to determine the effect Return on Asset (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Operating Costs to Operating Income (BOPO), and Loan to Deposit Ratio (LDR) that influence Financial Sustainability Ratio (FSR) On General National Foreign Exchange Private Banks in Indonesia. This research perode is 2015-2019. The study population includes all National Private Commercial Banks and Foreign Exchange during the observation period 2015-2019. The sample selection technique used purposive sampling method and the research data were obtained from 11 banks. The data analysis method used is panel data regression analysis using Eviews 9. The results of this study indicate: Return on Equity (ROE) has a negative and significant effect on Financial Sustainability Ratio (FSR), Return on Assets (ROA), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) has a positive and significant effect on Financial Sustainability Ratio (FSR). Operational Costs on Operating Income (BOPO) have no effect on the Financial Sustainability Ratio (FSR). The R Square value is 0.497050, indicating that the Financial Sustainability Ratio (FSR) is influenced by Return on Equity (ROE), Net Interest Margin (NIM), Operational Costs to Operating Income (BOPO), Loan to Deposit Ratio (LDR) of 49.71%.

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