ANALISA DAMPAK CURRENTACCOUNT SAVING ACCOUNT (CASA), LOAN TO DEPOSIT RATIO (LDR), DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS PERBANKAN PADA KELOMPOK BANK BERDASARKAN MODAL INTI (KBMI)

SUBRINI, SUBRINI (2024) ANALISA DAMPAK CURRENTACCOUNT SAVING ACCOUNT (CASA), LOAN TO DEPOSIT RATIO (LDR), DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS PERBANKAN PADA KELOMPOK BANK BERDASARKAN MODAL INTI (KBMI). Masters thesis, Universitas Andalas.

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Abstract

THE IMPACT OF CURRENT ACCOUNT SAVING ACCOUNT (CASA), LOAN TO DEPOSIT RATIO (LDR), AND OPERATIONAL EFFICIENCY (BOPO) ON PROFITABILITY IN BANK GROUPS BASED ON COMMON EQUITY TIER 1 Thesis bySubrini Advisor1 :Dr. Masyhuri Hamidi, S.E., M.Si Advisor2 : Dr. Fajri Adrianto, S.E, M.Bus (Adv) ABSTRACT This research was conduct to investigate the analysis of the relationship between banking financial ratios and profitability using the purposive sampling technique in the form of panel data. The research sample was derived from 47 banking sector listed on the BEI stock exchange from 2013 to 2022, with a total of 470 firm-year observations. The regression method employed was Ordinary Least Squares (OLS) data panel, and it underwent tests for regression model selection, classical assumptions, robustness, and the Generalized Least Squares (GLS) method. The research findings indicate that CASA is a determining factor for banks in general to enhance Return on Assets (ROA), especially in the small bank group (KBMI 1 and 2). BOPO is a hindering factor for banks in general to achieve profitability (ROA and ROE) over the past 10 years. In the periods before and after the economic crisis of Covid-19, the Loan to Deposit Ratio (LDR) is a hindering factor for banks in general in achieving profitability. Interestingly, during the economic crisis, the opposite is occurs, where LDR becomes a determining factor in increasing profitability, especially in the large bank group (KBMI 3 and 4). Keywords:CASA, LDR, BOPO, Profitability, Common Equity Tier 1, Covid-19 ANALISA DAMPAK CURRENTACCOUNT SAVING ACCOUNT (CASA), LOAN TO DEPOSIT RATIO (LDR), DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS PERBANKAN PADA KELOMPOK BANK BERDASARKAN MODAL INTI (KBMI) Testis oleh Subrini Pembimbing 1 : Dr. Masyhuri Hamidi, S.E., M.Si Pembimbing 2 : Dr. Fajri Adrianto, S.E, M.Bus (Adv) ABSTRAK Penelitian ini dilakukan untuk investigasi analisis hubungan rasio keuangan perbankan terhadap profitabilitas menggunakan teknik pengambilan purposive sampling berbentuk data panel. Objek penelitian diambil dari 47 perusahaan perbankan yang terdaftar di bursa saham BEI dari tahun 2013-2022, total observasi penelitian 470 perusahaan-tahun observasi. Metode regresi yang digunakan adalah Regresi OLS (Ordinary Least Square) data panel dan sudah melalui uji pemilihan model regresi, uji asumsi klasik, robust, dan pendekatan metode GLS (Generalized Least Square). Hasil temuan penelitian menunjukkan bahwa CASA merupakan faktor penentu bagi perbankan secara umum untuk meningkatkan ROA, khususnya pada kelompok bank kecil (KBMI 1 dan 2). BOPO adalah faktor penghambat bagi perbankan secara umum dalam mencapai profitabilitas (ROA dan ROE) selama periode 10 tahun terakhir. Pada periode sebelum dan sesudah krisis ekonomi Covid-19, LDR faktor penghambat perbankan secara umum dalam mencapai profitabilitas. Menariknya, pada masa krisis ekonomi berlaku sebaliknya bahwa LDR faktor penentu dalam peningkatan profitabilitas, khususnya pada kelompok bank besar (KBMI 3 dan 4). Kata Kunci : CASA, LDR, BOPO, Profitabilitas, KBMI, Covid-19

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