KARTIKA PAKPAHAN, 1111021069 (2015) ANALISIS FAKTOR – FAKTOR YANG MEMPENGARUHI PROSIKLIKALITAS SEKTOR PERBANKAN DI INDONESIA (PERIODE 2009 : Q1 – 2013 : Q4). Fakultas Ekonomi dan Bisnis, Universitas Lampung.
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Abstract
Penelitian ini bertujuan untuk mengetahui dan menganalisis faktor-faktor yang mempengaruhi prosiklikalitas sektor perbankan di Indonesia. Beberapa variabel bebas yang digunakan adalah Loan to Asset Ratio (LTA), Beban Operasional dan Pendapatan Operasional (BOPO) dan Concentration Ratio (CR4). Dalam penelitian ini data yang digunakan adalah data panel dengan periode penelitian Maret 2009 sampai Desember 2013 dan 4 perusahaan perbankan yang tergolong memiliki aset terbesar di Indonesia sebagai cross section. Penelitian ini menggunakan metode analisis model data panel. Hasil penelitian menunjukkan bahwa model yang tepat untuk menjelaskan pengaruh Loan to Asset Ratio (LTA), Beban Operasional dan Pendapatan Operasional (BOPO) dan Concentration Ratio (CR4) terhadap prosiklikalitas adalah Fixed Effect Model. Fixed Effect Model menjelaskan bahwa secara parsial variabel LTA, CR4, berpengaruh negatif terhadap prosiklikalitas. Kata Kunci: Prosiklikalitas, suku bunga kredit perbankan, Loan to Asset Ratio (LTA), Beban Operasional dan Pendapatan Operasional (BOPO), Concentration Ratio (CR4), analisis regresi linier berganda model data panel, Fixed Effect Model. Abstract This study aims to identify and analyze the factors that affect prosiclicality of the banking sector in Indonesia. The used variables independent are Loan to Asset Ratio (LTA), Operating Expenses and Operating Income (BOPO) and the Concentration Ratio (CR4). In this study, the data used is panel data with research period March 2009 to December 2013 and 4 banking companies classified as having the largest assets in Indonesia as a cross section. This study using the tool of analysis is the method of multiple linear regression analysis of panel data models. The results showed that the right model to explain the effect of the Loan to Asset Ratio (LTA), Operating Expenses and Operating Income (BOPO) and the Concentration Ratio (CR4) to procyclicality is Fixed Effect Model. Fixed Effect Model explains that in partial LTA and BOPO negative effect on procyclicality. Keywords: Procyclicality, bank lending rates, the Loan to Asset Ratio (LTA), Operating Expenses and Operating Income (BOPO), Concentration Ratio (CR4), multiple linear regression analysis of panel data models, Fixed Effect Model.
| Item Type: | Other |
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| Subjects: | H Ilmu Sosial = Social Sciences > HC Economic History and Conditions H Ilmu Sosial = Social Sciences > HJ Public Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Prodi Ekonomi Pembangunan |
| Depositing User: | 3241440 . Digilib |
| Date Deposited: | 30 Oct 2015 03:18 |
| Last Modified: | 30 Oct 2015 03:18 |
| URI: | http://digilib.unila.ac.id/id/eprint/14269 |
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