Analisis Pengaruh Faktor Mikroekonomi dan Indikator Makroekonomi Terhadap Profitabilitas Perbankan Yang Listed di Bursa Efek Indonesia Periode Tahun 2010-2014

Abstract

Economic activities in a country cannot be separated from banking activities. Banking has afunction as a financial intermediation institution where banks become a liaison between units thatexperience excess funds (surplus units) and parties that are underfunded (minus units).Profitability is the most important element in assessing banking prospects.This study aims to review and provide information about factors that affect the profitabilityof banks that have been listed on the Indonesia Stock Exchange. The factors that influenceprofitability in this study are categorized into microeconomic factors that include financialperformance and macroeconomic indicators that include macroeconomic reviews.Research objects include banks that have been listed on the Indonesia Stock Exchange inthe period 2010 to 2014. During the research period there were 30 banks that had been listed onthe Indonesia Stock Exchange. This study examined and analyzed how the influence ofmicroeconomic varibael described with financial performance including NPL, LDR, CAR, andBOPO as well as the influence of macroeconomic indicators consisting of Economic Growth(GDP), Inflation, Interest Rates, and Exchange Rates on the profitability of banks that have beenlisted on the Indonesia Stock Exchange. The data was obtained based on bank publication reportson the website of the relevant bank and macro data obtained from the websites of Bank Indonesia(BI), the Financial Services Authority (OJK), and the Central Statistics Agency (BPS).The results showed that partially, all microeconomic variables (NPL, LDR, CAR, BOPO)affect bank profitability, while macroeconomic indicator variables (GDP, Inflation, Interest Rate,and Exchange Rate) have no effect on bank profitability.Keywords: ROA, NPL, LDR, CAR, BOPO, GDP, Inflation, Interest Rate, and Exchange Rate