PENENTU PROFITABILITAS PERBANKAN INDONESIA: APLIKASI MODEL REGRESI DATA PANEL
Keywords:
Profitability, banking, Indonesia, panel regressionAbstract
Abstract: The purpose of this study is to estimate the determinant factors of the profitability
on Indonesian banking industry. Factors used are bank's internal factors and external factors.
Internal factors include the variables inherent in the bank, while external factors include
industry-specific variables and macroeconomic variables. The data used is the entire banking
in the period 2004-2011. The analytical method used is panel data regression model with
pooled least squares method, the fixed effect method and random effect method. The results
showed that determinant factors of banking profitability in Indonesian can be explained by
fixed effect model, and variable capital, loans, bank size, market structure, and inflation
affect the profitability of banks in Indonesia, but the growth of per capita income has no
effect.
Keywords: Profitability, banking, Indonesia, panel regression
Abstrak. Tujuan penelitian ini adalah untuk mengestimasi faktor penentu profitabilitas di
industri perbankan di Indonesia. Faktor Faktor yang digunakan adalah faktor internal dan
eksternal Bank. Faktor internal meliputi variabel yang melekat di bank, sedangkan variabel
faktor eksternal meliputi variabel makroekonomi dan spesifik industri. Data tersebut
digunakan untuk seluruh perbankan pada periode 2004-2011. Metode analisis yang
digunakan adalah model regresi data panel dengan metode pooled kuadrat terkecil, metode
efek tetap, dan metode efek random. Hasilnya menunjukkan bahwa faktor penentu
profitabilitas perbankan di Indonesia yang dapat dijelaskan oleh model fixed effect, dan
variabel yang memengaruhi profitabilitas adalah permodalan, pinjaman, ukuran bank,
struktur pasar, dan inflasi, namun pertumbuhan pendapatan per kapita tidak memiliki
pengaruh.
Kata Kunci: Profitabilitas, perbankan, Indonesia, regresi panel
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