Analisis Pengaruh Insurance Deposite, Leverage, Asset Size dan Net Interest Margin Terhadap Bank Stability

Abstract

This study aims to determine the effect that exists between independent variables on the dependent variable through intervening variables. The independent variables are insurance deposite, leverage, asset size and net interest margin while the dependent variable is bank stability which can be measured through asset stability and liability stability. Stability Asset is an intervening variable while stability stability is a dependent variable. This study uses data from the 2007-2017 period that was registered with the Financial Services Authority (OJK). The type of research used is descriptive research with a quantitative approach. The population used in this study is 44 banking companies in Indonesia that go public. Samples were selected using a purposive sampling method as many as 28 Banking Companies in Indonesia which were listed on the Indonesia Stock Exchange (BEI) and published financial statements consistently from 2007-2017. Data collection is done by using secondary data that is accessed directly through the IDX and OJK website which is a 2007-2017 time series data, with the analytical method used is path analysis. The results showed that there was a mediating effect of intervening variables, namely asset size on liability stability for the stability of banks in Indonesia for the period 2007-2017. But there is a difference in influence between insurance deposite 100 million and insurance deposite 2 billion. insurance deposite 100 million has a negative and significant effect on stability liability while insurance deposite 2 billion has a positive and significant effect on the stability liability. This can be seen from the role of deposit insurance institutions that affect the stability of banks in Indonesia, so that customers have a high level of trust in banks after insurance deposite. This can be seen through the value of deposits or loans as well as the independent variables found in the financial statements of banks in Indonesia for the period 2007-2017.

Penelitian ini bertujuan untuk mengetahui pengaruh yang ada antara variable independen terhadap variable dependen melalui variable intervening. Adapun yang menjadi variabel independen adalah insurance deposite, leverage, asset size dan net interest margin sedangkan variabel dependen yaitu bank stability yang dapat diukur melalui asset stability dan liability stability. Asset Stability menjadi variabel intervening sedangkan liability stability menjadi variabel dependen. Penelitian ini menggunakan data periode 2007-2017 yang terdaftar di Otoritas Jasa Keuangan (OJK). Jenis penelitian yang digunakan adalah penelitian deskriptif dengan pendekatan kuantitatif. Populasi yang digunakan dalam penelitian ini adalah Perusahaan Perbankan di Indonesia yang go-public berjumlah 44 bank. Sampel dipilih dengan menggunakan metode purposive sampling sebanyak 28 Perusahaan Perbankan di Indonesia yang terdaftar di Bursa Efek Indonesia (BEI) dan menerbitkan laporan keuangan secara konsisten periode 2007-2017. Pengumpulandata dilakukan dengan menggunakan data sekunder yang diakses langsung melalui website BEI dan OJK yang merupakan data time series 2007-2017, dengan metode analisis yang digunakan adalah analisis jalur (path analysis). Hasil penelitian menunjukkan terdapat ada pengaruh mediasi dari variabel intervening yaitu asset size terhadap liability stability untuk stabilitas perbankan di Indonesia periode 2007-2017. Namun terdapat perbedaan pengaruh antara penjamin simpanan 100 juta dengan penjamin simpanan 2 miliar. Penjamin simpanan 100 juta memiliki pengaruh negatif dan signifikan terhadap liability stability sedangkan penjamin simpanan 2 miliar memiliki pengaruh positif dan signifikan terhadap liability stability. Hal ini dapat dilihat peran dari lembaga penjamin simpanan yang mempengaruhi stabilitas perbankan di Indonesia, sehingga nasabah memiliki tingkat kepercayaan yang tinggi terhdap perbankan setelah adanya jaminan simpanan. Hal ini dapat dilihat melalui nilai simpanan ataupun pinjaman serta variabel independen yang terdapat pada laporan keuangan perbankan di Indonesia periode 2007-2017.