Analisis Faktor-Faktor yang Mempengaruhi Return On Assets dan Interest Income Size pada Perusahaan Perbankan Terbuka di Indonesia

Abstract

A bank is a business in which its main activity is to assemble funds from the people and at same time to channel them to the people in order to obtain profit. Therefore, it is important for a bank to take good care of the people 's trust since its business is to rely on it. The aim of the research was to analyze the influence of the variables of bank size, asset utilization ratio, operational efficiency and LDR (loan to deposit ratio) on ROA (return on asset) and 11S (interest income size) at the open Banking businesses listed in the Indonesia Stock Exchange. Its aim was also to examine simultaneously the influence of bank size and asset management which is proxied with asset utilization ratio, operational efficiency and LDR on ROA and 11S in the banking businesses listed in the Indonesia Stock Exchange. The samples comprised of I 7 banking businesses listed in the Indonesia Stock Exchange from 2006 until 2010; they were selected based on the population target. The data were analyzed by using multiple linear regression analysis with the significance value of 5%. Simultaneously, the first hypothesis showed that the variables of bank size, asset management, operational efficiency and LDR influenced ROA. Simultaneously, the second hypothesis showed that the variables of bank size, asset management, operational efficiency and LDR influenced !IS in the open banking businesses in Indonesia. The result of the first hypothesis showed that the variables of asset management and operational efficiency had significant influence on ROA, the variable of bank size had significant influence on ROA, while LDR did not have any influence on ROA of the open banking businesses. The result of the second hypothesis showed that bank size, asset management, and LDR had significant influence on IIS, the variable of operational efficiency did not have any influence on !IS. It is recommended that that the management of the open banking businesses should pay attention to anything which is related to the ratios of asset management and operational efficiency because they influence the ROA of the bank. It is also recommended that the management should pay attention to the ratios of bank size, asset management, and LDR because they influence the interest income size.