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Journal : ARMADA : Jurnal Penelitian Multidisiplin

Analysis of Determinants That Influence the Profitability of Conventional Banks in Indonesia Astari, Anindya; Rejekiningsih, Tri Wahyu
ARMADA : Jurnal Penelitian Multidisiplin Vol. 2 No. 3 (2024): ARMADA : Jurnal Penelitian Multidisplin, Maret 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/armada.v2i3.1269

Abstract

This research aims to examine the factors that influence the level of profitability in conventional banking in Indonesia in 2010-2019. This research uses Return on Assets (ROA) as a ratio to describe the level of profitability of commercial banks in Indonesia. The object of this research is conventional banking in Indonesia, with a research sample of 6 groups of conventional banks, namely Persero Banks, Foreign Exchange Private Banks, Non-Foreign Exchange Private Banks, Regional Development Banks (BPD), Joint Venture, and Foreign Banks. The analytical method used in this research is panel data regression analysis with Random Effect Model (REM). The research shows that the spread interest rate, Bank Indonesia Certificate (SBI), and third party funds (DPK) have a positive and significant effect on Return on Assets (ROA). Meanwhile, the interbank liability variable has a negative and significant effect on Return on Assets (ROA). Simultaneously, spread interest rate, SBI, third party funds, and interbank liabilities influence ROA.
Impact Of Efficiency Of Intermediation Functions From Financial Institutions On Consumer Surplus On The Balance Of The Fund Market In Indonesia Rejekiningsih, Tri Wahyu; Hastarini Dwi Atmanti
ARMADA : Jurnal Penelitian Multidisiplin Vol. 2 No. 9 (2024): ARMADA : Jurnal Penelitian Multidisplin, September 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/armada.v2i9.1447

Abstract

The greater the amount of savings than the loan amount in banking shows that problems on non-performing loan (NPL). The objectives of this study was: to analyze the efficiency of the intermediation function of financial institutions (banking), and the impact of efficiency of financial institution intermediation function to consumer surplus in the fund market. Partial Adjustment Model (PAM) were used to analyze efficiency and consumer surplus using panel data 2000 – 2016. The result showed that the efficiency of the financial institution intermediary function influenced the size of the consumer surplus in the fund market. Therefore, that consumer surplus in the fund market was influenced by the performance of financial institutions. This consumer surplus is of the lack of fund group (deficit unit) due to equilibrium change in fund market. To anticipate future funding needs, it is necessary to conduct a study of the consumer surplus of funds based on the type of use of financial lending in financial institutions in the economy.