Analisis determinan profitabilitas bank umum di Indonesia periode tahun 2002 - 2007

Deskripsi

The major goal of this research is examining the key factors that affecting bank profitability in Indonesia from 2002 to 2007. The Bank Profitability is measured with Return On Assets and Net Interest Margin. This research is using Panel Data Model with data processing used is Generalized Least Square. The Result of this research shows that internal factors (bank specifics) such as Non Performing Loan had a negative significant relationship and also Capital Variabel has a positive significant relationship with Bank Profitability in Indonesia. Furthemore, external factors (macroeconomic factors) such as Gross Domestic Product had a negative significant relationship and also implementation of Arsitektur Perbankan Indonesia had a positive significant relationship with Bank Profitability in Indonesia. According to the research, those factors both internal and external had a dominant influence in the bank profitability in Indonesia.Ada tabel