Abstract
The population and data source in this study focuses on the financial sector which is one of the sectors contained in the service industry, namely the banking sub-sector company of the private public Bank of foreign exchange. This research is based on an increase in total assets each year during the year 2014-2018 but the profit generated is volatile. The population of the company's financial report BUMS Devisa listed on the Indonesia Stock Exchange in 2014-2018 with 20 companies. The research methods used are descriptive statistics and analysis of the data regression panel of common effect models. This research aims to analyze how the influence of Value Added Capital Employee (VACA), Value Added Human Capital (VAHU), Structural Capital Value Added (STVA) and Loan to Deposit Ratio (LDR) against Return on Assets (ROA) both simultaneously or partially. The results of the study showed that the variables of VACA, VAHU, STVA, and LDR simultaneously significantly affect ROA with a probability value of 0.00000. Partials of VACA, VAHU and LDR variables have no effect on ROA. STVA has a positive effect on ROA.
Highlights
The service industry is a type of industry that produces end products in the form of services or services that can be utilized to support other industrial activities or directly utilized by consumers, divided into two categories, namely finance and non Financial
The results showed that Loan to Deposit Ratio (LDR) does not have any effect on Return on Assets (ROA) is not in accordance with the hypotheses that have been presented because the LDR owned by the public private Bank of foreign exchange above 86% on average stipulated in accordance with the provisions of Bank Indonesia means that the better LDR can not affect ROA on the public Bank of private foreign exchange
The purpose of this research is to know the influence of independent variables consisting of a value-added capital employee, Value-added human capital, structural capital value-added and loan to deposit ratio of dependent variables i.e. return on assets on Private bank sector companies listed on the Indonesia Stock Exchange period 2014-2018
Summary
The service industry is a type of industry that produces end products in the form of services or services that can be utilized to support other industrial activities or directly utilized by consumers, divided into two categories, namely finance and non Financial. The financial services industry is an industry consisting of various formal and informal organizations that provide financial services. It generally focuses on two markets, namely the capital market and the money market. Examples of the financial services industry are banks, insurance companies, pension funds, mutual funds, financing institutions, etc (www.ojk.co.id). Gathering funds from the public bank through deposits or savings and channeling funds made through credit or lending to the public. The Bank is mentioned as a business entity that raises funds from the community in the form of deposits and channel it to the community in the form of credit and or other forms to improve the living standards of the community (Law Number 10 Year 1998 about banking)
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