Abstract
The purpose of this research is to use a linier regression model and analyze the effect of macroeconomic and bank spesific factors to profitability of banks in Indonesia considering the implementation of internet banking. Spesifically we analyze the performance different between banks with internet banking and non internet banking. We use data of 30 banks in Indonesia periode of 2008 until 2010.The result shows that macroeconomic and some of bank spesific factors also internet banking has a significant influence to banks profitability. The research also showed bank with internet banking has a better performance than non internet banking, mostly because the overall condition of the banks and that internet banking has been a complementary factor in bank service to their customer.Keywords: Internet banking, data panel, bank spesific, macroeconomic
Highlights
The result shows that macroeconomic and some of bank spesific factors internet banking has a significant influence to banks profitability
bank spesific factors to profitability of banks in Indonesia considering the implementation of internet banking
some of bank spesific factors also internet banking has a significant influence to banks profitability
Summary
The result shows that macroeconomic and some of bank spesific factors internet banking has a significant influence to banks profitability. Berdasarkan model penelitian diatas, hipotesis yang akan diuji adalah H1: Faktor makroekonomik dan spesifik bank berpengaruh secara individu terhadap profitabilitas bank H2: Faktor makroekonomik dan spesifik bank berpengaruh secara bersama terhadap profitabilitas bank H3: Kinerja keuangan bank yang menerapkan internet banking berbeda dengan bank yang tidak menerapkan internet banking, dalam hal profitabilitas, capital, credit risk, expense management, dan size. B. Uji F untuk mengetahui apakah ada pengaruh variabel independen secara bersama, jika Probabilita F < maka hipotesis null ditolak sehingga variabel independen secara bersama memiliki pengaruh yang signifikan terhadap variabel dependen.
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