Abstract
The purpose of this study was to obtain the empirical evidence about the effect of credit risk, liquidity, operational efficiency and the macro-economic level to the the performance of regional development banks. This study population was eight Regional Development Banks in Sumatera Island during 2011-2014. Analysis technique used is multiple linear regression. The results showed simultaneously, all the independent variables affected the dependent variable. Partially, only credit risk and efficiency negatively affected the performance of the bank. Liquidity and macro-economic level did not have positive influence on the bank's performance. Keywords: the performance of banks, credit risk, liquidity, operational efficiency and macro-economic level
Highlights
PENDAHULUAN Pelaksanaan program pembangunan Indonesia diadakan untuk meningkatkan kualitas hidup masyarakat, tujuan tersebut diwujudkan melalui peningkatan pendapatan dengan berbagai kegiatan yang produktif untuk menciptakan perekonomian yang stabil
The purpose of this study was to obtain the empirical evidence about the effect of credit risk, liquidity, operational efficiency and the macro-economic level to the the performance of regional development banks
The results showed simultaneously, all the independent variables affected the dependent variable
Summary
Pengaruh Tingkat Ekonomi Makro terhadap Kinerja Bank Faktor tingkat ekonomi makro yang mempengaruhi profitabilitas bank adalah suku bunga. Jika pendapatan bunga bank naik maka akan meningkatkan laba atau keuntungan bank yang bersangkutan (dengan asumsi kenaikan suku bunga diikuti oleh kenaikan suku bunga kredit sehingga biaya bunga ikut naik dan pendapatan bunga yang diterima bank akan semakin besar). Maka peneliti ingin menguji kembali hubungan tingkat ekonomi terhadap kinerja bank ke dalam hipotesis sebagai berikut: H4: Tingkat ekonomi makro berpengaruh positif terhadap kinerja Bank Pembangunan Daerah di Pulau Sumatera. Pengaruh Resiko Kredit, Likuiditas, Efisiensi Operasional Dan Tingkat Ekonomi Makro Ekonomi terhadap Kinerja Bank. Faktor keuangan yang mempengaruhi kinerja bank di antaranya resiko kredit, likuiditas dan efisiensi operasional. H5: Resiko kredit, likuiditas, efisiensi operasional dan tingkat ekonomi makro berpengaruh secara bersama terhadap kinerja bank
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