Pengaruh risiko usaha terhadap profitabilitas pada bank umum swasta nasional devisa

Abstract

The purposes of this study are analyzes the simultaneously and partially effect of LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR to ROA in Bank Umum Swasta Nasional Devisa. The sample of this study consisted of four banks: Bank CIMB Niaga, Bank Permata, Bank Pan Indonesia, and Maybank. This study used secondary data taken from the financial statements of Bank Umum Swasta Nasional Devisa. The bank period from the first quarter of 2013 to the second quarter of 2018. The technique of analyzing data is descriptive analysis and used linear regression analysis, F table, t table. The result of this study indicate that analyzing LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR simultaneously have a significant effect on ROA in Bank Umum Swasta Nasional Devisa. Partial LDR, IPR and APB have unsignificant negative effect on ROA in Bank Umum Swasta Nasional Devisa. NPL and IRR partially have unsignificant positive effect on ROA in Bank Umum Swasta Nasional Devisa. PDN and BOPO partially have significant negative effect on ROA in Bank Umum Swasta Nasional Devisa. FBIR partially has significant positive effect on ROA in Bank Umum Swasta Nasional Devisa.

Rupiah Exchange Rate Fluctuations in The US Dollar, Purchasing Power Parity Theory and Fisher Effect Theory Testing

“…An exchange rate is a form of exchange of two currencies, which is compared to the "price" of two currencies. The exchange rate itself consists of two types, namely the real rate, or the rate that describes the commodity price of a country, and the nominal rate, which is used in exchange for the currency of another country, (Karyani & Darmawan, 2020). In the movement of exchange rates, there are two conditions, namely appreciation, and depreciation.…”

“…Conversely, if the bank lowers the interest rate, then the level of public demand for loans becomes high. When many people take out loans, then the amount of money circulating in the market will decrease, and automatically the inflation rate will fall, (Karyani & Darmawan, 2020). According to (Pangestuti & Tindangen, 2020) if the interest rate is high, it will lower the desire of an entrepreneur to invest, because spending on investment will increase along with the increase in interest rates that must be paid as use of capital (cost of capital).…”

“…In industry 4.0, with the rapid development of digitalization, the foreign exchange (forex) market has become one of the trading markets that many investors are interested in. In the forex market, forex investors buy currencies from a particular country and exchange them for other currencies, taking advantage of fluctuations in currency prices, (Karyani & Darmawan, 2020). The era of digitalization makes it easy to transact in the forex market, which has resulted in the forex market being much in demand by investors.…”

“…Therefore, the central bank will adjust the level of demand from foreign currency rates by adjusting interest rates. If the central bank raises interest rates, then the level of public demand for loans becomes low, resulting in a lot of money supply in the market (Karyani & Darmawan, 2020). The amount of money circulating in the market results in inflation conditions, where commodity prices in the market rise.…”