PENGARUH DANA PIHAK KETIGA, KECUKUPAN MODAL, EFISIENSI OPERASIONAL TERHADAP KINERJA KEUANGAN BANK (Studi Kasus Pada Bank Umum Swasta Nasional Yang Tercatat di Bursa Efek Indonesia Periode 2015-2019)

Ambarwati Ambarwati, Anny Widiasmara, Moh Ubaidillah

Abstract


This study aims to determine the effect of third party funds, capital adequacy and operational efficiency towards the financial performance of National Private Commercial Banks listed on the Indonesia Stock Exchange for the 2015-2019 period. The population used in this study were all National Private Commercial Banks listed o the Indonesia Stock Exchange for the 2015-2019 period. The sample used was 25 banking companies which were classified based on certain criteria using the purposive sampling method. The data used was secondary data in the form of annual reports published by the Indonesia Stock Exchange and their respective banking websites during the 2015-2019 period. The data analysis technique used multiple linear regression analysis. The results of this study indicate that the third party funds variable has a positive and significant effect towards financial performance. The capital adequacy variable has a positive and significant effecttowards financial performance. Operational efficiency variable has a negative and significant effect towards financial performance.
Keywords: Third Party Funds, Capital Adequacy (CAR), Operational Efficiency (BOPO, Financial Performance (ROA).


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