Faktor fundamental dan capital behavior perbankan di Indonesia

Dhurotus Sangadah

Abstract


Modal memiliki peran penting pada operasional perbankan, selain mengindikasikan pemenuhan regulasi modal juga berfungsi untuk mengantisipasi resiko dimasa mendatang. Studi mengenai capital buffer yang dimediasi ROA masih jarang dilakukan. Studi ini bertujuan untuk mengisi kesenjangan dengan menginvestigasi faktor penentu capital buffer dengan menggunakan path analysis  penelitian dilakukan pada bank umum yang dimiliki oleh pemerintah dengan peroiode pengamatan tahun 2015 hingga tahun 2020. Adanya campur tangan terutama pada sisi pendanaan  sisi pendanaan menjadi salah satu karakteristik bank persero. Hasil penelitian menunjukkan LOTA berpengaruh secara negatif terhadap ROA dan capital buffer sedangkan NPL berpengaruh secara negatif terhadap ROA dan berpengaruh secara positif terhadap capital buffer. Pada pengujian mediasi ROA mamou memediasi pengaruh NPL terhadap capital buffer namun tidak mampu memediasi engaruh LOTA terhadap capital buffer. 


Keywords


Capital buffer; return on asset; loans to total asset; non performing loans

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DOI: https://doi.org/10.30872/jkin.v19i3.11381

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