Analisis Pengaruh Insurance Deposite, Leverage, Asset Size dan Net Interest Margin Terhadap Bank Stability:

Analysis of The Influence of Insurance Deposite, Leverage, Asset Size and Net Interest Margin on Bank Stability

Abstract

Tujuan Penelitian ini adalah untuk mengetahui pengaruh Insurance Deposite (ID), Leverage, Asset Size (AS) dan Net Interest Margin (NIM) terhadap Bank Stability (BS) di Indonesia periode 2007-2017. Bank Stability dapat diukur melalui Asset Stability dan Liability Stability dimana diperoleh melalui rasio total tabungan terhadap total aset dan rasio kredit terhadap total aset. Untuk melihat pengaruh Insurance Deposite dapat dilihat dari tahun kebijakan Insurance Deposite dengan dua periode yaitu tahun 2007-2008 dengan jaminan seratus juta sedangkan periode 2009-2017 dengan jaminan dua miliar sedangkan pengaruh dari Leverage, Asset Size dan Net Interest Margin dapat dilihat melalui data di Otoritas Jasa Keuangan. Metode yang digunakan dalam penelitian ini melalui Pendekatan efek tetap (Fixed Effect Model) atau Pendekatan efek random (Random Effect Model) serta Analisis Jalur. Hasil dari Penelitian ini secara simultan, seluruh variabel mempengaruhi Asset Stability dan Liability Stability. Secara parsial, hanya variabel Asset Size memiliki pengaruh signifikan. Secara Analisis Jalur, seluruh variabel berpengaruh terhadap Asset Stability melalui Liability Stability.

The purpose of this study was to determine the effect of Insurance Deposite (ID), Leverage, Asset Size (AS) and Net Interest Margin (NIM) on Bank Stability (BS) in Indonesia for the 2007-2017 period. Bank Stability can be measured through Asset Stability and Liability Stability which is obtained through the ratio of total savings to total assets and the ratio of loans to total assets. To see the effect of Insurance Deposits can be seen from the Insurance Deposite policy year with two periods, namely 2007-2008 with a guarantee of one hundred million while the 2009-2017 period with a guarantee of two billion while the influence of Leverage, Asset Size and Net Interest Margin can be seen through data in the Authority Financial Services. The method used in this study is through a fixed effect approach (fixed effect model) or random effect approach (random effect model) and path analysis. The results of this study simultaneously, all variables affect Asset Stability and Liability Stability. Partially, only the Asset Size variable has a significant effect. In Path Analysis, all variables influence Asset Stability through Liability Stability.