GDL

Jurnal Keuangan dan Perbankan, Volume 16, Nomor 1, Januari 2012
Journal from JIPTUNMERPP / 2012-08-31 10:55:21
Oleh : Harmono, Diploma 3 of Finance and Banking Merdeka University Malang (jurkeubank@yahoo.com)
Dibuat : 2012-01-01, dengan file

Keyword : Macroeconomic fundamental, credit Interest scheme, financial performance

This study aim to analysis the effect of macroeconomic fundamental and credit interest scheme to financial
performance of conventional Bank in Indonesia. The operational of dependent variable, by using Capital Ad-
equacy Ratio, non-performing loan, net interest margin, return on assets, and loan to deposits ratio. And the
others hand,independent variable are measured by macroeconomics fundamental;i.e.Interest Rate of Indonesian
Central Bank, inflation, and exchange rate of rupiah to US$.Credit interest scheme consist of working-capital
credit interest rate, investment credit, and interest rate of consumption credit. Sampling technique,using purpo-
sive sampling and the number of samples is conventional banks in Indonesia. Data will be analysis 2006-2010
monthly. Analysis technique isstructural equation model. The discovery results showed, the macroeconomic
fundamental factors have significant to bank performance and dimension of credit interest scheme have role as
intervening variable in supporting macro fundamental in influencing to financial performance of conventional
banking in Indonesia. For represented of variables have any significant in contributed to each dimension can be
described, for macroeconomic fundamental, all variable is significant to contribute in factor construct. For credit
interest scheme was too all of variable, and bank performance just Capital Adequacy Ratio and Return on Assets.

Deskripsi Alternatif :

This study aim to analysis the effect of macroeconomic fundamental and credit interest scheme to financial
performance of conventional Bank in Indonesia. The operational of dependent variable, by using Capital Ad-
equacy Ratio, non-performing loan, net interest margin, return on assets, and loan to deposits ratio. And the
others hand,independent variable are measured by macroeconomics fundamental;i.e.Interest Rate of Indonesian
Central Bank, inflation, and exchange rate of rupiah to US$.Credit interest scheme consist of working-capital
credit interest rate, investment credit, and interest rate of consumption credit. Sampling technique,using purpo-
sive sampling and the number of samples is conventional banks in Indonesia. Data will be analysis 2006-2010
monthly. Analysis technique isstructural equation model. The discovery results showed, the macroeconomic
fundamental factors have significant to bank performance and dimension of credit interest scheme have role as
intervening variable in supporting macro fundamental in influencing to financial performance of conventional
banking in Indonesia. For represented of variables have any significant in contributed to each dimension can be
described, for macroeconomic fundamental, all variable is significant to contribute in factor construct. For credit
interest scheme was too all of variable, and bank performance just Capital Adequacy Ratio and Return on Assets.

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