Pengaruh Inflasi dan Pertumbuhan Ekonomi terhadap Laba Bank Umum

Abstract

Bank is a business entity which is engaged in financial institution, which is an intermediary institution between the public who saves fundswith people who obtain credit (debtor customers). Banking activities in an economy will be influenced by macroeconomic conditions such as: inflation and economic growth which will affect its profitability. Profitability is very important for banks to be able to increase company value. The aim of this research was to analyze the influence of inflation and gross domestic product (GDP) growth against net interest margin (NIM). Population of this research is all commercial banks listed in Indonesia Stock Exchange (IDX) from 2015 to 2017. Samples collected by purposive sampling method. After passed the purposive sampling phase, 32 commercial banks have been selected as samples, which then categorized into 2 groups, small cap banks and big cap banks. The data used are cross section data and time series data, so the data analysis method uses the Panel data model. The data is processed using the Eviewes program. The test results showed that inflation does not have significant effect on NIM of small cap banks.  The test results also showed that GDP growth does not have significant effect on NIM of neither small cap banks nor big cap banks. Inflation does not affect the profitability of small-cap banks but inflation affects the profitability of large-cap banks. GDP does not affect the profitability of small capitalization banks and large capitalization banks.