ANALISIS PENGARUH DISIPLIN PASAR TERHADAP PROFITABILITAS BANK UMUM (STUDI KASUS PADA BANK BUKU 4 PERIODE 2008-2016)
Abstract
Paper ini merupakan tinjauan teoritis dan empiris dari pengaruh disiplin pasar terhadap profitabilitas bank umum. Penelitian ini dilakukan pada bank-bank umum yang masuk dalam kategori Bank BUKU 4. Bank-bank tersebut meliputi Bank BNI, Bank BRI, Bank Mandiri, dan Bank BCA. Data yang digunakan adalah data panel yang merupakan gabungan dari data time series dan cross section berupa rasio return on asset (ROA), return on equity (ROE), non performing loan (NPL) yang merupakan implementasi dari transparansi laporan keuangan bank, net interest margin (NIM) yang merupakan implementasi dari transparansi produk bank, dan capital adequacy ratio (CAR) yang merupakan implementasi dari perubahan struktur kecukupan modal bank dari tahun 2008 sampai tahun 2016. Dari tinjuan tersebut, diperoleh hipotesis bahwa disiplin pasar berpengaruh terhadap profitabilitas bank.
Kata Kunci: Disiplin pasar, Profitabilitas bank.
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