Analisis Dampak Corporate Governance Dan Growth Serta Banking Competition Terhadap Kinerja Keuangan Bank Konvensional

Jothsia Lianus; Risal Rinofah; Pristin Prima Sari

doi:10.26905/jbm.v12i2.16366

Authors

Jothsia Lianus
Risal Rinofah
Pristin Prima Sari

DOI:

https://doi.org/10.26905/jbm.v12i2.16366

Keywords:

Kinerja Keuangan, Persaingan Perbankan, Pertumbuhan, Tata Kelola Perusahaan, Ukuran Bank

Abstract

Perbankan memiliki peran strategis dalam menopang stabilitas ekonomi nasional, namun dinamika kompetisi industri, kualitas tata kelola, dan pertumbuhan aset dapat memengaruhi kinerja keuangan bank. Penelitian ini bertujuan menganalisis pengaruh Corporate Governance, Growth, dan Banking Competition terhadap kinerja keuangan bank konvensional di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder dari laporan keuangan dan hasil self-assessment Good Corporate Governance pada 36 bank konvensional yang terdaftar di Bursa Efek Indonesia (BEI) selama 2020-2022. Analisis regresi data panel dilakukan menggunakan Random Effect Model (REM) berdasarkan hasil Uji Chow dan Uji Hausman. Hasil penelitian menunjukkan bahwa meskipun ketiga variabel independen secara simultan signifikan dengan nilai Prob (F-statistic) sebesar 0,0220, model hanya mampu menjelaskan 6,57% variasi Return on Assets (ROA), sehingga kontribusi variabel penelitian secara keseluruhan relatif terbatas. Secara parsial, Corporate Governance, Growth, dan Banking Competition berpengaruh positif namun tidak signifikan, sementara variabel Size terbukti berpengaruh positif dan signifikan dengan koefisien 0,010668 (p = 0,0496). Temuan ini menunjukkan bahwa ukuran aset merupakan determinan utama profitabilitas bank, sedangkan tata kelola, pertumbuhan, dan tingkat persaingan belum memberikan dampak yang kuat terhadap kinerja keuangan perbankan pada periode penelitian.

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