THE EFFECT OF OPERATING COST, OPERATIONAL EFFICIENCY, CREDIT RISK, LIQUIDITY RISK, RISK AVERSION, MARKET SHARE, BI RATE ON MARGIN BANK

Abstract

ABSTRACT

The purpose of this study is to know how the influence of operating cost, operational efficiency, credit risk, liquidity risk, risk aversion, market share, spread of interest ratetobank margin, the study population is 41 banking companies registered in Bursa Efek Indonesia in 2010-2016 and the sample research into 30 companies with research methods. The type of research used is associative research that is associative technique of associative research using quantitative analysis technique (statistic). To know the amount of influence between variable of writer use data analysis with help SPSS 20. The results of analysis using regression analysis found that the operating cost affects the margin banks in banking companies listed on the Indonesia Stock Exchange period 2010-2015. The results of analysis using regression analysis found that operational efficiency, credit risk and liquidity risk affects the margin banks in banking companies listed on the Indonesia Stock Exchange period 2010 - 2016. Meanwhile, risk aversion, market share and BI rate have no effect on bank margin on banking companies listed on Indonesia Stock Exchange period 2010-2015.

Key Words: Operating Cost, Operational Efficiency, Credit Risk, Liquidity Risk, Risk Aversion, Market Share, Spread of Interest Rate, Bank Margin