Escolar Documentos
Profissional Documentos
Cultura Documentos
ISSN No:-2456-2165
Abstract:- This study is to analyze how the influence of The greater the bank's capital, the more business
return on asset, return on equity, net interest margin, loan opportunities that can be worked on. In addition to being
to deposit ratio. and non-performing banking loans listed considered healthier and more competitive to face competition
in book four 2008-2017. Sampling in this study uses a with major banks in the ASEAN region, Book 4 is also
quantitative approach. samples were obtained and used believed to be able to deal with emerging risks associated with
were 4 with an observation period of 10 years. The data overseas business expansion. with the advantages of book
used in this study is secondary data using panel data bank 4 which of course has better endurance in dealing with
analysis methods. The results showed that the variable the Indonesian and global economy. It can be seen that the
return on assets significantly influence the positive fluctuating dividend is also unavoidable and even tends to
direction of the dividend payout ratio. variable return on decrease. with the above considerations, this research is based
equity has a significant effect but with a negative direction on book bank 4.
from the dividend payout ratio. Net interest margin
variable has a significant effect but with a negative Figure 1, illustrates that the four book 4 banks that
direction from the dividend payout ratio. Loan to deposit routinely distribute dividends also experience a fluctuating
ratio variable significantly influences the positive direction trend at the end of each period. From the table, there is a
of the dividend payout ratio. Non-performing loan noticeable fluctuation in the stock return trend since 2009 and
variables have a significant effect but with a negative the sharpest decline occurred in 2015, where the DPR reached
direction from the dividend payout ratio. 23%. and until 2017, the DPR experienced an increase to 38%
but not as high as the 2008 DPR which reached 46%.
Keywords:- ROA, ROE, NIM, LDR, NPL, DPR.
I. INTRODUCTION
Fig. 2: - Theoritical Framework This research uses quantitative analysis techniques with
Source: Theoretical Review statistics namely panel data regression analysis with the help
of e-reviews program version 9.5. The equation used for
J. Hypothesis analysis is as follows:
Return on Assets shows the company's strength in
generating profits. The greater the ROA, the better the
productivity of assets to get a net profit. H1: ROA is suspected
to affect the DPR.
By using the common effect model, the panel data 6) NPL (X5) = 13.3237, if there is an increase in the NPL
regression equation is formed as follows: variable by one unit, then the variable DPR (Y) increases
by 13.3237 assuming the variables X1, X2, X3 and X4 are
DPR = 96,4363 + 7,9333ROA – 1,0778ROE - 4,8743NIM - constant.
0,6145LDR + 13,3237NPL
A. Simultaneous Test
The above equation explains that: Simultaneous based on table 2 above, it is known that for
1) Constanta = 96,4363 The value on the positive constant DPR (Y) as the dependent variable it has a value of F =
shows the positive effect of the independent variable 15.17991 and a value of prob = 0.0000 while a table F value
(ROA, ROE, NIM, LDR and NPL). If the value of each with df = nk-1 = 34 and k = 5 shows a value of F = 2.49, it can
independent variable is 0 (constant) then the DPR (Y) has be seen the value of F statistic = 15.17991 > value of f table =
increased by 96.4363. 2.49. Thus H0 is rejected, this means that the independent
2) ROA (X1) = 7,9333 if there is an increase in the ROA variables together have a significant effect on the dependent
variable by one unit, then the DPR variable (Y) increases variable significance test (F test).
by 7.9333 assuming the variables X2, X3, X4, and X5 are
constant. B. Partial Test
3) ROE (X2) = - 1.0778 , If there is an increase in the ROE The ROA probability of 0.0136 is smaller than 0.05 so
variable by one unit, then the DPR variable (Y) decreases that this variable is in the rejection area of H0 which means
by 0.1262 with insurance variables X1, X3, X4 and X5 that ROA affects the dividend payout ratio of four book banks
constant. in 2008-2017.
4) NIM (X3) = - 48743, If there is an increase in the NIM
variable by one unit, then the DPR variable (Y) decreases ROE probability of 0.0002 is smaller than 0.05 so that
by -4.8743 assuming the variables X1, X2, X4, and X5 are this variable is in the rejection area of H0 which means that
constant. ROE affects the dividend payout ratio of 4 book banks in 2008
5) LDR (X4) = -0.6145, if there is an increase in the variable – 2017.
NPM by one unit, then the variable DPR (Y) decreases by -
0.6145 assuming the variables X1, X2, X4 and X5 are
constant.