PENGARUH LIKUIDITAS DAN STRUKTUR MODAL TERHADAP KINERJA KEUANGAN DI SEKTOR PERBANKAN

Abstract

Artikel ini menganalisis pengaruh Likuiditas dan Struktur Modal terhadap kinerja keuangan perbankan di Indonesia. Dalam penelitian ini membahas kondisi likuiditas perbankan yang menunjukkan kelonggaran likuiditas dengan pertumbuhan primer sebesar 5,4% year on year, didorong oleh ekspansi keuangan pemerintah. Bank Indonesia mengambil langkah proaktif untuk memastikan ketersediaan likuiditas yang memadai, termasuk pelonggaran kebijakan makroprudensial, Tingginya likuiditas mendukung fungsi intermediasi bank dan stabilitas suku bunga. Selain itu juga menunjukkan terkait kinerja keuangan yang mempunyai rata-rata 0,0150 dengan standar deviasi 0,01426, serta nilai maksimum dan minimum yang teridentifikasi. Uji Multikolinearitas tidak menunjukkan indikasi masalah, dengan nilai tolerance di atas 0,10 dan VIF dibawah 10. Analisis regresi linier berganda mengungkapkan bahwa struktur modal memiliki koefisien 0,213. Uji F menunjukkan bahwa struktur modal memberikan dampak positif dan signifikan terhadap kinerja keuangan. Temuan ini memberikan implikasi penting untuk pengelolaan keuangan yang efektif di sektor perbankan.

This article analyzes the effect of Liquidity and Capital Structure on the financial performance of banks in Indonesia. In this study, it discusses the liquidity condition of the banking system which shows liquidity slack with primary growth of 5.4% year on year, driven by government financial expansion. Bank Indonesia takes proactive steps to ensure the availability of adequate liquidity, including easing macroprudential policies, High liquidity supports the intermediary function of banks and interest rate stability. In addition, it also shows related financial performance which has an average of 0.0150 with a standard deviation of 0.01426, as well as the maximum and minimum values identified. Multicollinearity test shows no indication of problem, with tolerance value above 0.10 and VIF below 10. Multiple linear regression analysis reveals that capital structure has a coefficient of 0.213. The F test shows that capital structure has a positive and significant impact on financial performance. The findings provide important implications for effective financial management in the banking sector. This article analyzes the effect of liquidity and capital structure on banking financial performance in Indonesia. This study discussed the condition of banking liquidity which showed liquidity leeway with primary growth of 5.4% year on year, driven by government financial expansion. Bank Indonesia takes a proactive step to ensure the availability of adequate liquidity, including the easing of macroprudential policies, high liquidity supports the intermediary function of the bank and interest rate stability. It also shows financial performance which has an average of 0.0150 with a standard deviation of 0.01426, as well as the maximum and minimum values identified. Multicollinearity tests do not show indications of the problem, with tolerance values above 0.10 and VIF below 10. Multiple linear regression analysis revealed that the capital structure has a coefficient of 0.213. The F test shows that the capital structure has a positive and significant impact on financial performance. These findings provide important implications for effective financial management in the banking sector.