以经营成本和营业收入(OCOI)为干预变量的印尼商业银行贷款绩效对利润增长的影响

Eko Pramukti, A. R. Laba, Andika Pramukti
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引用次数: 0

摘要

本研究旨在分析和确定印尼商业银行的贷款绩效对利润增长的影响,并以运营成本和运营收入(OCOI)作为干预变量。本研究的数据分析技术采用偏最小二乘(PLS),使用Smart PLS软件。这种数据分析技术是为了方便研究人员对数据进行处理和分析。结果表明,贷款绩效系数对利润增长有显著的正向影响。检验贷款绩效对利润增长的路径系数为0.372,t统计值为3.504。t统计值小于t表值(1.96)。营业成本系数和营业收入系数对利润增长呈显著负向影响。利润增长的OCOI检验结果显示路径系数为-0.638,t统计值为6.324。t统计值大于t表值(1.96)。通过运营成本和运营收入得出的贷款绩效系数为负,对利润增长影响不显著。通过OCOI检验贷款绩效对利润增长的路径系数为-0.174,t统计值为1.756。t统计值小于t表值(1.96)。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Effect of Loan Performance on Profit Growth WITH Operational Costs and Operating Income (OCOI) as Intervening Variables at Commercial Banks in Indonesia
This study aims to analyze and determine the effect of loan performance on profit growth with operational costs and operating income (OCOI) as intervening variables in commercial banks in Indonesia. The data analysis technique in this study uses Partial Least Square (PLS) using Smart PLS software. This data analysis technique is used to facilitate researchers in data processing and analysis. The results show that the loan performance coefficient positively and significantly affects profit growth. The results of testing loan performance on profit growth show a path coefficient of 0.372 with a t-statistic value of 3.504. The t-statistic value is smaller than the t-table value (1.96). The coefficient of operating costs and operating income shows a negative and significant impact on profit growth. The results of the OCOI test on profit growth show a path coefficient of -0.638 with a t-statistic value of 6.324. The t-statistic value is greater than the t-table value (1.96). The loan performance coefficient through operational costs and operating income is negative and not significant to profit growth. The results of testing the performance of loans through OCOI on profit growth show a path coefficient of -0.174 with a t-statistic value of 1.756. The t-statistic value is smaller than the t-table value (1.96).
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