ANALISIS PENGARUH JUMLAH ATM, MIKRO DAN RETAIL BANKING, GAJI DIREKSI, DAN NII TERHADAP TINGKAT KESEHATAN BANK DENGAN METODE RGEC MELALUI MEDIASI NPL DAN ROA (Studi pada Perbankan di Indonesia Periode Tahun 2011-2014)

Abstract

ABSTRACT This study is performed to test the effect of number of ATM, micro and retail banking, salary of direction, and NII toward RGEC mediating by non performing loan (NPL) and Return on Asset (ROA). The objective to analyze the effect of the number of ATM, micro and retail banking, salary of direction, and NII toward RGEC mediating by non performing loan (NPL) and Return on Asset (ROA) in banking industry over period 2011-2014. Sampling technique used here is pusposive sampling. The data was taken Otoritas Jasa Keuangan (OJK). It is gained sample amount of 10 data. The analysis technique used here is multiple regression with the least square difference and hypothesis test using t-statistic to examine partial regression coefficient and f-statistic to examine the mean of mutual effect with level of significance 5%. In addition, classical assumption is also performed including normality test, multicolinearity test, and heteroscedasticity test. The result shows number of ATM, NII, NPL and ROA to have influence toward RGEC at level of significance less than 5%, and micro and retail banking, salary of direction, have no influence toward RGEC at level of significance more than 5%.