Harmono, Harmono ORCID: https://orcid.org/0000-0002-1933-5017 (2012) Faktor Fundamental Makro Dan Skim Bunga Kredit Sebagai Variabel Intervening Pengaruhnya Terhadap Kinerja Bank. Jurnal Keuangan dan Perbankan, 16 (1). pp. 132-146. ISSN 1410-8089 (Print) ; 2443-2687 (Online)

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Abstract

This study aim to analysis the effect of macroeconomic fundamental and credit interest scheme to financial
performance of conventional Bank in Indonesia. The operational of dependent variable, by using Capital Adequacy Ratio, non-performing loan, net interest margin, return on assets, and loan to deposits ratio. And the others hand,independent variable are measured by macroeconomics fundamental;i.e.Interest Rate of Indonesian Central Bank, inflation, and exchange rate of rupiah to US$.Credit interest scheme consist of working-capital credit interest rate, investment credit, and interest rate of consumption credit. Sampling technique,using purposive sampling and the number of samples is conventional banks in Indonesia. Data will be analysis 2006-2010 monthly. Analysis technique isstructural equation model. The discovery results showed, the macroeconomic
fundamental factors have significant to bank performance and dimension of credit interest scheme have role as intervening variable in supporting macro fundamental in influencing to financial performance of conventional
banking in Indonesia. For represented of variables have any significant in contributed to each dimension can be described, for macroeconomic fundamental, all variable is significant to contribute in factor construct. For credit interest scheme was too all of variable, and bank performance just Capital Adequacy Ratio and Return on Assets.

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