PANGSA PASAR DANA PIHAK KETIGA DAN RETURN ON ASSETS BANK UMUM DI INDONESIA

Succesfull bank mostly have a huge amount of market share deposits which is not
only indicating bank competitiveness but also influencing their profitability. Many
banks compete to reach a big percentage of market share deposits since it is one
of the important assets to conduct their role as financial intermediaries in business
sector. Thus, market share deposits became a crucial factor in banking sector.
This research purposed to study the impact of market share deposits to return on
assets at commercial bank from 2003-2005 in Indonesia with capital adequacy
ratio (CAR), loan to deposits ratio (LDR), size, and ownership (OWNER) as control
variables. There is a 100 bank observed in this research. The result of this research
is market share deposits has a negatif significant effect to return on assets, because
the dominant percentage of market share deposits is time deposits which has the
highest interest rate.
Keywords : Market share deposits, return on assets, commercial bank.