Update Artikelilmiah: 10884

ALFIAN TAZKY RIDHIAWAN

NIM

Judul Artikel

Abstrak (Bhs. Indonesia)

Penelitian ini berjudul “Analisis Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Return On Asset ROA) dan Non Performing Loan (NPL) tergadap pemberian kredit Bank Umum ( studi empiris pada Bank Umum Swasta Nasional Devisa periode 2010–2014)”. Penelitian ini bertujuan untuk menguji pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR),Biaya Operasional Terhadap Pendapatan Operasional (BOPO), Return On Asset (ROA) dan Non performing Loan terhadap pemberian kredit pada Bank Umum di Indonesia. Populasi penelitian adalah seluruh Bank Umum di Indonesia selama tahun 2010-2014. Penentuan sampel menggunakan purposive sampling, dan diperoleh sebanyak 35 Bank Umum Swasta Nasional Devisa.
Hipotesis penelitian ini adalah: 1) Terdapat pengaruh positif antara DPK terhadap Kredit, 2) Terdapat pengaruh positif antara CAR terhadap kredit, 3) Terdapat pengaruh negatif antara BOPO terhadap kredit, 4) Terdapat pengaruh positif antara ROA terhadap kredit, dan 5) Terdapat pengaruh negatif antara NPL terhadap kredit.
Penelitian ini menggunakan metode analisis kuantitatif berupa analisis regresi berganda dengan syarat uji lolos asumsi klasik, yaitu: uji normalitas, uji multikolinieritas, uji heteroskedastisitas dan uji autokorelasi.
Hasil penelitian menyatakan bahwa terdapat pengaruh positif DPK, CARdan ROA terhadap kredit dan pengaruh negatif NPL serta investasi terhadap kredit. Namun, tidak terdapat pengaruh antara BOPO terhadap kredit.

Abtrak (Bhs. Inggris)

The title of this research is “Analysis the Effects of Third Party Fund, Capital Adequacy Ratio, Operating Expenses to Operations Revenue, Return on Asset and Non Performing Loan towards Credit on Commercial Bank (Empirical Study on Foreign Exchange Commercial Banks 2010 - 2014)”. The purpose of this research was to analyze the influence Third Parties Fund (DPK), Capital Adequacy Ratio (CAR), Operating Expenses to Operations Revenue (BOPO), Return On Asset (ROA) and Non Performing Loan (NPL) toward credit on comercial bank. The population of this research were comercial banks companies in Indonesia that were listed in Bank of Indonesia from 2010-2014 and consistenly provided their credit.
The hypothesis are: 1) There is a positive effect of DPK towards credit, 2) There is a negative effect of CAR towards credit, 3) There is a negative effect of BOPO towards credit, 4) There is a positive effect of ROA towards credit 5).There is a negative effect of NPL towards credit.
This research used the method of quantitative analysis of multiple regression analysis with classical assumption tests, such as: normality test, multicollinearity test, heteroscedasticity test and autocorrelation test.
The results show that DPK,CAR,ROA have a positive effect towards credit, while NPL has negative effects towards credit. On the other hand, BOPO has no effect towards credit.

Kata kunci

Pembimbing 1

Pembimbing 2

Pembimbing 3

Tahun

Jumlah Halaman