Update Artikelilmiah: 13430

VICKAR PRIMANDA SHALAHUDIN AZIZ

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Judul Artikel

Abstrak (Bhs. Indonesia)

Penelitian ini bertujuan untuk menganalisis pengaruh pemberian kredit, dana pihak ketiga, capital adequacy ratio, loan to deposit ratio, dan BOPO terhadap kinerja keuangan berupa return on asset pada sektor perbankan yang terdaftar di Bursa Efek Indonesia. Objek dalam penelitian ini adalah bank umum yang terdaftar di Bursa Efek Indonesia periode 2007-2011. Sampel dalam penelitian ini berjumlah 23 perusahaan, yang dipilih dengan metode purposive sampling dan dianalisis menggunakan regresi linier berganda.
Berdasarkan analisis yang telah dilakukan diperoleh hasil bahwa secara parsial variabel pemberian kredit dan loan to deposit ratio berpengaruh positif dan signifikan terhadap kinerja keuangan bank berupa return on asset. Dana pihak ketiga dan capital adequacy ratio berpengaruh positif tetapi tidak signifikan terhadap kinerja keuangan berupa return on asset. Sedangkan BOPO berpengaruh negatif dan signifikan terhadap kinerja keuangan berupa return on asset.
Sebagai implikasi, perusahaan harus melakukan penghimpunan dana secara optimal, memiliki manajemen perkreditan yang baik, mampu mengendalikan biaya operasional perusahaan secara efisien, dan mampu mengoptimalkan sumber daya financial (modal) yang dimiliki.

Kata kunci : Pemberian kredit, dana pihak ketiga, CAR, LDR, BOPO, ROA

Abtrak (Bhs. Inggris)

The research aims to analyze the influence of loans, third party funds, capital adequacy ratio, loan to deposit ratio, and BOPO to financial performance such as return on asset on the banks listed in Indonesia Stock Exchange. The objects of this study were commercial banks listed in Indonesia stock exchange in 2007-2011. The sample of this study were 23 companies, it selected using purposive sampling method and was analyzed using multiple linear regression.
The result shows that partially, variables of loans and loan to deposit ratio had positive influence and significant to financial performance such as return on asset. But third party funds and capital adequacy ratio were variables that have no significant influence to financial performance such as return on asset. While BOPO  were  variable that have negative and significant influence on financial performance such as return on assets.
As an implication, the company must perform optimally funding, have a good credit management, capable of controlling operating costs efficiently, and are able to optimize financial resources (capital) owned.

Keywords : Loans, third party funds, CAR, LDR, BOPO, ROA

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