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DESY FITRIA KUMALA

NIM

Judul Artikel

Abstrak (Bhs. Indonesia)

Tujuan penelitian ini adalah untuk mengetahui dan menganalisis  pengaruh  Loan to Deposit Ratio  (LDR),  Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), rasio Biaya Operasional 
terhadap Pendapatan Operasional (BOPO) maupun rasio  Net Interest Margin (NIM) terhadap kinerja Bank Persero di Indonesia. 
Jenis penelitian ini adalah  studi empiris pada Bank Persero di Indonesia selama periode tahun 2010 sampai dengan 2012  dengan teknik analisis regresi 
berganda.  Berdasarkan hasil analisis regresi diperoleh nilai t hitung variabel Loan to Deposit Ratio  maupun nilai  t  hitung  variabel  Capital Adequacy Ratio  masing-masing lebih kecil dari nilai t tabel, nilai t hitung variabel Biaya Operasional terhadap Pendapatan Operasional maupun  nilai t  hitung  variabel  Non Performing Loan masing-masing lebih kecil dari nilai  -t  tabel  dan nilai  t hitung  variabel Net Interest Margin lebih besar dari nilai t tabel.  Dengan demikian, maka hipotesis pertama dan hipotesis ketiga ditolak, sedangkan hipotesis kedua, keempat dan kelima diterima.   
Berdasarkan hasil analisis data, maka dapat diambil kesimpulan bahwa Loan to Deposit Ratio  maupun  Capital Adequacy Ratio  berpengaruh positif 
namun tidak  signifikan  terhadap kinerja Bank Persero  di Indonesia,  Non Performing Loan  maupun rasio  Biaya Operasional terhadap  Pendapatan Operasional berpengaruh negatif dan signifikan  terhadap kinerja Bank Persero di 
Indonesia dan  Net  Interest Margin  berpengaruh positif dan  signifikan  terhadap kinerja Bank Persero di Indonesia.

Abtrak (Bhs. Inggris)

The aim of research  is  to find out and to analyze the effect of Loan to Deposit Ratio, Non Performing Loan, Capital Adequacy Ratio, Operational Efficiency Ratio and Net Interest Margin on performance of Government Bank in Indonesia.  
The method of research is empirical study with method of analysis  is  multiple regression analysis. Based on the results of multiple regression analysis, it has got the t statistic value of Loan to Deposit Ratio and Capital Adequacy Ratio each is smaller than the value of t  table,  the  t  statistic  value of Operational Efficiency Ratio and  Non Performing Loan each  is smaller than  the -t  table value and the  t  statistic value of Net Interest Margin  is greater than  the t table value. Therefore, the first and third hypotheses are rejected, while the second, fourth and fifth hypotheses are accepted.  
Based on the results of data analysis, it can be concluded that Loan to Deposit Ratio and Capital Adequacy Ratio have no significant effect on performance of Government Bank in Indonesia,  Non Performing Loan  and  Operational Efficiency Ratio  have negative and significant effect on  performance of Government Bank in Indonesia,  while the Net Interest Margin has positive and significant effect on performance of Government Bank in Indonesia.

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