Artikel Ilmiah : C1B012111 a.n. FANINDA UNTUNG WALHIDAYANTO
| NIM | C1B012111 |
|---|---|
| Namamhs | FANINDA UNTUNG WALHIDAYANTO |
| Judul Artikel | ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI RETURN ON ASSET (ROA) (Studi Pada Bank Perkreditan Rakyat (BPR) di ruang lingkup kerja OJK Purwokerto Tahun 2012-2015) |
| Abstrak (Bhs. Indonesia) | Penelitian ini merupakan penelitian explanatory yang dilakukan pada Bank Perkreditan Rakyat (BPR) di ruang lingkup OJK Purwokerto pada periode Tahun 2012 – 2015. Penelitian ini berjudul “Analisis Faktor-faktor yang Mempengaruhi Return on Asset (ROA) (Studi pada Bank Perkreditan Rakyat (BPR) yang ada di ruang lingkup OJK Purwokerto Tahun 2012 – 2015”. Tujuan penelitian ini adalah untuk menganalisis pengaruh dana pihak ketiga, penyaluran kredit, non performing loan, net interest margin, capital adequacy ratio, dan biaya operasional pendapatan operasional terhadap return on asset pada Bank Perkreditan Rakyat di ruang lingkup OJK Puwokerto Tahun 2012 – 2015. Penelitian ini menggunakan model analasis regresi berganda sebagai alat pengujian hipotesis. Populasi dalam penelitian ini adalah seluruh BPR yang ada di ruang lingkup OJK Purwokerto tahun 2012-2015 sebanyak 18 bank. Sedangkan sampel yang digunakan dalam penelitian ini menggunakan metode purposive sampling dan didapatkan sampel sebanyak 13 bank. Dari hasil penelitian didapatkan: (1) dana pihak ketiga berpengaruh positif terhadap return on asset, (2) penyaluran kredit berpengaruh positif terhadap return on asset, (3) non performing loan tidak berpengaruh terhadap return on asset, (4) net interest margin berpengaruh positif terhadap return on asset, (5) capital adequacy ratio tidak berpengaruh terhadap return on asset, (6) biaya operasional pendapatan operasional berpengaruh negatif terhadap return on asset. |
| Abtrak (Bhs. Inggris) | This research is an explanatory research conducted on Rural Banking (BPR) on OJK Purwokerto territory during Year 2012 – 2015. The research entitled “Analysis variables that influence Return on Asset (Study on Rural Banking ) on OJK Purwokerto territory during Year 2012 – 2015)”. The purpose of this research is to analyze the influence of third – party funds, credit distribution, non performing loan, net interest margin, capital adequacy ratio, and operational expense operational income toward return on asset. This research used multiple regression analysis as model to test the hypothesis. The population in this research was Rural Banking (BPR) ) on OJK Purwokerto territory during Year 2012 – 2015 consisting of 18 banks. While the samples of this research were taken by purposive sampling method which were 13 banks. The result of this research showed that: (1) Third – party funds had positive effect toward return on asset, (2) Credit distribution had positive effect toward return on asset, (3) Non performing loan had no effect toward return on asset, (4) Net interest margin had positive effect toward return on asset. (5) Capital adequacy ratio had no effect toward return on asset. (6) Operational expense and operational income had negative effect toward return on asset. |
| Kata kunci | return on asset, three fund rising, credit distribution, non performing loan, net interest margin, capital adequacy ratio, operational expense and operational income. |
| Pembimbing 1 | Dr. Ade Banani, MMS. |
| Pembimbing 2 | Drs. Yayat Giyatno, M.Sc |
| Pembimbing 3 | Drs. Suwaryo, M.Si |
| Tahun | 2016 |
| Jumlah Halaman | 15 |
| Tgl. Entri | 2016-07-12 17:15:37.48462 |