| NIM | C1B015061 |
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| Namamhs | RINI UNDRIYANI |
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| Judul Artikel | ANALISIS PENGARUH CAPITAL ADEQUACY RATIO, GIRO WAJIB MINIMUM, LOAN TO DEPOSIT RATIO, NPL, DAN BOPO TERHADAP KINERJA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA (2013-2017) |
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| Abstrak (Bhs. Indonesia) | Penelitian ini berjudul “Analisis Pengaruh Capital Adequacy Ratio, Giro Wajib Minimum, Loan to Deposit Ratio, NPL, dan BOPO terhadap Kinerja Bank Umum yang Terdaftar di Bursa Efek Indonesia (2013-2017)”. Penelitian ini bertujuan untuk mengetahui apakah variabel capital adequacy ratio, giro wajib minimum, loan to deposit ratio, non performing loan, dan biaya operasional pendapatan operasional berpengaruh signifikan terhadap profitabilitas bank yang diproksikan dengan return on assets. Penelitian ini dilakukan selama periode 2013-2017. Jenis penelitian ini merupakan penelitian kuantitatif dengan bentuk asosiatif untuk mengetahui pengaruh atau hubungan dari dua variabel atau lebih. Populasi dalam penelitian ini adalah seluruh bank umum yang terdaftar di Bursa Efek Indonesia selama periode penelitian ini. Metode pengumpulan data pada penelitian ini menggunakan metode purposive sampling, sehingga diperoleh 23 bank. Penelitian ini menggunakan metode analisis regresi data panel dengan model Fixed Effect, untuk menganalisis data menggunakan software Eviews 10. Pengujian hipotesis dilakukan dengan menggunakan koefisien determinasi yang disesuaikan, uji F statistik dan uji t statistik. Hasil penelitian menunjukkan bahwa capital adequacy ratio tidak berpengaruh terhadap profitabilitas. Kedua, giro wajib minimum tidak berpengaruh terhadap profitabilitas. Ketiga, loan to deposit ratio tidak berpengaruh terhadap profitabilitas. Keempat, non performing loan berpengaruh negatif dan signifikan terhadap profitabilitas. Kelima, biaya operasional pendapatan operasional berpengaruh negatif dan signifikan terhadap profitabilitas. Implikasi dari penelitian ini agar manajemen bank lebih memperhatikan besarnya nilai Non Performing Loan dan Biaya Operasional Pendapatan Operasional. Selain itu, Bank Indonesia sebagai pembuat regulasi dapat terus melakukan perubahan secara berkala mengenai besaran kebijakan giro wajib minimum agar perbankan tidak merasa terbebani. |
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| Abtrak (Bhs. Inggris) | This research entitled "The Analysis of The Effect of Capital Adequacy Ratio, Reserve Requirements, Loan to Deposit Ratio, NPL, and OEOI on the Performance of Commercial Banks Listed in Indonesia Stock Exchange (2013-2017)". This study aims to determine whether the variable capital adequacy ratio, reserve requirements, loan to deposit ratio, non-performing loans, operating expenses operating income significant effect on bank profitability proxied by return on assets. This study was conducted during the period 2013-2017. This type of research is a quantitative research to determine the effect of associative form or relationship of two or more variables. The population in this study are all commercial banks listed on the Indonesia Stock Exchange during the period of this study. Methods of data collection in this study using purposive sampling method, in order to obtain 23 banks. This study uses panel data regression analysis with a model Fixed Effect, to analyze the data using software Eviews 10. Hypothesis testing is done by using the adjusted coefficient of determination, F test statistic and t test statistics. The results showed that the capital adequacy ratio does not affect the profitability. Second, the reserve requirements does not affect the bank's profitability. Third, the loan to deposit ratio does not affect the profitability. Fourth, non-performing loans have a significant negative effect on profitability. Fifth, operating expenses operating income have a significant negative effect on profitability. The implications of this study that the bank's management should pay more attention to the value of non-performing loans and operating expenses operating income. In addition, Bank Indonesia as the regulator can continue to make changes on a regular basis regarding the amount of reserve requirements policy, so banks should not feel burdened. |
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| Kata kunci | return on assets, capital adequacy ratio, giro wajib minimum, loan to deposit ratio, non performing loan, biaya operasional pendapatan operasional. |
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| Pembimbing 1 | Dr. Sudarto, M.E. |
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| Pembimbing 2 | Sulistyandari, S.E., M.Si. |
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| Pembimbing 3 | Retno Kurniasih, S.E., M.Si. |
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| Tahun | 2019 |
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| Jumlah Halaman | 24 |
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| Tgl. Entri | 2019-04-30 08:25:17.060896 |
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