Artikel Ilmiah : C1B009010 a.n. DESY FITRIA KUMALA
| NIM | C1B009010 |
|---|---|
| Namamhs | DESY FITRIA KUMALA |
| Judul Artikel | ANALISIS FAKTOR–FAKTOR YANG MEMPENGARUHI KINERJA BANK PERSERO DI INDONESIA |
| 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. |
| Kata kunci | Loan to deposit ratio, non performing loan, capital adequacy ratio, operational efficiency ratio, net interest margin, bank performance |
| Pembimbing 1 | Dr. Ade Banani, MMS. |
| Pembimbing 2 | Drs. Suwaryo, M.Si. |
| Pembimbing 3 | |
| Tahun | 2013 |
| Jumlah Halaman | 107 |
| Tgl. Entri | (belum diset) |