Manurung, Yoga Leonard (2019) Analisis Rasio Capital Adequacy Ratio (CAR), Biaya Operasional per Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) terhadap Return on Asset (ROA) Perbankan (Studi Pada Bank Umum yang Terdaftar di Bursa Efek Indonesia Periode 2016-2017). Sarjana thesis, Universitas Brawijaya.
Abstract
Bank merupakan salah satu lembaga sektor jasa keuangan yang mempunyai kegiatan utama yakni menghimpun dana dan menyalurkannya kembali dalam bentuk-bentuk pembiayaan. Bank dalam kegiatannya harus memberikan jaminan kepercayaan kepada masyarakat, oleh karena itu bank harus senantiasa menjaga tingkat kesehatannya agar menjadi jaminan bahwa bank tersebut dapat dipercaya. Profitabilitas yang diperoleh bank dalam satu periode dapat menjadi instrumen yang dapat menjadi tolak ukur tentang kesehatan bank tersebut. Profitabilitas dalam penelitian ini menggunakan rasio Return on Asset (ROA) yang menghitung kemampuan bank dalam memperoleh keuntungan dari total aset yang dimiliki. Semakin besar rasio ROA menunjukkan keuntungan yang diperoleh bank tersebut juga semakin besar. Tujuan penelitian ini adalah untuk membuktikan pengaruh Capital Adequacy Ratio (CAR), Biaya Operasional per Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), dan Non Performing Loan (NPL) terhadap kinerja bank yang diukur dengan rasio Return on Asset (ROA). Penelitian ini juga ingin melihat variabel apa yang sangat berpengaruh terhadap perolehan profitabilitas bagi bank. Penelitian ini menggunakan teknik analisis regresi linear berganda dan menggunakan alat analisis SPSS 23. Hasil penelitian ini menunjukkan bahwa secara simultan variabel Capital Adequacy Ratio (CAR), Biaya Operasional per Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), dan Non Performing Loan (NPL) berpengaruh terhadap Return on Asset (ROA). Secara parsial rasio Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Non Performing Loan (NPL) berpengaruh positif namun tidak signifikan terhadap Return on Asset (ROA) dan Biaya Operasional per Pendapatan Operasional (BOPO) berpengaruh negatif signifikan terhadap Return on Asset (ROA).
English Abstract
The bank is one of the financial service sector institutions that has the main activity of raising funds and redistributing them in forms of financing. Banks in their activities must provide a guarantee of trust in the community, therefore banks must always maintain their level of health in order to be a guarantee that the bank can be trusted. The profitability obtained by the bank in one period can be an instrument that can be a benchmark for the health of the bank. Profitability in this study uses the Return on Assets (ROA) ratio which calculates the ability of banks to obtain profits from total assets held. The greater the ROA ratio shows the greater the profit obtained by the bank.The purpose of this study is to prove the effect of Capital Adequacy Ratio (CAR), Operational Costs per Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Non Performing Loans (NPL) to bank performance as measured by the Return on Asset (ROA) ratio. ) This study also wants to see what variables greatly influence the acquisition of profitability for the bank. This study uses multiple linear regression analysis techniques and uses SPSS 23. Analysis results The results of this study indicate that simultaneously the variable Capital Adequacy Ratio (CAR), Operational Cost per Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Non Performing Loan (NPL) affects Return on Assets (ROA). Partially the Capital Adequacy Ratio (CAR) ratio, Loan to Deposit Ratio (LDR), and Non Performing Loans (NPL) have a positive but not significant effect on Return on Assets (ROA) and Operational Costs per Operational Income (BOPO) which have a significant negative effect on Return on Asset (ROA).
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FIA/2019/12/051905953 |
| Uncontrolled Keywords: | CAR, BOPO, LDR, NPL, dan ROA-CAR, BOPO, LDR, NPL, and ROA |
| Subjects: | 600 Technology (Applied sciences) > 658 General management > 658.1 Organization and financial management > 658.15 Financial management > 658.152 Management of financial operations |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 05 Nov 2020 15:25 |
| Last Modified: | 21 Oct 2021 08:39 |
| URI: | http://repository.ub.ac.id/id/eprint/172468 |
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