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Pengaruh capital adequacy ratio (CAR), loan to deposit ratio (LDR), dan biaya operasional per pendapatan operasional (BOPO) terhadap profitabilitas bank di Indonesia (studi kasus : Bank Central ASIA)
ABSTRAK
Endah Kusumarini 8105112235. Pengaruh Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Beban Operasional per Pendapatan Operasional (BOPO) terhadap Profitabilitas Bank di Indonesia (Studi Kasus: Bank Central Asia), Jakarta: Konsentrasi Pendidikan Ekonomi Koperasi, Program Studi Pendidikan Ekonomi, Jurusan Ekonomi dan Administrasi, Fakultas Ekonomi, Universitas Negeri Jakarta, 2016.
Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Beban Operasional per Pendapatan Operasional (BOPO) terhadap Profitabilitas Bank di Indonesia dengan melakukan studi kasus pada Bank Central Asia. Metode yang digunakan adalah ekspos fakto dengan analisis runtun waktu tahun 2004 hingga tahun 2013. Teknik analisis data yang digunakan dalam penelitian ini adalah regresi linear berganda, uji asumsi klasik, dan uji hipotesis yang terdiri atas uji t dan uji F. Berdasarkan hasil uji F dapat disimpulkan bahwa variabel Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Beban Operasional per Pendapatan Operasional (BOPO) secara simultan berpengaruh terhadap profitabilitas yang di proxy oleh rasio return on assets (ROA) pada Bank Central Asia di Indonesia.Berdasarkan hasil uji t dapat disimpulkan bahwa secara parsial variabel Capital Adequacy Ratio (CAR) dan Loan to Deposit Ratio (LDR) berpengaruh secara positif, namun tidak signifikan terhadap ROA. Sementara variabel Beban Operasional per Pendapatan Operasional (BOPO) berpengaruh negatif dan signifikan terhadap ROA.Nilai koefisien determinasi pada penelitian ini adalah sebesar 0,288 yang berarti sebesar 28,8% return on asset (ROA) dapat dijelaskan oleh variabel Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Beban Operasional per Pendapatan Operasional (BOPO).
Keywords : Profitalibitas, Capital Adequacy Ratio, Loan To Deposit Ratio, Beban Operasional Per Pendapatan Operasional, Bank Central Asia
ABSTRACT
Endah Kusumarini 8105112235. The Influence of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operating Expense per Operating Income (BOPO) to Banking Profitability in Indonesia (Case Study : Bank Central Asia), Jakarta: Concentration Education Cooperative Economics, Economics of Education Studies Program, Department of Economics and Administration, Faculty of Economics, State University of Jakarta, 2016.
The purpose of this research is to examine the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operating Expense per Operating Income (BOPO) to Banking Profitability in Indonesia by conducting a case study on Bank Central Asia. Method used in this research is exposed facto with time series analysis from 2004 to 2013. The data analysis technique used in this research is multiple linear regression, the classic assumption test, and hypothesis test including t test and F. Based on test results, it can concluded that the variable Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operating Expenses per Operating Income (ROA) simultaneously affect the profitability in proxy by the ratio of return on assets (ROA) at Bank Central Asia in Indonesia. Based on t test results can be concluded that in partial Capital Adequacy Ratio (CAR) and the Loan to Deposit Ratio (LDR) effect is positive, but not significant to ROA. While variable Operating Income per Operating Expenses (BOPO) and a significant negative effect on ROA. Coefficient of determination in this study is 0.288, which means 28.8% return on assets (ROA) can be explained by the variable Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operating Expenses per Operating Income (ROA).
Bibliografi ; lembar 67-68
SS00008227 | SK 8227 | UPT Perpustakaan UNJ (CD.08.2016.005) | Tersedia |
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