DETERMINAN FAKTOR INTERNAL TERHADAP PROFITABILITAS BANK SWASTA DI INDONESIA PERIODE 2010 - 2017

AMRULLOH, FAIZ MUTTAQIN (2019) DETERMINAN FAKTOR INTERNAL TERHADAP PROFITABILITAS BANK SWASTA DI INDONESIA PERIODE 2010 - 2017. S2 thesis, Universitas Mercu Buana Jakarta.

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Abstract

This study aims to examine and analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Net Interest Margin (NIM), Oprational Costs and Oprational Income (BOPO) and Loan Deposit Ratio (LDR) to Return on Assets (ROA) of National Private banks listed in the IDX for the period 2010-2017. Research data is secondary data for the 8 year observation period. The sampling method used was purposive sampling method, where all of the banks listed in IDX were taken by 11 national private banks that reported their financial statements in a row during the study period. The analytical method used in this study is the Random Effect Model panel data regression. Independent variables are able to explain dependent variable ROA by 98.44%, while 1.56% is explained by other factors out of the model. The results showed that CAR and LDR didn’t determine, NPL and BOPO determined a significant negative and NIM had a significant positive effect on the ROA of national private banks. Released for investors and companies to consider financial ratios, especially NPL and BOPO, on the next researchers for adding other fundamental factors and observation periods. Keywords: Profitability, Bank Profitability, Private Bank, Return On Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Net Interest Margin (NIM), Oprational Costs and Oprational Income (BOPO) and Loan Deposit Ratio (LDR). Penelitian ini bertujuan menguji dan menganalisis pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Biaya Oprasional dan Pendapatan Oprasional (BOPO) dan Loan Deposit Ratio (LDR) terhadap Profitabilitas yang diwakili Return On Assets (ROA) perbankan Swasta Nasional Konvensional yang terdaftar di BEI periode 2010-2017. Data Penelitian merupakan data sekunder dengan periode observasi 8 tahun. Metode sampling yang digunakan adalah metode purposive sampling, dimana dari semua bank yang terdaftar di BEI diambil 11 bank swasta nasional yang melaporkan laporan keuangannya secara berturut-turut selama periode penelitian. Metode analisis yang digunakan dalam penelitian ini adalah regresi data panel Random Effect Model. Variabel independen mampu menjelaskan varians variabel dependen ROA sebesar 98,44%, sedangkan 1,56% sisanya dijelaskan oleh faktor lain di luar model. Hasil penelitian menunjukkan CAR dan LDR tidak berpengaruh, NPL dan BOPO berpengaruh negatif signifikan dan NIM berpengaruh positif signifikan terhadap ROA perbankan swasta Nasonal. Disarankan kepada investor dan Perusahaan untuk mempertimbangkan rasio keuangan terutama NPL dan BOPO, kepada peneliti selanjutnya untuk menambahkan faktor fundamental lain dan periode pengamatan. Kata Kunci: Profitabilitas, Profitabilitas Bank, Bank Swasta, Return On Aset (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Biaya Oprasional dan Pendapatan Oprasional (BOPO) dan Loan Deposit Ratio (LDR).

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