SARI, MERY PUSPITA (2019) ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NON PERFORMING LOAN (Studi Kasus pada Bank Umum Konvensional yang Go Public di Indonesia Periode 2012-2015). S1 thesis, Universitas Mercu Buana.
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Abstract
This study aims to determine the influence of Capital Adequacy Ratio (CAR) Loan to Deposit Ratio (LDR), Return On Assets (ROA) and Operational Cost (BOPO) towards Non Performing Loan (NPL) of banking companies. This research used Non Performing Loan (NPL) as dependent variable and Capital Adequacy Ratio (CAR) Loan to Deposit Ratio (LDR), Return On Assets (ROA) and Operational Expenses to Operating Income (BOPO) as independent variables. The data used in this research is secondary data refers to all the conventional commercial bank to go public in Indonesia Stock Exchange. Based on the existing criteria, obtained 29 banking companies in the research samples during the period 2012-2015. Based on the research, the result of Capital Adequacy Ratio (CAR) has negative contribution to NPL but the contribution is low at -0.086 (8.6%). Loan to Deposit Ratio (LDR) has a very low positive contribution or influence to NPL of 0.006 (0.6%). and Operational Expenses to Operating Income (BOPO) have a very low positive contribution and influence of 0,024 (0,2%) indicate that those variables have no significant effect to Non Performing Loan (NPL), while Return On Assets (ROA) have negative contribution and influence with medium scale to NPL that is equal to -0,491 (49,1%). shows that ROA has a significant negative effect on Non Performing Loan (NPL) in banking companies. Keyword: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return On Assets (ROA), Operating Expenses to Operating Income (BOPO) and Non Performing Loan (NPL) Penelitian ini untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return On Assets (ROA) dan Beban Operasional terhadap Pendapatan Orepasional (BOPO) terhadap Non Performing Loan (NPL) pada perusahaan perbankan. Dalam penelitian ini menggunakan Non Performing Loan (NPL) sebagai variabel dependen dan Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return On Assets (ROA) dan Beban Operasional terhadap Pendapatan Operasional (BOPO) sebagai variabel independen. Data yang digunakan dalam penelitian ini adalah data sekunder dengan merujuk pada semua Bank Umum Konvensional yang go public di Bursa Efek Indonesia. Berdasarkan kriteria yang ada, didapatkan 29 perusahaan perbankan yang menjadi populasi dalam penelitian selama periode 2012-2015. Berdasarkan penelitian yang dilakukan diperoleh hasil antara lain: Capital Adequacy Ratio (CAR) memiliki kontribusi yang berpengaruh negatif terhadap NPL akan tetapi kontribusi tersebut rendah sebesar -0,086 (8,6%). Loan to Deposit Ratio (LDR) memiliki kontribusi atau pengaruh positif yang sangat rendah terhadap NPL sebesar 0,006 (0,6%). dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) memiliki kontribusi dan pengaruh positif yang sangat rendah sebesar 0,024 (0,2%) menunjukkan bahwa variabel-variabel tersebut tidak berpengaruh secara signifikan terhadap Non Performing Loan (NPL), sedangkan Return On Assets (ROA) memiliki kontribusi dan pengaruh negatif dengan besaran sedang terhadap NPL yaitu sebesar -0,491 (49,1%). menunjukkan bahwa ROA berpengaruh negatif signifikan terhadap Non Performing Loan (NPL) pada perusahaan perbankan. Kata kunci : Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return On Assets (ROA), Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Non Performing Loan (NPL)
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