IMPACT OF CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO AND OPERATING EXPENSE TO OPERATING INCOME ON RETURN ON ASSET (Case study at State-Owned Bank listed at Indonesia Stock Exchange 2012-2016)

RAHMA, NIKEN ADELIA (2019) IMPACT OF CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO AND OPERATING EXPENSE TO OPERATING INCOME ON RETURN ON ASSET (Case study at State-Owned Bank listed at Indonesia Stock Exchange 2012-2016). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

This research aims is to know the impact of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operating Expense to Operating Income (OEOE) on Return on Asset (ROA) at State-Owned Bank in 2012 – 2016. This type of research is causal associative, that is research looks for causal relationship between independent variable (X) and dependent variable (Y). The data used is secondary data. The sample used in this study is State-Owned Banks listed on Indonesia Stock Exchange (IDX), namely, BBNI, BBRI, BBTN and BMRI. Hypothesis testing in this research is using data panel regression model. The results of this study indicate that partially, CAR and BOPO have negative and significant impact on ROA. While LDR has negative but no significant impact on ROA. Simultaneously, CAR, LDR and OEOI have significant impact on ROA. Keywords: ROA, CAR, LDR, OEOI, State-Owned Bank Penelitian ini bertujuan untuk mengetahui pengaruh dari Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return on Asset (ROA) pada Bank Umum Milik Negara periode 2012 – 2016. Jenis penelitian ini adalah asosiatif kausal yang berarti penelitian yang mencari hubungan sebab akibat antara variabel bebas (X) dan variabel terikat (Y). Data yang digunakan adalah data sekunder. Sampel yang digunakan dalam penelitian ini adalah Bank Umum Milik Negara yang terdaftar di Bursa Efek Indonesia (BEI) yaitu, BBNI, BBRI, BBTN dan BMRI. Uji hipotesis dalam penelitian ini menggunakan model regresi data panel. Hasil dari penelitian ini menunjukkan secara parsial, CAR dan BOPO berpengaruh negatif dan signifikan terhadap ROA. Sementara LDR berpengaruh negatif tapi tidak signifikan terhadap ROA. Secara simultan, CAR, LDR dan BOPO berpengaruh signifikan terhadap ROA. Kata kunci: ROA, CAR, LDR, BOPO, Bank Umum Milik Negara

Item Type: Thesis (S1)
Call Number: SE/I/31/18/006
NIM: 43114010053
Uncontrolled Keywords: ROA, CAR, LDR, BOPO, Bank Umum Milik Negara
Subjects: 200 Religion/Agama > 290 Other Religions/Agama Selain Kristen > 297 Agama Islam/Islam > 297.4 Islamic law/Hukum Islam > 297.43 Muamalat/Muamalat > 297.433 Lease, Borrow-borrow, Labor, Bank, Usury, Insurance/Sewa-menyewa; Pinjam-meminjam; Perburuhan; Bank; Riba; Asuransi
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.1 Banks/Bank, Perbankan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.2 Specialized Banking Institutions/Institusi Perbankan Khusus
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.8 Interest and Discount/Bunga Bank dan Diskon
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian > 334.2 Banking and Credit Cooperatives/Koperasi Perbankan dan Kredit
Divisions: Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User: Dede Muksin Lubis
Date Deposited: 11 Mar 2019 03:07
Last Modified: 11 Mar 2019 03:07
URI: http://repository.mercubuana.ac.id/id/eprint/47842

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