NANO, MUHAMAD (2019) PENGARUH CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN RATIO, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL RASIO, LOAN TO DEPOSIT RATIO DAN NET INTEREST MARGIN RATIO TERHADAP RETURN ON ASSET (Studi Empiris Bank Dalam Negeri yang Terdaftar di Bursa Efek Indonesia Pada Tahun 2013 – 2017). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study aims to analyze the effect of the Capital Adequacy Ratio(CAR), Non Performing Loan Ratio (NPL), Operating Expenses to Operating Income Ratio (BOPO), Loan to Deposit Ratio (LDR) and, Net Interest Margin Ratio (NIM), to the Banking Profitability (ROA) at the public bank registered at the Indonesia Stock Exchange (BEI) from 2013-2017. The number of samples used were 28 general bank registered at the Indonesia Stock Exchange , the sample in this analyze was taken by purposive sampling method with certain criteria which the banking companies which belong to commercial banks listed on the Indonesia Stock Exchange and maximal at the beginning of the years 2017 has been listed on the indonesia Stock Exchange, as well as bank that have published their financial statements in the year 2013-2017. There were two variables discussed; they are ROA as the dependent variable and CAR, NPL, BOPO, LDR and NIM as the independent variables. The method used in this research is to use multiple regression analysis to test the hypothesis that the t test and F test Before using multiple regression analysis, performed classical assumption first. The Result of the study showed that (1) CAR have not significant effect to ROA, (2) NPL have not significant effect to ROA, (3) BOPO have not significant effect to ROA, (4) LDR have significant positive affect to ROA, and (5)NIM have significant positive affect to ROA. Keywords: CAR, NPL, BOPO, LDR, NIM, and ROA Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan Ratio (NPL), Biaya Operasional Pendapatan Operasional Rasio (BOPO), Loan To Deposit Ratio (LDR), dan Net Interest Margin Rasio (NIM) terhadap return on assets (ROA) pada bank umum yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2013-2017. Sampel yang digunakan adalah 28 bank umum yang terdaftar di BEI, sampel penelitian diambil secara purposive sampling dengan kriteria tertentu yaitu perusahaan perbankan tergolong dalam bank yang terdaftar di Bursa Efek Indonesia dan makmimal pada awal tahun 2017 telah terdaftar di Bursa Efek Indonesia, serta bank yang telah mempublikasikan laporan keuangannya pada tahun 2013-2017. Ada dua variabel yang diangkat yaitu; ROA sebagai variabel terikat dan rasio keuangan (CAR, NPL, BOPO, LDR dan NIM) sebagai variabel bebas. Metode yang digunakan dalam penelitian ini adalah dengan menggunakan analisis regresi berganda dengan uji hipotesis yaitu uji t dan uji F. Sebelum menggunakan analisis regresi berganda, dilakukan uji asumsi klasik dahulu. Hasil penelitian menunjukkan (1) CAR tidak mempunyai pengaruh yang signifikan terhadap ROA (2) NPL tidak mempunyai pengaruh yang signifikan terhadap ROA (3) BOPO tidak mempunyai pengaruh yang signifikan terhadap ROA (4) LDR mempunyai pengaruh signifikan positif terhadap ROA dan (5) NIM mempunyai pengaruh signifikan positif terhadap ROA. Kata Kunci: CAR, NPL, BOPO, LDR, NIM dan ROA
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