KIAM, LIE TUNG (2018) ANALISIS PENGARUH RASIO KEUANGAN TERHADAP PROFITABILITAS PERBANKAN (STUDI KASUS PT. BANK SAHABAT SAMPOERNA). S2 thesis, Universitas Mercu Buana.
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Abstract
This study aims to examine dan analyze the effect of financial ratios include Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Operating Expense to Operating Income (OEOI) to profitability in this case the ratio used is Return on Assets (ROA). Research data is Monthly for eight (8) year research period (January 2010 until December 2017). Population used case study at PT. Bank Sahabat Sampoerna. The method of analysis used in this study is multiple linear regression. The results showed that CAR and OEOI are having negative significant influence to ROA. NPL and NIM are having positive but not significant influence to ROA. LDR has positive significant influence to ROA. In future, the bank must manage their CAR and OEOI in order to increase profit. The bank must also maintain all ratio according to the standard provided by Bank Indonesia for assesment of banking health level. Keywords: Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Operating Expense to Operating Income (OEOI), financial perfomance, risk base banking rating., Profitabilitas, Return on Assets (ROA). Penelitian ini bertujuan menguji dan menganalisis pengaruh rasio keuangan meliputi Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Beban Operasional terhadap Pendapatan Operasional (BOPO) terhadap profitabilitas dalam hal ini rasio yang digunakan adalah Return on Assets (ROA). Data penelitian merupakan data bulanan untuk periode penelitian 8 tahun (Januari 2010 sampai dengan Desember 2017). Populasi menggunakan studi kasus pada PT. Bank Sahabat Sampoerna. Metode Analisis yang digunakan dalam penelitian ini adalah regresi linier berganda. Hasil penelitian menunjukkan bahwa CAR dan BOPO berpengaruh negatif dan signifikan terhadap ROA. NPL dan NIM berpengaruh positif namun tidak signifikan terhadap ROA. LDR berpengaruh positif dan signifikan terhadap ROA. Perbankan harus menjaga CAR dan BOPO agar dapat meningkatkan keuntungan ke depan. Perbankan juga harus menjaga semua rasio sesuai dengan standar yang diberikan oleh Bank Indonesia untuk tingkat kesehatan perbankan. Kata Kunci: Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Beban Operasional terhadap Pendapatan Operasional (BOPO), kinerja keuangan, kesehatan perbankan, Profitabilitas, Return on Assets (ROA).
| Item Type: | Thesis (S2) |
|---|---|
| Call Number CD: | CDT-551-18-136 |
| Call Number: | MKU/2018 |
| NIM/NIDN Creators: | 55113120065 |
| Uncontrolled Keywords: | keuangan, ratio, bank, profit, margin |
| Subjects: | 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 658 General Management/Manajemen Umum > 658.1 Organizations/Manajemen Organisasi |
| Divisions: | Pascasarjana > Magister Manajemen |
| Depositing User: | Rokhyudi |
| Date Deposited: | 03 Sep 2018 03:18 |
| Last Modified: | 07 Jul 2022 06:29 |
| URI: | http://repository.mercubuana.ac.id/id/eprint/44376 |
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