S PEA 1001937 Table of conten
DAFTAR ISI
ABSTRAK .............................................................................................................. i
ABSTRACT ............................................................................................................ ii
KATA PENGANTAR .......................................................................................... iii
UCAPAN TERIMA KASIH ............................................................................... iv
DAFTAR ISI ......................................................................................................... vi
DAFTAR TABEL .............................................................................................. viii
DAFTAR GAMBAR ............................................................................................ ix
BAB I PENDAHULUAN
A. Latar Belakang Penelitian ...................................................................................1
B. Identifikasi Masalah Penelitian ...........................................................................6
C. Rumusan Masalah Penelitian ..............................................................................8
D. Maksud dan Tujuan Penelitian ............................................................................8
E. Manfaat Penelitian ...............................................................................................8
BAB II LANDASAN TEORI
A. Konsep Bank .....................................................................................................10
B. Fungsi Bank .......................................................................................................10
C. Jenis Bank..........................................................................................................12
D. Konsep Kredit ...................................................................................................15
1. Pengertian Kredit ...........................................................................................15
2. Fungsi Kredit .................................................................................................15
3. Unsur-Unsur Kredit .......................................................................................17
4. Jenis-Jenis Kredit ..........................................................................................19
5. Komponen-Komponen Penentuan Tingkat Kredit ........................................21
6. Prinsip-Prinsip Kredit ....................................................................................23
7. Penilaian Kualitas Kredit...............................................................................26
E. Konsep Non Performing Loan ...........................................................................27
1. Pengertian Non Performing Loan..................................................................27
2. Faktor-Faktor Non Performing Loan ............................................................28
3. Dampak Non Performing Loan .....................................................................29
4. Penyelamatan Non Performing Loan ............................................................30
F. Konsep Profitabilitas ..........................................................................................32
1. Pengertian Profitabilitas ................................................................................32
2. Jenis-Jenis Profitabilitas ................................................................................32
3. Analisis Profitabilitas ....................................................................................33
G. Pengaruh Non Performing Loan terhadap Profitabilitas ...................................36
H. Hasil Penelitian Terdahulu ................................................................................38
I. Kerangka Pemikiran ..........................................................................................39
J. Hipotesis Penelitian ............................................................................................43
BAB III METODE PENELITIAN
A. Desain Penelitian ...............................................................................................45
B. Operasionalisasi Variabel ..................................................................................45
Ikhwan Al-Shafa, 2014
(Pengaruh Non Performing Loan Terhadap Profitabilitas Pada Bank Internasional Indonesia TBK
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
C. Sumber Data Penelitian ....................................................................................47
D. Teknik Pengumpulan Data ................................................................................47
E. Analisis Data dan Pengujian Hipotesis .............................................................47
1. Analisis Data .................................................................................................47
2. Pengujian Hipotesis .......................................................................................48
BAB IV HASIL PENELITIAN DAN PEMBAHASAN
A. Tinjauan Umum Tentang Objek Penelitian .......................................................53
1. Profil Perusahaan ...........................................................................................53
2. Visi dan Misi Perusahaan ..............................................................................54
3. Layanan Bank ................................................................................................54
B. Deskripsi Hasil Penelitian .................................................................................56
1. Non Performing Loan ....................................................................................56
2.Profitabilitas Berdasarkan Return on Asset (ROA) .......................................61
C. Hasil Pengujian Hipotesis .................................................................................65
1. Uji Linearitas .................................................................................................65
2. Analisis Regresi Linear Sederhana................................................................67
3. Keberartia Regresi (Uji f) ..............................................................................68
4. Keberartian Koefisien regresi (Uji t) .............................................................69
D. Pembahasan .......................................................................................................70
BAB V SIMPULAN DAN SARAN
A. Simpulan ............................................................................................................75
B. Saran ..................................................................................................................76
DAFTAR PUSTAKA ...........................................................................................77
LAMPIRAN
Ikhwan Al-Shafa, 2014
(Pengaruh Non Performing Loan Terhadap Profitabilitas Pada Bank Internasional Indonesia TBK
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR TABEL
Tabel A.1
Tabel F.1
Tabel B.1
Tabel B.1
Tabel B.2
Tabel C.1
Tabel C.2
Tabel C.3
Tabel C.4
ROA Pada Bank Internasional Indonesia .............................................4
Standar ROA .......................................................................................35
Operasionalisasi Variabel ....................................................................45
NPL Pada Bank Internasional Indonesia 2002-2013 ..........................56
ROA Pada Bank Internasional Indonesia 2002-2013 .........................60
Tabel Pengujian Linieritas ..................................................................65
Hasil Perhitungan Regresi Linier Sederhana ......................................66
ANOVA ..............................................................................................67
Keputusan Pengujian Uji t...................................................................68
Ikhwan Al-Shafa, 2014
(Pengaruh Non Performing Loan Terhadap Profitabilitas Pada Bank Internasional Indonesia TBK
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR GAMBAR
Gambar I.1
Gambar I.2
Gambar B.1
Gambar B.2
Gambar C.1
Gambar Kerangka Pemikiran .........................................................42
Hubungan Variabel .........................................................................42
Grafik NPL Pada Bank Internasional Indonesia 2002-2013 ..........59
Grafik ROA Pada Bank INternasipnal Indonesia 2002-2013 ........63
Grafik Normal Probability Plots ....................................................64
Ikhwan Al-Shafa, 2014
(Pengaruh Non Performing Loan Terhadap Profitabilitas Pada Bank Internasional Indonesia TBK
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
ABSTRAK .............................................................................................................. i
ABSTRACT ............................................................................................................ ii
KATA PENGANTAR .......................................................................................... iii
UCAPAN TERIMA KASIH ............................................................................... iv
DAFTAR ISI ......................................................................................................... vi
DAFTAR TABEL .............................................................................................. viii
DAFTAR GAMBAR ............................................................................................ ix
BAB I PENDAHULUAN
A. Latar Belakang Penelitian ...................................................................................1
B. Identifikasi Masalah Penelitian ...........................................................................6
C. Rumusan Masalah Penelitian ..............................................................................8
D. Maksud dan Tujuan Penelitian ............................................................................8
E. Manfaat Penelitian ...............................................................................................8
BAB II LANDASAN TEORI
A. Konsep Bank .....................................................................................................10
B. Fungsi Bank .......................................................................................................10
C. Jenis Bank..........................................................................................................12
D. Konsep Kredit ...................................................................................................15
1. Pengertian Kredit ...........................................................................................15
2. Fungsi Kredit .................................................................................................15
3. Unsur-Unsur Kredit .......................................................................................17
4. Jenis-Jenis Kredit ..........................................................................................19
5. Komponen-Komponen Penentuan Tingkat Kredit ........................................21
6. Prinsip-Prinsip Kredit ....................................................................................23
7. Penilaian Kualitas Kredit...............................................................................26
E. Konsep Non Performing Loan ...........................................................................27
1. Pengertian Non Performing Loan..................................................................27
2. Faktor-Faktor Non Performing Loan ............................................................28
3. Dampak Non Performing Loan .....................................................................29
4. Penyelamatan Non Performing Loan ............................................................30
F. Konsep Profitabilitas ..........................................................................................32
1. Pengertian Profitabilitas ................................................................................32
2. Jenis-Jenis Profitabilitas ................................................................................32
3. Analisis Profitabilitas ....................................................................................33
G. Pengaruh Non Performing Loan terhadap Profitabilitas ...................................36
H. Hasil Penelitian Terdahulu ................................................................................38
I. Kerangka Pemikiran ..........................................................................................39
J. Hipotesis Penelitian ............................................................................................43
BAB III METODE PENELITIAN
A. Desain Penelitian ...............................................................................................45
B. Operasionalisasi Variabel ..................................................................................45
Ikhwan Al-Shafa, 2014
(Pengaruh Non Performing Loan Terhadap Profitabilitas Pada Bank Internasional Indonesia TBK
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
C. Sumber Data Penelitian ....................................................................................47
D. Teknik Pengumpulan Data ................................................................................47
E. Analisis Data dan Pengujian Hipotesis .............................................................47
1. Analisis Data .................................................................................................47
2. Pengujian Hipotesis .......................................................................................48
BAB IV HASIL PENELITIAN DAN PEMBAHASAN
A. Tinjauan Umum Tentang Objek Penelitian .......................................................53
1. Profil Perusahaan ...........................................................................................53
2. Visi dan Misi Perusahaan ..............................................................................54
3. Layanan Bank ................................................................................................54
B. Deskripsi Hasil Penelitian .................................................................................56
1. Non Performing Loan ....................................................................................56
2.Profitabilitas Berdasarkan Return on Asset (ROA) .......................................61
C. Hasil Pengujian Hipotesis .................................................................................65
1. Uji Linearitas .................................................................................................65
2. Analisis Regresi Linear Sederhana................................................................67
3. Keberartia Regresi (Uji f) ..............................................................................68
4. Keberartian Koefisien regresi (Uji t) .............................................................69
D. Pembahasan .......................................................................................................70
BAB V SIMPULAN DAN SARAN
A. Simpulan ............................................................................................................75
B. Saran ..................................................................................................................76
DAFTAR PUSTAKA ...........................................................................................77
LAMPIRAN
Ikhwan Al-Shafa, 2014
(Pengaruh Non Performing Loan Terhadap Profitabilitas Pada Bank Internasional Indonesia TBK
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR TABEL
Tabel A.1
Tabel F.1
Tabel B.1
Tabel B.1
Tabel B.2
Tabel C.1
Tabel C.2
Tabel C.3
Tabel C.4
ROA Pada Bank Internasional Indonesia .............................................4
Standar ROA .......................................................................................35
Operasionalisasi Variabel ....................................................................45
NPL Pada Bank Internasional Indonesia 2002-2013 ..........................56
ROA Pada Bank Internasional Indonesia 2002-2013 .........................60
Tabel Pengujian Linieritas ..................................................................65
Hasil Perhitungan Regresi Linier Sederhana ......................................66
ANOVA ..............................................................................................67
Keputusan Pengujian Uji t...................................................................68
Ikhwan Al-Shafa, 2014
(Pengaruh Non Performing Loan Terhadap Profitabilitas Pada Bank Internasional Indonesia TBK
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR GAMBAR
Gambar I.1
Gambar I.2
Gambar B.1
Gambar B.2
Gambar C.1
Gambar Kerangka Pemikiran .........................................................42
Hubungan Variabel .........................................................................42
Grafik NPL Pada Bank Internasional Indonesia 2002-2013 ..........59
Grafik ROA Pada Bank INternasipnal Indonesia 2002-2013 ........63
Grafik Normal Probability Plots ....................................................64
Ikhwan Al-Shafa, 2014
(Pengaruh Non Performing Loan Terhadap Profitabilitas Pada Bank Internasional Indonesia TBK
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu