t mmb 0907878 table of contents
DAFTAR ISI
Halaman
LEMBAR PENGESAHAN .. ...............................................................................................
i
LEMBAR PERNYATAAN .. ............................................................................................... iii
LEMBAR PERSEMBAHAN ............................................................................................... iv
ABSTRAK ............................ ...............................................................................................
v
ABSTRACT .......................... ............................................................................................... vi
KATA PENGANTAR .......... ............................................................................................... vii
UCAPAN TERIMAKASIH .. ............................................................................................... viii
DAFTAR ISI ......................... ............................................................................................... xi
DAFTAR TABEL ................. ............................................................................................... xv
DAFTAR GAMBAR ............ ............................................................................................... xvi
DAFTAR LAMPIRAN ......... ............................................................................................... xvii
BAB I PENDAHULUAN ..... ..............................................................................................
1
1.1 Latar Belakang Masalah ....................................................................................
1
1.2. Rumusan Masalah ..............................................................................................
6
1.3 Tujuan Penelitian ...............................................................................................
7
BAB II KAJIAN PUSTAKA ...............................................................................................
9
2.1 Konsep Bank ....... ...............................................................................................
9
2.1.1 Pengertian Bank........................................................................................
9
2.1.2 Klasifikasi Bank ....................................................................................... 10
2.1.3 Fungsi dan Peranan Perbankan ................................................................. 12
2.1.4 Kegiatan Perbankan .................................................................................. 13
xi
2.1.5 Kegiatan Usaha Bank Umum ................................................................... 14
2.2 Capital Adequacy Ratio ..................................................................................... 16
2.3 Efisiensi Operasi ............................................................................................... 20
2.4 Non Performing Loan ....................................................................................... 21
2.5 Net Interest Margin .......................................................................................... 24
2.6 Loan to Deposit Ratio ....................................................................................... 27
2.7 Pertumbuhan Kredit .......................................................................................... 29
2.7.1 Pengertian Kredit ..................................................................................... 29
2.7.2 Jenis-jenis Kredit ..................................................................................... 32
2.8.3 Fungsi Kredit ........................................................................................... 34
2.8 Pertumbuhan Laba ............................................................................................. 35
2.8.1 Pengertian dan Karakteristik Laba ........................................................... 35
2.8.2 Faktor-faktor yang Mempengaruhi Laba.................................................. 37
2.8.3 Analisis Pertumbuhan Laba ...................................................................... 38
2.9 Penelitian Terdahulu ......................................................................................... 39
2.10 Kerangka Pemikiran ........................................................................................ 42
2.11 Hipotesis Penelitian ......................................................................................... 43
BAB III OBJEK DAN METODE PENELITIAN ............................................................... 45
3.1 Objek Penelitian . ............................................................................................... 45
3.2 Metode Penelitian .............................................................................................. 45
3.3 Operasionalisasi Variabel .................................................................................. 46
3.4 Sampel dan Populasi Data.................................................................................. 47
3.5 Metode Pengumpulan Data ............................................................................... 48
3.6. Teknik Analisis Data .......................................................................................... 48
BAB IV HASIL PENELITIAN DAN PEMBAHASAN ..................................................... 61
4.1 Gambaran Umum Perkembangan Kredit Konsumsi di Indonesia.................... 61
4.2 Hasil Penelitian dan Pembahasan ..................................................................... 66
4.2.1 Analisis Deskriptif .................................................................................. 67
4.2.1.1 Capital Adequacy Ratio .............................................................. 67
4.2.1.2 Efisiensi Operasi (BOPO) .......................................................... 68
4.2.1.3 Non Performing Loan ................................................................. 69
4.2.1.4 Net Interest Margin .................................................................... 71
4.2.1.5 Loan to Deposit Ratio ................................................................. 73
4.2.1.6 Pertumbuhan Kredit .................................................................... 75
4.2.1.7 Pertumbuhan Laba Bank ............................................................ 77
4.2.2 Pengujian Asumsi Klasik ......................................................................... 78
4.2.3 Pengujian Hipotesis .................................................................................. 81
4.3 Pembahasan Hasil Penelitian ............................................................................ 85
4.3.1 Pengaruh CAR, BOPO, NPL, NIM, dan LDR terhadap
Pertumbuhan Kredit .................................................................................. 85
4.3.2 Pengaruh CAR, BOPO, NPL, NIM, dan LDR terhadap
Pertumbuhan Kredit serta Implikasinya pada Pertumbuhan Laba
Bank ........ ............................................................................................... 93
BAB V KESIMPULAN DAN REKOMENDASI ............................................................... 103
5.1 Kesimpulan ........ ............................................................................................... 103
5.2 Rekomendasi .... ............................................................................................... 104
DAFTAR PUSTAKA ........... ............................................................................................... 106
DAFTAR TABEL
Halaman
TABEL 3.1 Operasionalisasi Variabel ................................................................................. 46
TABEL 3.2 Rumusan Hipotesis Penelitian........................................................................... 58
TABEL 4.1 Perkembangan Indikator-indikator Perbankan Tahun 2001-2004 .................... 62
TABEl 4.2 Perkembangan Suku Bunga, NIM, dan ROA Perbankan di Indonesia ............. 64
DAFTAR GAMBAR
Halaman
Gambar 2.1 Paradigma Pemikiran ........................................................................................ 58
Gambar 3.1 Prosedur Pengujian Model Analisis Jalur ........................................................ 62
Gambar 3.2 Struktur Model Penelitian ................................................................................ 50
Gambar 3.3 Statistik d Durbin-Watson(DW) ...................................................................... 55
Gambar 4.1 Konsentrasi Aset 10 Bank Terbesar ................................................................. 65
Gambar 4.2 Perkembangan CAR BNI, BRI, BTN, MANDIRI ........................................... 68
Gambar 4.3 Perkembangan BOPO BNI, BRI, BTN, MANDIRI ........................................ 69
Gambar 4.4 Perkembangan NPL BNI, BRI, BTN, MANDIRI ........................................... 70
Gambar 4.5 Perkembangan NIM BNI, BRI, BTN, MANDIRI ........................................... 72
Gambar 4.6 Perkembangan LDR BNI, BRI, BTN, MANDIRI ........................................... 74
Gambar 4.7 Perkembangan Pertumbuhan Kredit BNI, BRI, BTN, MANDIRI .................. 76
Gambar 4.8 Perkembangan Pertumbuhan Laba BNI, BRI, BTN, MANDIRI..................... 77
Gambar 4.9 Struktur hubungan kausal X1, X2, X3, X4, X5, dan Y1.................................. 81
Gambar 4.10 Struktur hubungan kausal X1, X2, X3, X4, X5, Y1 dan Y2 ........................... 83
Gambar 4.11 Struktur hubungan kausal X2, X3 dan Y2 ...................................................... 85
Halaman
LEMBAR PENGESAHAN .. ...............................................................................................
i
LEMBAR PERNYATAAN .. ............................................................................................... iii
LEMBAR PERSEMBAHAN ............................................................................................... iv
ABSTRAK ............................ ...............................................................................................
v
ABSTRACT .......................... ............................................................................................... vi
KATA PENGANTAR .......... ............................................................................................... vii
UCAPAN TERIMAKASIH .. ............................................................................................... viii
DAFTAR ISI ......................... ............................................................................................... xi
DAFTAR TABEL ................. ............................................................................................... xv
DAFTAR GAMBAR ............ ............................................................................................... xvi
DAFTAR LAMPIRAN ......... ............................................................................................... xvii
BAB I PENDAHULUAN ..... ..............................................................................................
1
1.1 Latar Belakang Masalah ....................................................................................
1
1.2. Rumusan Masalah ..............................................................................................
6
1.3 Tujuan Penelitian ...............................................................................................
7
BAB II KAJIAN PUSTAKA ...............................................................................................
9
2.1 Konsep Bank ....... ...............................................................................................
9
2.1.1 Pengertian Bank........................................................................................
9
2.1.2 Klasifikasi Bank ....................................................................................... 10
2.1.3 Fungsi dan Peranan Perbankan ................................................................. 12
2.1.4 Kegiatan Perbankan .................................................................................. 13
xi
2.1.5 Kegiatan Usaha Bank Umum ................................................................... 14
2.2 Capital Adequacy Ratio ..................................................................................... 16
2.3 Efisiensi Operasi ............................................................................................... 20
2.4 Non Performing Loan ....................................................................................... 21
2.5 Net Interest Margin .......................................................................................... 24
2.6 Loan to Deposit Ratio ....................................................................................... 27
2.7 Pertumbuhan Kredit .......................................................................................... 29
2.7.1 Pengertian Kredit ..................................................................................... 29
2.7.2 Jenis-jenis Kredit ..................................................................................... 32
2.8.3 Fungsi Kredit ........................................................................................... 34
2.8 Pertumbuhan Laba ............................................................................................. 35
2.8.1 Pengertian dan Karakteristik Laba ........................................................... 35
2.8.2 Faktor-faktor yang Mempengaruhi Laba.................................................. 37
2.8.3 Analisis Pertumbuhan Laba ...................................................................... 38
2.9 Penelitian Terdahulu ......................................................................................... 39
2.10 Kerangka Pemikiran ........................................................................................ 42
2.11 Hipotesis Penelitian ......................................................................................... 43
BAB III OBJEK DAN METODE PENELITIAN ............................................................... 45
3.1 Objek Penelitian . ............................................................................................... 45
3.2 Metode Penelitian .............................................................................................. 45
3.3 Operasionalisasi Variabel .................................................................................. 46
3.4 Sampel dan Populasi Data.................................................................................. 47
3.5 Metode Pengumpulan Data ............................................................................... 48
3.6. Teknik Analisis Data .......................................................................................... 48
BAB IV HASIL PENELITIAN DAN PEMBAHASAN ..................................................... 61
4.1 Gambaran Umum Perkembangan Kredit Konsumsi di Indonesia.................... 61
4.2 Hasil Penelitian dan Pembahasan ..................................................................... 66
4.2.1 Analisis Deskriptif .................................................................................. 67
4.2.1.1 Capital Adequacy Ratio .............................................................. 67
4.2.1.2 Efisiensi Operasi (BOPO) .......................................................... 68
4.2.1.3 Non Performing Loan ................................................................. 69
4.2.1.4 Net Interest Margin .................................................................... 71
4.2.1.5 Loan to Deposit Ratio ................................................................. 73
4.2.1.6 Pertumbuhan Kredit .................................................................... 75
4.2.1.7 Pertumbuhan Laba Bank ............................................................ 77
4.2.2 Pengujian Asumsi Klasik ......................................................................... 78
4.2.3 Pengujian Hipotesis .................................................................................. 81
4.3 Pembahasan Hasil Penelitian ............................................................................ 85
4.3.1 Pengaruh CAR, BOPO, NPL, NIM, dan LDR terhadap
Pertumbuhan Kredit .................................................................................. 85
4.3.2 Pengaruh CAR, BOPO, NPL, NIM, dan LDR terhadap
Pertumbuhan Kredit serta Implikasinya pada Pertumbuhan Laba
Bank ........ ............................................................................................... 93
BAB V KESIMPULAN DAN REKOMENDASI ............................................................... 103
5.1 Kesimpulan ........ ............................................................................................... 103
5.2 Rekomendasi .... ............................................................................................... 104
DAFTAR PUSTAKA ........... ............................................................................................... 106
DAFTAR TABEL
Halaman
TABEL 3.1 Operasionalisasi Variabel ................................................................................. 46
TABEL 3.2 Rumusan Hipotesis Penelitian........................................................................... 58
TABEL 4.1 Perkembangan Indikator-indikator Perbankan Tahun 2001-2004 .................... 62
TABEl 4.2 Perkembangan Suku Bunga, NIM, dan ROA Perbankan di Indonesia ............. 64
DAFTAR GAMBAR
Halaman
Gambar 2.1 Paradigma Pemikiran ........................................................................................ 58
Gambar 3.1 Prosedur Pengujian Model Analisis Jalur ........................................................ 62
Gambar 3.2 Struktur Model Penelitian ................................................................................ 50
Gambar 3.3 Statistik d Durbin-Watson(DW) ...................................................................... 55
Gambar 4.1 Konsentrasi Aset 10 Bank Terbesar ................................................................. 65
Gambar 4.2 Perkembangan CAR BNI, BRI, BTN, MANDIRI ........................................... 68
Gambar 4.3 Perkembangan BOPO BNI, BRI, BTN, MANDIRI ........................................ 69
Gambar 4.4 Perkembangan NPL BNI, BRI, BTN, MANDIRI ........................................... 70
Gambar 4.5 Perkembangan NIM BNI, BRI, BTN, MANDIRI ........................................... 72
Gambar 4.6 Perkembangan LDR BNI, BRI, BTN, MANDIRI ........................................... 74
Gambar 4.7 Perkembangan Pertumbuhan Kredit BNI, BRI, BTN, MANDIRI .................. 76
Gambar 4.8 Perkembangan Pertumbuhan Laba BNI, BRI, BTN, MANDIRI..................... 77
Gambar 4.9 Struktur hubungan kausal X1, X2, X3, X4, X5, dan Y1.................................. 81
Gambar 4.10 Struktur hubungan kausal X1, X2, X3, X4, X5, Y1 dan Y2 ........................... 83
Gambar 4.11 Struktur hubungan kausal X2, X3 dan Y2 ...................................................... 85