Pengaruh Faktor Internal Terhadap Kemampulabaan Industri Perbankan di Bursa Efek Indonesia
ABSTRAK
Penelitian ini bertujuan untuk menganalisis pengaruh variabel Loan to
Deposite Ratio (LDR), Non Performing Loan (NPL), Earning asset Ratio (EAR),
Loan to Asset Ratio (LAR), Capital Adequacy Ratio (CAR), dan Net Interest
Margin (NIM) terhadap Return On Asset (ROA). Populasi yang digunakan dalam
penelitian ini adalah Perusahaan Perbankan yang terdaftar di Bursa Efek
Indonesia pada periode 2011- 2014. Dengan menggunakan metode purposive
sampling, diambil sebanyak 11 bank. Teknik analisis yang digunakan adalah
regresi linear berganda.
Hasil Penelitian ini menemukan bahwa Loan to Deposit Ratio (LDR),
Capital Adequacy Ratio (CAR) berpengaruh negatif dan signifikan terhadap ROA,
Loan to Asset Ratio (LAR), Net Interest Margin (NIM) berpengaruh positif dan
signifikan terhadap ROA sedangkan Non Performing Loan (NPL) berpengaruh
negatif dan tidak signifikan terhadap ROA dan Earning Asset Ratio (EAR)
berpengaruh positif dan tidak signifkan terhadap ROA.
Kata Kunci : LDR, NPL, EAR, LAR, CAR dan NIM
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ABSTRACT
This research aim to analyze the effect of the Loan to Deposite Ratio
(LDR), Non Performing Loan (NPL), Earning Asset Ratio (EAR), Loan to Asset
Ratio (LAR), Capital Adequacy Ratio (CAR) and Net Interest Margin (NIM) on
Return On Asset (ROA). Population used in this research is banks company
during period 2011 until 2014 listed in BEI. Purposive sampling method were
used in this research and 11 bank selected as the sample of the research. Analysis
technique used multiple linear regression analysis.
The results of this research found that Loan to Deposit Ratio (LDR), Capital
Adequacy Ratio (CAR) has significant negative effect to Return On Asset (ROA),
Loan to Asset Ratio (LAR), Net Interest Margin (NIM) has significant positive
effect to Return On Asset , Non Performing Loan (NPL) hasn’t significant
negative effect to Return On Asset and Earning Asset Ratio (EAR) hasn’t
significant positive effect to Return On Asset (ROA).
Keyword: LDR, NPL, EAR, LAR, CAR and NIM
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Penelitian ini bertujuan untuk menganalisis pengaruh variabel Loan to
Deposite Ratio (LDR), Non Performing Loan (NPL), Earning asset Ratio (EAR),
Loan to Asset Ratio (LAR), Capital Adequacy Ratio (CAR), dan Net Interest
Margin (NIM) terhadap Return On Asset (ROA). Populasi yang digunakan dalam
penelitian ini adalah Perusahaan Perbankan yang terdaftar di Bursa Efek
Indonesia pada periode 2011- 2014. Dengan menggunakan metode purposive
sampling, diambil sebanyak 11 bank. Teknik analisis yang digunakan adalah
regresi linear berganda.
Hasil Penelitian ini menemukan bahwa Loan to Deposit Ratio (LDR),
Capital Adequacy Ratio (CAR) berpengaruh negatif dan signifikan terhadap ROA,
Loan to Asset Ratio (LAR), Net Interest Margin (NIM) berpengaruh positif dan
signifikan terhadap ROA sedangkan Non Performing Loan (NPL) berpengaruh
negatif dan tidak signifikan terhadap ROA dan Earning Asset Ratio (EAR)
berpengaruh positif dan tidak signifkan terhadap ROA.
Kata Kunci : LDR, NPL, EAR, LAR, CAR dan NIM
i
2
ABSTRACT
This research aim to analyze the effect of the Loan to Deposite Ratio
(LDR), Non Performing Loan (NPL), Earning Asset Ratio (EAR), Loan to Asset
Ratio (LAR), Capital Adequacy Ratio (CAR) and Net Interest Margin (NIM) on
Return On Asset (ROA). Population used in this research is banks company
during period 2011 until 2014 listed in BEI. Purposive sampling method were
used in this research and 11 bank selected as the sample of the research. Analysis
technique used multiple linear regression analysis.
The results of this research found that Loan to Deposit Ratio (LDR), Capital
Adequacy Ratio (CAR) has significant negative effect to Return On Asset (ROA),
Loan to Asset Ratio (LAR), Net Interest Margin (NIM) has significant positive
effect to Return On Asset , Non Performing Loan (NPL) hasn’t significant
negative effect to Return On Asset and Earning Asset Ratio (EAR) hasn’t
significant positive effect to Return On Asset (ROA).
Keyword: LDR, NPL, EAR, LAR, CAR and NIM
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