S PEA 1006386 Table of content
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR ISI
KATA PENGANTAR .................................................................................... i
UCAPAN TERIMA KASIH ......................................................................... ii
ABSTRAK ...................................................................................................... iv
ABSTRACT .................................................................................................... v
DAFTAR ISI................................................................................................... vi
DAFTAR TABEL .......................................................................................... ix
DAFTAR GAMBAR ...................................................................................... x
BAB I PENDAHULUAN
A. ......................................................................................................... Latar
Belakang ................................................................................................. 1
B. ......................................................................................................... Identi
fikasi Masalah ......................................................................................... 8
C. ......................................................................................................... Rum
usan Masalah .......................................................................................... 11
D. ......................................................................................................... Maks
ud Dan Tujuan Penelitian ....................................................................... 11
E........................................................................................................... Kegu
naan Penelitian ........................................................................................ 12
BAB II LANDASAN TEORI
A. ......................................................................................................... Land
asan Teori ............................................................................................... 13
1................................................................................................... Bank
.......................................................................................................... 13
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
2................................................................................................... Fung
si Bank .............................................................................................. 16
3................................................................................................... Penil
aian Tingkat Kesehatan Bank ........................................................... 18
4................................................................................................... Kuali
tas Aktiva Produktif .......................................................................... 19
5................................................................................................... Kredi
t ........................................................................................................ 20
a. ........................................................................................... Peng
ertian Kredit ................................................................................ 20
b. ........................................................................................... Unsu
r-Unsur Kredit ............................................................................. 21
c. ........................................................................................... Tujua
n Dan Fungsi Kredit.................................................................... 23
d. ........................................................................................... Jenis
Kredit .......................................................................................... 26
e. ........................................................................................... Risik
o Kredit ....................................................................................... 29
f. ............................................................................................ Anali
sis Kredit ..................................................................................... 30
6................................................................................................... Sumb
er Dana Bank .................................................................................... 33
7................................................................................................... Dana
Pihak Ketiga ..................................................................................... 33
a. ........................................................................................... Simp
anan Giro (Demand Deposit) ...................................................... 34
b. ........................................................................................... Simp
anan Tabungan (Saving Deposit)................................................ 35
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
c. ........................................................................................... Simp
anan Deposito (Time Deposito) .................................................. 36
7................................................................................................... Non
Performing Loan (NPL) .................................................................. 37
8................................................................................................... Peng
aruh Dana Pihak Ketiga Terhadap Penyaluran Kredit .................... 42
9................................................................................................... Peng
aruh Non Performing Loan Terhadap Penyaluran Kredit ............... 43
B. ......................................................................................................... Hasil
Penelitian Terdahulu ............................................................................... 44
C. ......................................................................................................... Kera
ngka Pemikiran ....................................................................................... 46
D. ......................................................................................................... Hipot
esis .......................................................................................................... 50
BAB III METODE PENELITIAN
A. ......................................................................................................... Desai
n Penelitian ............................................................................................ 51
B. ......................................................................................................... Oper
asional Variabel ...................................................................................... 51
C. ......................................................................................................... Popul
asi Dan Sampel ....................................................................................... 53
D. ......................................................................................................... Tekni
k Pengumpulan Data ............................................................................... 56
E........................................................................................................... Tekni
k Analisis Data Dan Pengujian Hipotesis ............................................... 57
1................................................................................................... Uji
Asumsi Klasik ................................................................................. 57
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
a. ........................................................................................... Uji
Linearitas .................................................................................. 57
b. ........................................................................................... Uji
Multikolinieritas ....................................................................... 59
c. ........................................................................................... Uji
Heterokedasitas ........................................................................ 60
2................................................................................................... Uji
Hipotesis .......................................................................................... 60
a. ........................................................................................... Anali
sis Regresi Linear Ganda .......................................................... 60
b. ........................................................................................... Uji F
(Uji Keberartian Regresi) ......................................................... 61
c. ........................................................................................... Uji t
(Uji Keberartian Koefisien Regresi)......................................... 63
BAB IV HASIL PENELITIAN DAN PEMBAHASAN
A. ......................................................................................................... Tinja
uan Umum Objek Penelitian................................................................... 65
B. ......................................................................................................... Desk
ripsi Hasil Penelitian............................................................................... 69
1................................................................................................... Desk
ripsi Dana Pihak Ketiga ................................................................... 69
2................................................................................................... Desk
ripsi Non Performing Loan.............................................................. 72
3................................................................................................... Desk
ripsi Penyaluran Kredit .................................................................... 75
C. ......................................................................................................... Peng
ujian Hipotesis Penelitian ....................................................................... 78
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
1................................................................................................... Uji
Asumsi Klasik ................................................................................. 79
a. ........................................................................................... Uji
Linieritas .................................................................................. 79
b. ........................................................................................... Uji
Multikolinearitas ...................................................................... 80
c. ........................................................................................... Uji
Heterokedastisitas .................................................................... 81
2................................................................................................... Uji
Hipotesis .......................................................................................... 82
a. ........................................................................................... Anali
sis Regresi Linear Multiple ...................................................... 82
b. ........................................................................................... Uji F
(Uji Keberartian Regresi) ......................................................... 83
c. ........................................................................................... Uji t
(Uji Keberartian Koefisien Regresi) ........................................ 85
D. ......................................................................................................... Pemb
ahasan ..................................................................................................... 87
BAB V KESIMPULAN DAN SARAN
A. ......................................................................................................... Kesi
mpulan .................................................................................................... 90
B. ......................................................................................................... Saran
................................................................................................................ 91
DAFTAR PUSTAKA ..................................................................................... 92
LAMPIRAN-LAMPIRAN ............................................................................ 95
RIWAYAT HIDUP
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR TABEL
Tabel 1.1
Jumlah Pendapatan Fee Base Income Dan Pendapatan Atas
Penyaluran Kredit Pada Bank Yang Go Public Di Bursa Efek
Indonesia (BEI)2013 .......................................................................... 3
Tabel 1.2
Jumlah Penyaluran Kredit Bank Yang Go Public Di Bursa
Efek Indonesia (BEI)2013 ................................................................. 5
Tabel 2.1
Penelitian Terdahulu .......................................................................... 45
Tabel 3.1
Operasionalisasi Variabel .................................................................. 53
Tabel 3.2
Daftar Perusahaan Perbankan Yang Terdaftar Di Bursa Efek
Indonesia (Populasi) .......................................................................... 54
Tabel 3.3
Sampel Perusahaan Perbankan Yang Terdaftar Di Bursa Efek
Indonesia ............................................................................................ 55
Tabel 4.1
Profil Perusahaan Yang Menjadi Objek Penelitian Tahun
2013 ................................................................................................... 65
Tabel 4.2
Perkembangan Dana Pihak Ketiga Pada Bank Yang Go
Public Di Bursa Efek Indonesia Tahun 2013 ................................... 70
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
Tabel 4.3
Perkembangan Non Performing Loan Pada Bank Yang Go
Public Di Bursa Efek Indonesia Tahun 2013 .................................... 73
Tabel 4.4
Perkembangan Penyaluran Kredit Pada Bank Yang Go
Public Di Bursa Efek Indonesia Tahun 2013 .................................... 76
Tabel 4.5
Tabel Pengujian Linearitas ................................................................ 79
Tabel 4.6
Uji Multikolinieritas Data .................................................................. 80
Tabel 4.7
Hasil Perhitungan Regresi Linier Multiple ........................................ 82
Tabel 4.8
ANOVA ............................................................................................. 84
Tabel 4.9
Hasil Pengujian Keberartian Koefisien Regresi (Uji t) ..................... 85
Tabel 4.10 Keputusan Pengujian Uji t ................................................................. 86
DAFTAR GAMBAR
Gambar 2.1 Hubungan Antara Variabel Penelitian ............................................... 49
Gambar 4.1 Grafik Perkembangan Dana Pihak Ketiga Pada Bank Yang
Go Public Di Bursa Efek Indonesia Tahun 2013 .............................. 71
Gambar 4.2 Grafik Perkembangan Non Performing Loan Pada Bank
Yang Go Public Di Bursa Efek Indonesia Tahun 2013 ..................... 74
Gambar 4.3 Grafik Perkembangan Penyaluran Kredit Pada Bank Yang
Go Public Di Bursa Efek Indonesia Tahun 2013 .............................. 77
Gambar 4.4 Grafik Scatter Plot (Uji Heterokedastisitas) ...................................... 81
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR ISI
KATA PENGANTAR .................................................................................... i
UCAPAN TERIMA KASIH ......................................................................... ii
ABSTRAK ...................................................................................................... iv
ABSTRACT .................................................................................................... v
DAFTAR ISI................................................................................................... vi
DAFTAR TABEL .......................................................................................... ix
DAFTAR GAMBAR ...................................................................................... x
BAB I PENDAHULUAN
A. ......................................................................................................... Latar
Belakang ................................................................................................. 1
B. ......................................................................................................... Identi
fikasi Masalah ......................................................................................... 8
C. ......................................................................................................... Rum
usan Masalah .......................................................................................... 11
D. ......................................................................................................... Maks
ud Dan Tujuan Penelitian ....................................................................... 11
E........................................................................................................... Kegu
naan Penelitian ........................................................................................ 12
BAB II LANDASAN TEORI
A. ......................................................................................................... Land
asan Teori ............................................................................................... 13
1................................................................................................... Bank
.......................................................................................................... 13
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
2................................................................................................... Fung
si Bank .............................................................................................. 16
3................................................................................................... Penil
aian Tingkat Kesehatan Bank ........................................................... 18
4................................................................................................... Kuali
tas Aktiva Produktif .......................................................................... 19
5................................................................................................... Kredi
t ........................................................................................................ 20
a. ........................................................................................... Peng
ertian Kredit ................................................................................ 20
b. ........................................................................................... Unsu
r-Unsur Kredit ............................................................................. 21
c. ........................................................................................... Tujua
n Dan Fungsi Kredit.................................................................... 23
d. ........................................................................................... Jenis
Kredit .......................................................................................... 26
e. ........................................................................................... Risik
o Kredit ....................................................................................... 29
f. ............................................................................................ Anali
sis Kredit ..................................................................................... 30
6................................................................................................... Sumb
er Dana Bank .................................................................................... 33
7................................................................................................... Dana
Pihak Ketiga ..................................................................................... 33
a. ........................................................................................... Simp
anan Giro (Demand Deposit) ...................................................... 34
b. ........................................................................................... Simp
anan Tabungan (Saving Deposit)................................................ 35
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
c. ........................................................................................... Simp
anan Deposito (Time Deposito) .................................................. 36
7................................................................................................... Non
Performing Loan (NPL) .................................................................. 37
8................................................................................................... Peng
aruh Dana Pihak Ketiga Terhadap Penyaluran Kredit .................... 42
9................................................................................................... Peng
aruh Non Performing Loan Terhadap Penyaluran Kredit ............... 43
B. ......................................................................................................... Hasil
Penelitian Terdahulu ............................................................................... 44
C. ......................................................................................................... Kera
ngka Pemikiran ....................................................................................... 46
D. ......................................................................................................... Hipot
esis .......................................................................................................... 50
BAB III METODE PENELITIAN
A. ......................................................................................................... Desai
n Penelitian ............................................................................................ 51
B. ......................................................................................................... Oper
asional Variabel ...................................................................................... 51
C. ......................................................................................................... Popul
asi Dan Sampel ....................................................................................... 53
D. ......................................................................................................... Tekni
k Pengumpulan Data ............................................................................... 56
E........................................................................................................... Tekni
k Analisis Data Dan Pengujian Hipotesis ............................................... 57
1................................................................................................... Uji
Asumsi Klasik ................................................................................. 57
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
a. ........................................................................................... Uji
Linearitas .................................................................................. 57
b. ........................................................................................... Uji
Multikolinieritas ....................................................................... 59
c. ........................................................................................... Uji
Heterokedasitas ........................................................................ 60
2................................................................................................... Uji
Hipotesis .......................................................................................... 60
a. ........................................................................................... Anali
sis Regresi Linear Ganda .......................................................... 60
b. ........................................................................................... Uji F
(Uji Keberartian Regresi) ......................................................... 61
c. ........................................................................................... Uji t
(Uji Keberartian Koefisien Regresi)......................................... 63
BAB IV HASIL PENELITIAN DAN PEMBAHASAN
A. ......................................................................................................... Tinja
uan Umum Objek Penelitian................................................................... 65
B. ......................................................................................................... Desk
ripsi Hasil Penelitian............................................................................... 69
1................................................................................................... Desk
ripsi Dana Pihak Ketiga ................................................................... 69
2................................................................................................... Desk
ripsi Non Performing Loan.............................................................. 72
3................................................................................................... Desk
ripsi Penyaluran Kredit .................................................................... 75
C. ......................................................................................................... Peng
ujian Hipotesis Penelitian ....................................................................... 78
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
1................................................................................................... Uji
Asumsi Klasik ................................................................................. 79
a. ........................................................................................... Uji
Linieritas .................................................................................. 79
b. ........................................................................................... Uji
Multikolinearitas ...................................................................... 80
c. ........................................................................................... Uji
Heterokedastisitas .................................................................... 81
2................................................................................................... Uji
Hipotesis .......................................................................................... 82
a. ........................................................................................... Anali
sis Regresi Linear Multiple ...................................................... 82
b. ........................................................................................... Uji F
(Uji Keberartian Regresi) ......................................................... 83
c. ........................................................................................... Uji t
(Uji Keberartian Koefisien Regresi) ........................................ 85
D. ......................................................................................................... Pemb
ahasan ..................................................................................................... 87
BAB V KESIMPULAN DAN SARAN
A. ......................................................................................................... Kesi
mpulan .................................................................................................... 90
B. ......................................................................................................... Saran
................................................................................................................ 91
DAFTAR PUSTAKA ..................................................................................... 92
LAMPIRAN-LAMPIRAN ............................................................................ 95
RIWAYAT HIDUP
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR TABEL
Tabel 1.1
Jumlah Pendapatan Fee Base Income Dan Pendapatan Atas
Penyaluran Kredit Pada Bank Yang Go Public Di Bursa Efek
Indonesia (BEI)2013 .......................................................................... 3
Tabel 1.2
Jumlah Penyaluran Kredit Bank Yang Go Public Di Bursa
Efek Indonesia (BEI)2013 ................................................................. 5
Tabel 2.1
Penelitian Terdahulu .......................................................................... 45
Tabel 3.1
Operasionalisasi Variabel .................................................................. 53
Tabel 3.2
Daftar Perusahaan Perbankan Yang Terdaftar Di Bursa Efek
Indonesia (Populasi) .......................................................................... 54
Tabel 3.3
Sampel Perusahaan Perbankan Yang Terdaftar Di Bursa Efek
Indonesia ............................................................................................ 55
Tabel 4.1
Profil Perusahaan Yang Menjadi Objek Penelitian Tahun
2013 ................................................................................................... 65
Tabel 4.2
Perkembangan Dana Pihak Ketiga Pada Bank Yang Go
Public Di Bursa Efek Indonesia Tahun 2013 ................................... 70
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
Tabel 4.3
Perkembangan Non Performing Loan Pada Bank Yang Go
Public Di Bursa Efek Indonesia Tahun 2013 .................................... 73
Tabel 4.4
Perkembangan Penyaluran Kredit Pada Bank Yang Go
Public Di Bursa Efek Indonesia Tahun 2013 .................................... 76
Tabel 4.5
Tabel Pengujian Linearitas ................................................................ 79
Tabel 4.6
Uji Multikolinieritas Data .................................................................. 80
Tabel 4.7
Hasil Perhitungan Regresi Linier Multiple ........................................ 82
Tabel 4.8
ANOVA ............................................................................................. 84
Tabel 4.9
Hasil Pengujian Keberartian Koefisien Regresi (Uji t) ..................... 85
Tabel 4.10 Keputusan Pengujian Uji t ................................................................. 86
DAFTAR GAMBAR
Gambar 2.1 Hubungan Antara Variabel Penelitian ............................................... 49
Gambar 4.1 Grafik Perkembangan Dana Pihak Ketiga Pada Bank Yang
Go Public Di Bursa Efek Indonesia Tahun 2013 .............................. 71
Gambar 4.2 Grafik Perkembangan Non Performing Loan Pada Bank
Yang Go Public Di Bursa Efek Indonesia Tahun 2013 ..................... 74
Gambar 4.3 Grafik Perkembangan Penyaluran Kredit Pada Bank Yang
Go Public Di Bursa Efek Indonesia Tahun 2013 .............................. 77
Gambar 4.4 Grafik Scatter Plot (Uji Heterokedastisitas) ...................................... 81
Nurhani Ramadhani, 2015
PENGARUH DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP
PENYALURAN KREDIT PADA PADA BANK YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI)
TAHUN 2013
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu