Analisis Pengaruh Rasio-Rasio Bank Terhadap Profitabilitas Pada Perbankan Yang Terdaftar Di BEI

ABSTRAK
ANALISIS PENGARUH RASIO-RASIO BANK TERHADAP
PROFITABILITAS PADA PERBANKAN YANG TERDAFTAR DI BEI
Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy
Ratio (CAR), Net Interest Margin (NIM), danOperating Expenses to Operating
Income (OEOI) terhadap profitabilitas yang diukur dengan Return On Equity
(ROE) pada perbankan yang terdaftar di Bursa Efek Indonesia.
Data yang digunakan dalam penelitian ini diperoleh dari Laporan
Keuangan Tahunan masing-masing perbankan yang dipublikasikan melalui
website www.idx.com. Jumlah sampel sebanyak 32 perbankan yang terdaftar di
Bursa Efek Indonesia selama tahun 2010-2012 yang diambil melalui purposive
sampling.Teknik analisis data dalam penelitian ini menggunakan analisis regresi
berganda.
Hasil penelitian menunjukkan bahwa variabel CAR, NIM, dan OEOI
berpengaruh terhadap ROE.Variabel CAR dan OEOI berpengaruh negatif dan
signifikan terhadap ROE sedangkan variabel NIM berpengaruh positif dan tidak
signifikan terhadap ROE.

Kata Kunci: Capital Adequacy Ratio (CAR), Net Interest Margin (NIM),
Operating Expenses to Operating Income (OEOI), dan Return On Equity
(ROE)

Universitas Sumatera Utara

ABSTRACT
ANALYSIS THE EFFECT OF BANK RATIOS TO PROFITABILITY IN THE
BANKING THAT LISTED ON BEI
This study aims to analyze the effect of the Capital Adequacy Ratio (CAR),
Net Interest Margin (NIM), and Operating Expenses to Operating Income (OEOI)
towards profitability as measured by Return On Equity (ROE) in the bank listed
on the Indonesia Stock Exchange.
The data used in this study were obtained from the Annual Financial
Statements of each bank which was published through the website www.idx.com.
The number of sample used were 32 banks listed on the Indonesia Stock Exchange
during 2010-2012 were taken by purposive sampling. Techniques of data analysis
in this study using multiple regression analysis.
The results of this research shows that CAR, NIM, and OEOI variables
has influence to ROE. CAR and OEOI variables has a negative and significant
influence to ROE while NIM variable has a positive and unsignificant influence to
ROE.
Keywords:Capital Adequacy Ratio (CAR), Net Interest Margin (NIM),

Operating Expenses to Operating Income (OEOI), and Return On Equity
(ROE)

Universitas Sumatera Utara