Faktor-faktor yang Mempengaruhi Profitabilitas pada Bank Umum Swasta Nasional Devisa di Indonesia

ABSTRAK
FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS
PADA BANK UMUM SWASTA NASIONAL DEVISA
DI INDONESIA
Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh
Capital Adequacy Ratio, Non Performing Loan, Biaya Operasional terhadap
Pendapatan Operasional, Net Interest Margin, dan Loan to Deposit Ratio terhadap
profitabilitas pada Bank Umum Swasta Nasional Devisa di Indonesia. Variabel
independen yang digunakan adalah Capital Adequacy Ratio (CAR), Non
Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional
(BOPO), Net Interest Margin (NIM), dan Loan to Deposit Ratio (LDR). Variabel
dependen yang digunakan adalah profitabilitas (Return on Asset). Penelitian ini
adalah penelitian asosiatif. Sampel pada penelitian ini adalah 16 Bank Umum
Swasta Nasional Devisa di Indonesia yang telah go public dan terdaftar di Bursa
Efek Indonesia periode 2010-2015. Metode analisis yang digunakan adalah
metode statistik deskriptif dan metode regresi linier berganda data panel. Hasil
penelitian menunjukan bahwa secara simultan, variabel Capital Adequacy Ratio,
Non Performing Loan, Biaya Operasional terhadap Pendapatan Operasional, Net
Interest Margin, dan Loan to Deposit Ratio berpengaruh positif dan signifikan
terhadap profitabilitas (Return on Asset) sedangkan secara parsial, hanya variabel
Biaya Operasional terhadap Pendapatan Operasional dan Net Interest Margin

yang berpengaruh signifikan terhadap profitabilitas (Return on Asset).
Kata Kunci: Capital Adequacy Ratio, Non Performing Loan, Biaya Operasional
terhadap Pendapatan Operasional, Net Interest Margin, Loan to
Deposit Ratio, Profitabilitas (Return on Asset).

i

Universitas Sumatera Utara

ABSTRACT
FACTORS AFFECTING PROFITABILITY OF
FOREIGN EXCHANGE BANKS
IN INDONESIA
This study aims to identify and analyze the effect of Capital Adequacy
Ratio, Non Performing Loan, Cost Operational to Operating Income, Net Interest
Margin and Loan to Deposit Ratio to profitability of foreign exchange banks in
Indonesia. Independent variables used in this study is Capital Adequacy Ratio
(CAR), Non Performing Loan (NPL), Cost Operational to Operating Income
(BOPO), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR). The
dependent variable used is profitability (Return on Asset). This research is

associative. The sample in this study was 16 foreign exchange banks listed in
Indonesia Stock Exchange in period from 2010 until 2015. The analytical method
used is descriptive statistical methods and multiple linear regression panel
data.The results showed that simultaneously, Capital Adequacy Ratio, Non
Performing Loan, Cost Operational to Operating Income, Net Interest Margin and
Loan to Deposit Ratio have positive and significant impact on profitability
(Return on Asset) and partially, (t test) only Cost Operational to Operating
Income and Net Interest Marginhave positive and significant impact on
profitability (Return on Asset).
Keywords:

Capital Adequacy Ratio, Non Performing Loan, Cost Operational
to Operating Income, Net Interest Margin, Loan to Deposit Ratio,
Profitability (Return on Asset).

ii

Universitas Sumatera Utara