Abstract Analisis FaktorFaktor yang Mempengaruhi Kinerja Bank Umum yang terdaftar di Bursa Efek Indonesia
ABSTRAK
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI
KINERJA BANK UMUM YANG TERDAFTAR
DI BURSA EFEK INDONESIA
Perumusan masalah dalam penelitian ini, yaitu: apakah Capital Adequacy Ratio
(CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Debt to
Equity Ratio (DER), Biaya Operasional dan Pendapatan Operasional (BOPO)
berpengaruh terhadap Kinerja Bank yang diproksikan dalam Return on Asset
(ROA) Bank Umum yang terdaftar di Bursa Efek Indonesia.
Penelitian ini menggunakan 28 sampel Bank Umum yang terdaftar di
Bursa Efek Indonesia. Penelitian ini menggunakan data sekunder berupa laporan
keuangan bank pada website www.bi.go.id periode tahun 2009-2012 sehingga
jumlah observasi adalah 112 yang diperoleh dari (perkalian jumlah bank umum
dengan periode tahun pengamatan). Metode pengumpulan data adalah data
historis (documentary historical) dengan teknik analisis data yaitu: teknik
analisis regresi linier berganda.
Hasil penelitian menunjukkan bahwa: 1) Capital Adequacy Ratio (CAR),
Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Debt to Equity
Ratio (DER), dan Biaya Operasional dan Pendapatan Operasional (BOPO)
secara simultan berpengaruh signifikan terhadap Return on Asset (ROA) pada
Bank Umum yang terdaftar di Bursa Efek Indonesia. 2) Secara parsial, Capital
Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Debt to Equity Ratio
berpengaruh positif dan tidak signifikan terhadap Return on Asset (ROA) pada
Bank Umum yang terdaftar di Bursa Efek Indonesia, Non Performing Loan
(NPL) berpengaruh negatif dan tidak signifikan terhadap terhadap Return on
Asset (ROA) pada Bank Umum yang terdaftar di Bursa Efek Indonesia,
sedangkan Biaya Operasional dan Pendapatan Operasional (BOPO) berpengaruh
negatif dan signifikan terhadap Return on Asset (ROA) pada Bank Umum yang
terdaftar di Bursa Efek Indonesia.
Kata Kunci: Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing
Loan, Debt to Equity Ratio, Biaya Operasional dan Pendapatan
Operasional, dan Return on Asset.
Universitas Sumatera Utara
ABSTRACT
ANALYSIS OF FACTORS AFFECTING
PERFORMANCE OF COMMERCIAL BANKS LISTED
ON THE INDONESIA STOCK EXCHANGE
Formulation of the problem in this study, namely: whether the Capital
Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non-Performing Loans
(NPLs), Debt to Equity Ratio (DER), Operating Expenses and Operating Income
(ROA) effect on performance banks are proxied in Return on Assets (ROA)
Commercial Bank listed on the Indonesia Stock Exchange.
This study used a sample of 28 commercial banks listed on the Indonesia
Stock Exchange. This study used secondary data from the financial statements of
banks in the 2009-2012 period www.bi.go.id website so that the number of
observations is 112 obtained from (multiplying the number of commercial banks
with the period of observation). Methods of data collection are historical data
(documentary historical) data analysis techniques, namely: multiple linear
regression analysis techniques.
The results showed that: 1) Capital Adequacy Ratio (CAR), Loan to
Deposit Ratio (LDR), Non-Performing Loans (NPLs), Debt to Equity Ratio
(DER), and Operating Expenses and Operating Income (ROA) simultaneously
significant effect on Return on Assets (ROA) at Commercial Bank listed on the
Indonesia Stock Exchange. 2) Partially, Capital Adequacy Ratio (CAR), Loan to
Deposit Ratio (LDR), and Debt to Equity Ratio is positive and significant impact
on Return on Assets (ROA) at Commercial Bank listed on the Indonesia Stock
Exchange, Non-Performing Loans (NPL) and no significant negative impact on
the Return on Assets (ROA) at Commercial Bank listed on the Indonesia Stock
Exchange, while Operating Expenses and Operating Income (ROA) and a
significant negative impact on Return on Assets (ROA) at Commercial Bank
listed on the Indonesia Stock Exchange.
Keywords: Capital Adequacy Ratio, Loan to Deposit Ratio, Non-Performing
Loans, Debt to Equity Ratio, Operating Expenses and Operating
Income and Return on Assets.
Universitas Sumatera Utara
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI
KINERJA BANK UMUM YANG TERDAFTAR
DI BURSA EFEK INDONESIA
Perumusan masalah dalam penelitian ini, yaitu: apakah Capital Adequacy Ratio
(CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Debt to
Equity Ratio (DER), Biaya Operasional dan Pendapatan Operasional (BOPO)
berpengaruh terhadap Kinerja Bank yang diproksikan dalam Return on Asset
(ROA) Bank Umum yang terdaftar di Bursa Efek Indonesia.
Penelitian ini menggunakan 28 sampel Bank Umum yang terdaftar di
Bursa Efek Indonesia. Penelitian ini menggunakan data sekunder berupa laporan
keuangan bank pada website www.bi.go.id periode tahun 2009-2012 sehingga
jumlah observasi adalah 112 yang diperoleh dari (perkalian jumlah bank umum
dengan periode tahun pengamatan). Metode pengumpulan data adalah data
historis (documentary historical) dengan teknik analisis data yaitu: teknik
analisis regresi linier berganda.
Hasil penelitian menunjukkan bahwa: 1) Capital Adequacy Ratio (CAR),
Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Debt to Equity
Ratio (DER), dan Biaya Operasional dan Pendapatan Operasional (BOPO)
secara simultan berpengaruh signifikan terhadap Return on Asset (ROA) pada
Bank Umum yang terdaftar di Bursa Efek Indonesia. 2) Secara parsial, Capital
Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Debt to Equity Ratio
berpengaruh positif dan tidak signifikan terhadap Return on Asset (ROA) pada
Bank Umum yang terdaftar di Bursa Efek Indonesia, Non Performing Loan
(NPL) berpengaruh negatif dan tidak signifikan terhadap terhadap Return on
Asset (ROA) pada Bank Umum yang terdaftar di Bursa Efek Indonesia,
sedangkan Biaya Operasional dan Pendapatan Operasional (BOPO) berpengaruh
negatif dan signifikan terhadap Return on Asset (ROA) pada Bank Umum yang
terdaftar di Bursa Efek Indonesia.
Kata Kunci: Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing
Loan, Debt to Equity Ratio, Biaya Operasional dan Pendapatan
Operasional, dan Return on Asset.
Universitas Sumatera Utara
ABSTRACT
ANALYSIS OF FACTORS AFFECTING
PERFORMANCE OF COMMERCIAL BANKS LISTED
ON THE INDONESIA STOCK EXCHANGE
Formulation of the problem in this study, namely: whether the Capital
Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non-Performing Loans
(NPLs), Debt to Equity Ratio (DER), Operating Expenses and Operating Income
(ROA) effect on performance banks are proxied in Return on Assets (ROA)
Commercial Bank listed on the Indonesia Stock Exchange.
This study used a sample of 28 commercial banks listed on the Indonesia
Stock Exchange. This study used secondary data from the financial statements of
banks in the 2009-2012 period www.bi.go.id website so that the number of
observations is 112 obtained from (multiplying the number of commercial banks
with the period of observation). Methods of data collection are historical data
(documentary historical) data analysis techniques, namely: multiple linear
regression analysis techniques.
The results showed that: 1) Capital Adequacy Ratio (CAR), Loan to
Deposit Ratio (LDR), Non-Performing Loans (NPLs), Debt to Equity Ratio
(DER), and Operating Expenses and Operating Income (ROA) simultaneously
significant effect on Return on Assets (ROA) at Commercial Bank listed on the
Indonesia Stock Exchange. 2) Partially, Capital Adequacy Ratio (CAR), Loan to
Deposit Ratio (LDR), and Debt to Equity Ratio is positive and significant impact
on Return on Assets (ROA) at Commercial Bank listed on the Indonesia Stock
Exchange, Non-Performing Loans (NPL) and no significant negative impact on
the Return on Assets (ROA) at Commercial Bank listed on the Indonesia Stock
Exchange, while Operating Expenses and Operating Income (ROA) and a
significant negative impact on Return on Assets (ROA) at Commercial Bank
listed on the Indonesia Stock Exchange.
Keywords: Capital Adequacy Ratio, Loan to Deposit Ratio, Non-Performing
Loans, Debt to Equity Ratio, Operating Expenses and Operating
Income and Return on Assets.
Universitas Sumatera Utara