PENGARUH TOTAL DPK DAN PENYALURANNYA SERTA PERGERAKAN NILAI TUKAR TERHADAP BOPO PADA BANK-BANK MALAYSIA - Perbanas Institutional Repository
PENGARUH TOTAL DPK DAN PENYALURANNYA
SERTA PERGERAKAN NILAI TUKAR TERHADAP BOPO
PADA BANK-BANK MALAYSIA
S K R I P S I
Diajukan untuk Memenuhi Salah Satu Syarat Penyelesaian Program Pendidikan Strata Satu Jurusan Manajemen.
Oleh :
GITA DWI CAHYANI EFFENDI
NIM : 2011210439
SEKOLAH TINGGI ILMU EKONOMI PERBANAS
S U R A B A Y A
2015
Motto
“Whenever you feel like criticizing
anyone...just remember that all the people
in this world haven't had the advantages
that you've had .”
PERSEMBAHAN
Dia memberikan hikmah (ilmu yang berguna)
kepada siapa yang dikehendaki-Nya.
Barang siapa yang mendapat hikmah itu
Sesungguhnya ia telah mendapat kebajikan yang banyak.
Dan tiadalah yang menerima peringatan
melainkan orang- orang yang berakal”.
(Q.S. Al-Baqarah: 269)
Persembahan utama dan rasa bersyukurku kepada Allah S.W.T yang telah
memberikan segala yang terbaik didalam hidupku. Terimakasih engkau telah
memberikan berkah rahmat dan hidayahmu untukku dalam menjalankan
kehidupan ini. Ya allah berilah aku ilham untuk tetap mensyukuri nikmat mu
yang telah Engkau anugerahkan kepadaku dan kepada orang tua,keluarga ,
calon imamku kelak serta sahabat-sahabatku untuk mengerjakan amal saleh yang
Engkau ridhai, dan masukkanlah kami dengan rahmat-Mu ke dalam golongan
hamba-hamba-Mu yang saleh.Amin Yarobbalallamiin Dear mom,“Sad Boedi Setijawati S.Pd” you’re the most beautiful woman I ever
saw. All I am I owe to you. I attribute my success in life to the moral, intellectual
and physical education I received from you thank you and love you.” Dad, “Slamet Effendi S.Pd” No matter how old i get, no matter how often i stay
out with friends, no matter how far i move away with my love ichwan , no matter
how many children i will have, no matter how many grandchildren i will
have....daddy, i will still be your little girl! Thank you i love you more than the
world will ever know!!There’s no other love like the love for a brother. There’s no other love like the
love from a brother.Sometimes, being a brother is even better than being a
superhero.thank you “Nanang Setya Perdana” for your support for me your little sister. I am so thankful that you are
“ Estiko Wina Teguh Wati ” my sister-in-
law. I have learned so much from you and I can honestly say that you are a
blessing to our family.“ Ash-Syaamil Tsabata Perdana ” trust me you have a SuperAunt.thanks for my aunty
“ Dwi Avritanti” and her families
Hey love “Muhammad Ichwan Arianto Amd.” i’m so sorry sometimes i get little jealous,thinking that someone else could make you happier that i could, i guess it’s my insecurities acting up. Because i know that i’m not the prettiestor most fun and exciting girl but i do know that no matter how hard and how long you look, you’ll never find somebody that love you like i do.I do really love you thank you for your support, thank you for your love i really enjoy every moment with you. You’re amazing alhamdulillah barakallah that i have you and now im wait for your seriousness in our relationships, yes i believe you can do it amin yarobbalallamin. Thanks for my second family ayah “Iswanto” ibu “Mimik Muarifah” mas “ Ardy Rachmansyah
” mbak “Andi Bintang Octavinda” adek “ Reza Ari Puspita
” I don't know half of you half as well as I should like,and I like less than half of you half as well as you deserve. Mbak Wita,Tante Alfi and all of ichwan’s family Thank you so much.
Hello “Para Telur” Fitriya, Eko Sembodo, Vina Pepriyanti, Melinda Tunggal Dewi, Balgis Hikmah Fitriyamani, Nadia Farah Quamilla, Anugrah Febri Kusuma, Inggrid Vio Fernanda, Wike Widyawati, Ridha Destriana, Ardini` Putri Lestari, Nur Shofuah, Aldy Rachmatya, Elwin Novaris
“ I really believe that a true best friend sees the first tear... catches the second... and stops the third ”.thanks for u’re support,attention and u’re sincerity can’t wait for next trip!!! Miss you guys! My dearest Gangnam crew
“Hj. Nur Wilda Sholikhah, SE., MM.” as my advicer, her son
“Azka Alzam Abdillah” , & her mom “Ibuk Mala”, and im proud of having you as my “suhu”, thanks for your support your help and your time for us
“Fitriya”, “Vina Pepriyanti”, “Yuni Putri Ningtyas”, “Endar Pratiwi”, “Wempy Widya Tristiyanti”, “Gesang Putri Setianingtyas” , “Ardina Zahrah Fajaria”, “Cheysilia Novita Dae & Icha Nocazz” remember our live looks like spongebob and patrick guys laugh out loud all days without any reason and annoy the mean people with our happiness thanks a lot gengs for our togetherness i can’t forget about this.
Hey sissy “ Viananda Rizka Amelia” Spirit over mind. Mind over matter. It's that simple yes we’re stronger !, and you too “Riris Arista” believe me that in life u’ll meet two types of people the ones..who build you up and the ones... who tear you down but in the end you will thanks them both. Thanks a lot sis. And my lovely sissy “Asfia Febriani, S.E” many thanks for u sis.
My bebeb sri “ Nisrina yuli Astrie” and you mamo “ Haryo Hutomo” & “ Novia Dwi Asteria
“ and you “ Yusuf Nur Isnain” “Firdaus Synto Nugraha” “Harun Nur Rasyid”, “Mochamad Fajar Akbar” “Mochamad Miftahul Achyar
”, “ Chandra Saifuddin” “Sisilia Septy Pratiwi” “ Diana Sinthia Dewi
” “ Dicky Nur Utomo” “ mbak Juniatin” if there ever comes a day when
we cant be together keep me in your heart, i’ll stay there forever. Thanks a lot my
class mate my desk mate may allah bless you all ! cant wait for attending in your
marriage amiiiiin..for my aunt ibuk “ Agustina Soekarno” jus kantin STIE Perbanas Surabaya thanks a lot for u’re advice for me for u’re attention for u’re help love you soo much!For my p
rivate nurse “Merryscha Aulia Suwandi”my gemblong “Desty
Rosiana Dewi” my ciko “Rahayu Dwi Utami” finally i got it best ! nowits a time
for eating,movie(ing),shopping again thanks full my babsky mumumu love you all
Many thanks for my little sister “Yunitha Ardian Puspitasari”& “ Maghfirah Ramadhani”thanks for your book and your time for my PKM. Thanks a lot for my family in Paduan Suara STIE Perbanas Surabaya we’re the best !!! Thanks for my super family on
“SMA GIKI 2 Surabaya” especially for my family on “ X-2”, “XI IPS 1”,“XII IPS 1” i think if i’ve learned anything about
friendship, its to hang in stay connected, fight for them and let them fight for you.
Dont walk away, dont be distacted, dont be too busy or tired, dont take them for granted.friends are a part of glue that holds life and faith together. Powerfull stuff. Thanks alot for your kindness !!
KATA PENGANTAR
Dengan mengucapkan rasa syukur kehadirat Allah S.W.T atas segala limpahan rahmat dan karunia-Nyalah sehingga penulis dapat menyelesaikan skripsi ini yang berjudul “Pengaruh Total DPK dan Penyalurannya Serta Pergerakan Nilai Tukar Terhadap BOPO Pada Bank-Bank Malaysia ”.
Kemudian tujuan penyusunan skripsi ini adalah untuk menempuh dan memenuhi salah satu syarat penyelesaian program pendidikan sarjana strata satu (S1) Jurusan Manajemen Perbankan STIE PERBANAS SURABAYA. Pada kesempatan ini dengan penuh ketulusan hati, perkenanlah saya untuk mengucapkan rasa terima kasih kepada semua pihak yang mendukung dan membantu penulis selama menjalani perkuliahan dan penyusunan skripsi ini, yaitu :
1. Bapak Dr.Drs.Ec Abdul Mongid, M.A. selaku dosen pembimbing yang sangat berperan besar dan membantu atas proses penyusunan dan sekaligus penyelesaian skripsi ini melalui proses pemberian bimbingan, arahan dan pengetahuannya kepada penulis.
2. Bapak Lutfi,S.E, M.Fin. selaku Ketua STIE Perbanas Surabaya.
3. Ibu Muazaroh S.E.,M.T. selaku Ketua Jurusan Manajemen STIE Perbanas Surabaya.
4. Bapak dan Ibu Dosen beserta seluruh civitas Akademika STIE Perbanas
Surabaya yang telah memberikan ilmu pengetahuan dan bantuan penulis selama perkuliahan.
Akhirnya dengan segala kerendahan hati, penulis memohon maaf yang sebesar-besarnya jika terdapat kesalahan dalam seluruh proses penyusunan skripsi.
Surabaya, Januari 2015 Penulis
DAFTAR ISI
HALAMAN JUDUL .................................................................................... i HALAMAN PERSETUJUAN SIAP UJI ................................................... ii HALAMAN LULUS UJIAN SKRIPSI ....................................................... iii HALAMAN PENGESAHAN SKRIPSI ...................................................... iv HALAMAN MOTTO .................................................................................... v HALAMAN PERSEMBAHAN...................................................................... vi KATA PENGANTAR ................................................................................. ix DAFTAR ISI ................................................................................................ xii DAFTAR TABEL ........................................................................................ xii DAFTAR GAMBAR....................................................................................... xiiii DAFTAR LAMPIRAN ................................................................................ xv ABSTRAK/ RINGKASAN ......................................................................... xvi BAB I. PENDAHULUAN ...................................................................
1 1.1. Latar Belakang .................................................................. .
1 1.2. Perumusan Masalah. ..........................................................
4 1.3. Tujuan Penelitian. .............................................................
5 1.4. Manfaat Penelitian. ...........................................................
6 1.5. Sistematika Penulisan .......................................................
6 BAB II. TINJAUAN PUSTAKA ..........................................................
8 2.1. Penelitian Terdahulu. ........................................................
8 2.2. Landasan Teori. ................................................................
14 2.3. Kerangka Pemikiran. ........................................................
27 2.4. Hipotesis Penelitian. .........................................................
29 BAB III. METODE PENELITIAN ........................................................
31 3.1. Rancangan Penelitian. .......................................................
31 3.2. Batasan Penelitian. ............................................................
32 3.3. Identifikasi Variabel. ........................................................
32 3.4. Definisi Operasional dan Pengukuran Variabel. ...............
33 3.5. Populasi, Sampel, dan Teknik Pengambilan Sampel ........
37 3.6. Data dan Teknik Pengumpulan Data ................................
37 3.7. Teknik Analisis Data ........................................................
38 BAB IV. GAMBARAN SUBYEK PENELITIAN DAN ANALISIS DATA 46 4.1. Gambaran Subyek Penelitian ............................................
46 4.2. Analisa Data. .....................................................................
59 4.3 Pembahasan.........................................................................
83 BAB V. KESIMPULAN .........................................................................
94 5.1. Kesimpulan. ......................................................................
94 5.2. Keterbatasan Penelitian. ....................................................
95 5.3. Saran. ................................................................................
96 DAFTAR RUJUKAN LAMPIRAN
DAFTAR TABEL
Tabel 1.1 : Posisi BOPO Pada Bank- bank Malaysia Selama Tahun 2008 - 2013 ................................................................................................ 3Tabel 2.1 : Persamaan dan Perbedaan Penelitian Terdahulu dengan PenelitianSekarang ....................................................................................... 14
Tabel 3.1 : Peringkat Bank- –bank MalaysiaBerdasarkan total asset periode desember 2013 ............................................................................. 38
DAFTAR GAMBAR
Gambar 2.1 : Kerangka Pemikiran ............................................................. 29Gambar 3.1 : Daerah penerimaan dan penolakan h uji f............................41Gambar 3.2 : Daerah penerimaan dan penolakan h uji t..........................43Gambar 3.3 : Daerah penerimaan dan penolakan h uji t..........................44Gambar 3.4 : Daerah Penerimaan dan Penolakan H Uji t.........................45Gambar 4.1 : Rata-Rata DPK.....................................................................60Gambar 4.2 : Rata-Rata Pinjaman yang Diterima......................................63Gambar4.3 : Rata-Rata Surat Berharga.....................................................65