Analisis Pengaruh Capital Adequacy Ratio (Car), Loan To Deposit Ratio (Ldr), Net Interest Margin (Nim), Non Performing Loan (Npl) Terhadap Return On Asset (Roa)

ABSTRAK
ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN
TO DEPOSIT RATIO (LDR), NET INTEREST MARGIN (NIM),
NON PERFORMING LOAN (NPL) TERHADAP
RETURN ON ASSET (ROA)
Nama
NIM
Departemen
Fakultas
Pembimbing

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Firmansyah Putra Lubis
130907089
Ilmu Administrasi Niaga/ Bisnis
Ilmu Sosial Dan Ilmu Politik

Haris Pinagaran Nasution SE.M.Si

Penelitian ini bertujuan untuk menganalisi pengaruh Capital Adequacy
Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) dan Non
Performing Loan (NPL) terhadap Return on Asset (ROA) baik secara simultan
dan parsial. Profitabilitas sering digunakan untuk mengukur efektifitas
manajemen berdasarkan hasil pengembalian dari pinjaman dan investasi. Dalam
menciptakan dan memelihara kondisi perbankan yang sehat diperlukan lembaga
perbankan yang senantiasa mendapat pembinaan dan pengawasan yang efektif.
Populasi dalam penelitian ini adalah bank umum yang terdaftar (listed) di
BEI dari tahun 2011 sampai tahun 2015 yaitu sebanyak 42 bank. Teknik
pengambilan sampel melalui metode purposive sampling. Data yang digunakan
dalam penelitian ini adalah data sekunder. Sedangkan untuk data penelitian
merupakan pooling data yaitu gabungan antara deret waktu (time series) dan cross
section selama kurun waktu 2011 sampai dengan tahun 2015. Data dalam
penelitian ini dilakukan dengan analisis deskriptif kuantitatif dimana alat analisis
yang digunakan adalah analisis regresi panel data yang diolah dengan bantuan
program Eviews 7.
Berdasarkan hasil penelitian yang telah diuji, dapat disimpulkan bahwa
variabel CAR, LDR, NIM dan NPL secara simultan berpengaruh signifikan

terhadap variabel ROA bank umum go puclic yang listed di Bursa Efek Indonesia
periode 2011-2015. Sedangkan secara parsial diperoleh hasil variabel CAR
berpengaruh negatif dan tidak signifikan terhadap ROA bank umum go public
yang listed di BEI periode 2011-2015.
Hal ini menunjukkan bahwa variabel CAR mempunyai nilai probabilitas
sebesar 0.1633, variabel LDR mempunyai nilai probabilitas sebesar 0.0242,
variabel NIM mempunyai nilai probabilitas sebesar 0.1028 dan variabel NPL
mempunyai nilai probabilitas sebesar 0.0002. Sehingga dapat disimpulkan bahwa
variabel yang paling mempengaruhi profitabilitas (ROA) bank umum go public
yang listed di BEI periode 2011-2015 secara berurutan adalah NPL, LDR, NIM
dan CAR. Dengan demikian peningkatan rasio NPL merupakan hal yang paling
efektif dan efisien yang dapat dilakukan untuk meningkatkan profitabilitas (ROA)
bank dan menjaga eksistensi usaha bank umum go public yang listed di BEI.
Kata Kunci: Capital Adequacy Ratio, Loan To Deposit Ratio, Net Interest
Margin, Non Performing Loan dan Return On Asset

i
Universitas Sumatera Utara

ABSTRACT

ANALYSIS OF EFFECT OF CAPITAL ADEQUACY RATIO (CAR), LOAN
TO DEPOSIT RATIO (LDR), NET INTEREST MARGIN (NIM), NON
PERFORMING LOAN (NPL) ON RETURN ON ASSET (ROA)
Name
NIM
Department
Faculty
Advisor

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Firmansyah Putra Lubis
130907089
Business Administration
Social and Political Science
Haris Pinagaran Nasution SE.M.Si

This study aims to analyze the effect of Capital Adequacy Ratio (CAR),
Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) and Non Performing
Loan (NPL) to Return on Assets (ROA) both simultaneously and partially.
Profitability is often used to measure management effectiveness based on returns
on loans and investments. In creating and maintaining a sound banking condition,
it is necessary for banking institutions that always receive effective guidance and
supervision.
The population in this study are commercial banks listed (listed) in BEI
from 2011 to 2015, which is as many as 42 banks. Sampling technique through
purposive sampling method. The data used in this research is secondary data.
While for the research data is pooling data is a combination of time series (time
series) and cross section during the period 2011 to 2015. The data in this study
was conducted with a quantitative descriptive analysis where the analysis tool
used is panel data regression analysis is processed with Eviews 7 program.
Based on the results of research that has been tested, it can be concluded
that the variables CAR, LDR, NIM and NPL simultaneously significantly influence
the variable ROA commercial banks go puclic listed in Indonesia Stock Exchange
period 2011-2015. While partially obtained the result of CAR variable has a
negative and insignificant effect on ROA of public bank go public listed in BEI

period 2011-2015.
This shows that the CAR variable has a probability value of 0.1633, the
LDR variable has a probability value of 0.0242, the NIM variable has a
probability value of 0.1028 and the NPL variable has a probability value of
0.0002. So it can be concluded that the variables that most affect the profitability
(ROA) of public banks go public listed on the IDX period 2011-2015 in sequence
are NPL, LDR, NIM and CAR. Thus the increase in NPL ratio is the most effective
and efficient that can be done to improve bank profitability (ROA) and maintain
the existence of public business go public listed on the BEI.
Keywords: Capital Adequacy Ratio, Loan To Deposit Ratio, Net Interest
Margin, Non Performing Loan dan Return On Asset

ii
Universitas Sumatera Utara