S PEA 0902675 Table of content
DAFTAR ISI
LEMBAR PENGESAHAN
LEMBAR HAK CIPTA
PERNYATAAN KEASLIAN SKRIPSI
ABSTRAK
ABSTRACT
KATA PENGANTAR ......................................................................................... i
DAFTAR ISI
....................................................................................................... iv
DAFTAR TABEL ................................................................................................ viii
DAFTAR GAMBAR ........................................................................................... ix
BAB I PENDAHULUAN
1.1 Latar Belakang Masalah .................................................................... 1
1.2 Rumusan Masalah ............................................................................. 10
1.3 Tujuan Penelitian ............................................................................. 11
1.4 Kegunaan Penelitian ........................................................................ 11
BAB II KAJIAN PUSTAKA, KERANGKA PEMIKIRAN DAN HIPOTESIS
2.1 Kajian Pustaka ................................................................................. 14
2.1.1 Pengertian Kredit ................................................................. 14
2.1.1.1 Unsur-unsur Kredit ................................................ 15
2.1.1.2 Tujuan dan Fungsi Kredit ....................................... 19
2.1.1.3 Jenis-jenis Kredit ................................................... 20
2.1.1.4 Pertumbuhan Penyaluran Kredit .............................. 22
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
2.1.2 Faktor Internal Bank ............................................................ 23
2.1.3 Faktor Permodalan ............................................................... 25
2.1.4 Faktor Kolektibilitas
.......................................................... 28
2.1.5 Faktor Profitabilitas
............................................................ 31
2.1.5.1 Return On Asset (ROA) ......................................... 32
2.1.5.2 Net Interest Margin (NIM) ...................................... 32
2.1.5.3 Beban Operasional dan Pendapatan Operasional
(BOPO) ................................................................... 34
2.2 Hubungan Antar Variabel ............................................................... 35
2.2.1
Hubungan
Faktor
Permodalan
dengan
Pertumbuhan
Penyaluran Kredit .................................................................. 35
2.2.2
Hubungan
Faktor
Kolektibilitas
dengan
Pertumbuhan
Penyaluran Kredit .................................................................. 36
2.2.3 Hubungan
Faktor
Profitabilitas
dengan
Pertumbuhan
Penyaluran Kredit ................................................................. 37
2.2.3.1 Hubungan ROA dengan Pertumbuhan Penyaluran
Kredit ...................................................................... 37
2.2.3.2 Hubungan NIM dengan Pertumbuhan Penyaluran
Kredit ...................................................................... 38
2.2.3.3 Hubungan BOPO dengan Pertumbuhan Penyaluran
Kredit ...................................................................... 39
2.3 Penelitian Terdahulu ........................................................................ 39
2.4 Kerangka Pemikiran ........................................................................ 44
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
2.5 Hipotesis ......................................................................................... 49
BAB III OBJEK DAN METODOLOGI PENELITIAN
3.1 Objek Penelitian
............................................................................. 50
3.2 Metodologi Penelitian ...................................................................... 50
3.2.1 Jenis dan Metode Penelitian ................................................ 50
3.2.2 Definisi dan Operasionalisasi Variabel .................................. 51
3.2.3 Jenis dan Sumber Data
....................................................... 53
3.2.4 Populasi dan Sampel Penelitian ............................................. 54
3.2.5 Teknik Pengumpulan Data ................................................... 55
3.2.6 Teknik Analisis Data danUji Hipotesis
3.2.6.1 Uji Asumsi Klasik
............................. 55
................................................ 55
3.2.6.2 Analisis Regresi Berganda ....................................... 58
3.2.6.2 Uji Hipotesis .......................................................... 59
BAB IV HASIL DAN PEMBAHASAN
4.1 Gambaran Populasi dan Sampel ..................................................... 60
4.2 Hasil ................................................................................................ 61
4.2.1 Gambaran Faktor-faktor Internal Bank pada Bank Umum
Konvensional di Indonesia ..................................................... 61
4.2.2 Gambaran Pertumbuhan Penyaluran Kredit pada Bank
Umum Konvensional di Indonesia ......................................... 63
4.2.3 Statistik Deskriptif ................................................................. 65
4.2.4 Uji Asumsi Klasik .......................... ………………………… 67
4.2.4.1 Uji Normalitas ............................................................ 67
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
4.2.4.2 Uji Multikolinearitas .................................................. 68
4.2.4.3 Uji Autokorelasi ......................................................... 70
4.2.4.4 Uji Hesterokedastisitas ............................................... 71
4.2.5
Analisis Regresi Berganda ..................................................... 72
4.2.3
Uji Hipotesis .......................................................................... 74
4.3 Pembahasan ...................................................................................... 75
4.3.1 Pengaruh
Faktor
Permodalan
terhadap
Pertumbuhan
Penyaluran Kredit................................................................... 75
4.3.2 Pengaruh
Faktor
Kolektibilitas
terhadap
Pertumbuhan
Penyaluran Kredit................................................................... 76
4.3.3 Pengaruh
Faktor
Permodalan
terhadap
Pertumbuhan
Penyaluran Kredit................................................................... 77
BAB V SIMPULAN DAN SARAN
5.1 Simpulan ............................................................................................ 82
5.1 Saran ................................................................................................ 83
DAFTAR PUSTAKA
......................................................................................... 85
LAMPIRAN
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR TABEL
Tabel 1.1 Rata-rata Pertumbuhan Kredit dan Rasio ROA, CAR, NPL, NIM,
serta BOPO pada Bank Umum Konvensional di Indonesia ................. 7
Tabel 2.1 Tabel PenelitianTerdahulu
............................................................... 42
Tabel 3.1 Definisi Operasional Variabel ............................................................ 52
Tabel 4.1 Jumlah Populasi ................................................................................. 61
Tabel 4.2 Rasio CAR, NPL, ROA, NIM dan BOPO Bank Umum Konvensional
di Indonesia tahun 2011-2012 .............................................................. 61
Tabel 4.3 Pertumbuhan Penyaluran Kredit Bank Umum Konvensional di
Indonesia tahun 2011-2012 dan 2012-2013 ......................................... 63
Tabel 4.4 Statistik Deskriptif................................................................................ 65
Tabel 4.5 Hasil Uji Normalitas............................................................................. 68
Tabel 4.6 Hasil Uji Multikolinearitas ................................................................... 69
Tabel 4.7 Hasil Uji Autokorelasi .......................................................................... 70
Tabel 4.8 Hasil Analisis Regresi Berganda .......................................................... 72
Tabel 4.9 Hasil Uji Koefisien Determinasi .......................................................... 75
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR GAMBAR
Gambar 2.1
Kerangka Pemikiran ...................................................................... 49
Gambar 4.1
Hasil Uji Heteroskedastisitas ........................................................... 71
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
LEMBAR PENGESAHAN
LEMBAR HAK CIPTA
PERNYATAAN KEASLIAN SKRIPSI
ABSTRAK
ABSTRACT
KATA PENGANTAR ......................................................................................... i
DAFTAR ISI
....................................................................................................... iv
DAFTAR TABEL ................................................................................................ viii
DAFTAR GAMBAR ........................................................................................... ix
BAB I PENDAHULUAN
1.1 Latar Belakang Masalah .................................................................... 1
1.2 Rumusan Masalah ............................................................................. 10
1.3 Tujuan Penelitian ............................................................................. 11
1.4 Kegunaan Penelitian ........................................................................ 11
BAB II KAJIAN PUSTAKA, KERANGKA PEMIKIRAN DAN HIPOTESIS
2.1 Kajian Pustaka ................................................................................. 14
2.1.1 Pengertian Kredit ................................................................. 14
2.1.1.1 Unsur-unsur Kredit ................................................ 15
2.1.1.2 Tujuan dan Fungsi Kredit ....................................... 19
2.1.1.3 Jenis-jenis Kredit ................................................... 20
2.1.1.4 Pertumbuhan Penyaluran Kredit .............................. 22
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
2.1.2 Faktor Internal Bank ............................................................ 23
2.1.3 Faktor Permodalan ............................................................... 25
2.1.4 Faktor Kolektibilitas
.......................................................... 28
2.1.5 Faktor Profitabilitas
............................................................ 31
2.1.5.1 Return On Asset (ROA) ......................................... 32
2.1.5.2 Net Interest Margin (NIM) ...................................... 32
2.1.5.3 Beban Operasional dan Pendapatan Operasional
(BOPO) ................................................................... 34
2.2 Hubungan Antar Variabel ............................................................... 35
2.2.1
Hubungan
Faktor
Permodalan
dengan
Pertumbuhan
Penyaluran Kredit .................................................................. 35
2.2.2
Hubungan
Faktor
Kolektibilitas
dengan
Pertumbuhan
Penyaluran Kredit .................................................................. 36
2.2.3 Hubungan
Faktor
Profitabilitas
dengan
Pertumbuhan
Penyaluran Kredit ................................................................. 37
2.2.3.1 Hubungan ROA dengan Pertumbuhan Penyaluran
Kredit ...................................................................... 37
2.2.3.2 Hubungan NIM dengan Pertumbuhan Penyaluran
Kredit ...................................................................... 38
2.2.3.3 Hubungan BOPO dengan Pertumbuhan Penyaluran
Kredit ...................................................................... 39
2.3 Penelitian Terdahulu ........................................................................ 39
2.4 Kerangka Pemikiran ........................................................................ 44
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
2.5 Hipotesis ......................................................................................... 49
BAB III OBJEK DAN METODOLOGI PENELITIAN
3.1 Objek Penelitian
............................................................................. 50
3.2 Metodologi Penelitian ...................................................................... 50
3.2.1 Jenis dan Metode Penelitian ................................................ 50
3.2.2 Definisi dan Operasionalisasi Variabel .................................. 51
3.2.3 Jenis dan Sumber Data
....................................................... 53
3.2.4 Populasi dan Sampel Penelitian ............................................. 54
3.2.5 Teknik Pengumpulan Data ................................................... 55
3.2.6 Teknik Analisis Data danUji Hipotesis
3.2.6.1 Uji Asumsi Klasik
............................. 55
................................................ 55
3.2.6.2 Analisis Regresi Berganda ....................................... 58
3.2.6.2 Uji Hipotesis .......................................................... 59
BAB IV HASIL DAN PEMBAHASAN
4.1 Gambaran Populasi dan Sampel ..................................................... 60
4.2 Hasil ................................................................................................ 61
4.2.1 Gambaran Faktor-faktor Internal Bank pada Bank Umum
Konvensional di Indonesia ..................................................... 61
4.2.2 Gambaran Pertumbuhan Penyaluran Kredit pada Bank
Umum Konvensional di Indonesia ......................................... 63
4.2.3 Statistik Deskriptif ................................................................. 65
4.2.4 Uji Asumsi Klasik .......................... ………………………… 67
4.2.4.1 Uji Normalitas ............................................................ 67
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
4.2.4.2 Uji Multikolinearitas .................................................. 68
4.2.4.3 Uji Autokorelasi ......................................................... 70
4.2.4.4 Uji Hesterokedastisitas ............................................... 71
4.2.5
Analisis Regresi Berganda ..................................................... 72
4.2.3
Uji Hipotesis .......................................................................... 74
4.3 Pembahasan ...................................................................................... 75
4.3.1 Pengaruh
Faktor
Permodalan
terhadap
Pertumbuhan
Penyaluran Kredit................................................................... 75
4.3.2 Pengaruh
Faktor
Kolektibilitas
terhadap
Pertumbuhan
Penyaluran Kredit................................................................... 76
4.3.3 Pengaruh
Faktor
Permodalan
terhadap
Pertumbuhan
Penyaluran Kredit................................................................... 77
BAB V SIMPULAN DAN SARAN
5.1 Simpulan ............................................................................................ 82
5.1 Saran ................................................................................................ 83
DAFTAR PUSTAKA
......................................................................................... 85
LAMPIRAN
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR TABEL
Tabel 1.1 Rata-rata Pertumbuhan Kredit dan Rasio ROA, CAR, NPL, NIM,
serta BOPO pada Bank Umum Konvensional di Indonesia ................. 7
Tabel 2.1 Tabel PenelitianTerdahulu
............................................................... 42
Tabel 3.1 Definisi Operasional Variabel ............................................................ 52
Tabel 4.1 Jumlah Populasi ................................................................................. 61
Tabel 4.2 Rasio CAR, NPL, ROA, NIM dan BOPO Bank Umum Konvensional
di Indonesia tahun 2011-2012 .............................................................. 61
Tabel 4.3 Pertumbuhan Penyaluran Kredit Bank Umum Konvensional di
Indonesia tahun 2011-2012 dan 2012-2013 ......................................... 63
Tabel 4.4 Statistik Deskriptif................................................................................ 65
Tabel 4.5 Hasil Uji Normalitas............................................................................. 68
Tabel 4.6 Hasil Uji Multikolinearitas ................................................................... 69
Tabel 4.7 Hasil Uji Autokorelasi .......................................................................... 70
Tabel 4.8 Hasil Analisis Regresi Berganda .......................................................... 72
Tabel 4.9 Hasil Uji Koefisien Determinasi .......................................................... 75
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
DAFTAR GAMBAR
Gambar 2.1
Kerangka Pemikiran ...................................................................... 49
Gambar 4.1
Hasil Uji Heteroskedastisitas ........................................................... 71
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu
Rina Sartika Utami, 2014
Pengaruh Faktor-Faktor Internal Bank Terhadap Pertumbuhan Penyaluran Kredit Perbankan
Universitas Pendidikan Indonesia | repository.upi.edu | perpustakaan.upi.edu