S PEA 1103722 Table of content
DAFTAR ISI
ABSTRAK .............................................................................................................. i
ABSTRACT ............................................................................................................ ii
KATA PENGANTAR .......................................................................................... iii
UCAPAN TERIMA KASIH ............................................................................... iv
DAFTAR ISI .......................................................................................................vii
DAFTAR TABEL ................................................................................................ .x
DAFTAR GAMBAR ............................................................................................ xi
BAB I PENDAHULUAN
A. Latar Belakang Penelitian ......................................................................... 1
B. Identifikasi Masalah Penelitian ................................................................. 5
C. Rumusan Masalah Penelitian .................................................................. 10
D. Maksud dan Tujuan Penelitian ............................................................... 10
E. Manfaat Penelitian.................................................................................. 11
BAB II LANDASAN TEORI
A. Teori yang Relevan ................................................................................. 12
1. Pengertian Bank .................................................................................. 12
2. Jenis-jenis Bank .................................................................................. 13
3. Fungsi Bank ........................................................................................ 14
4. Penilaian Kesehatan Bank................................................................... 15
5. Profitabilitas ........................................................................................ 17
a. Pengertian Profitabilitas ................................................................. 17
b. Tujuan dan Manfaat Rasio Profitabilitas........................................ 18
c. Jenis-jenis Rasio Profitabilitas ....................................................... 19
6. Efisiensi Operasional .......................................................................... 21
a. Pengertian Efisiensi Operasional .................................................... 21
Desty Karlina Wulandari, 2015
PENGARUH EFISIENSI OPERASIONAL, KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP
PROFITABILITAS PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA TAHUN 2012-2013
Universitas Pendidikan Indonesia | \.upi.edu perpustakaan.upi.edu
b. Biaya Operasional Pendapatan Operasional (BOPO) .................... 22
7. Kecukupan Modal ............................................................................... 24
a. Pengertian Kecukupan Modal ........................................................ 24
b. Capital Adequacy Ratio (CAR)...................................................... 25
8. Likuiditas ............................................................................................ 28
a. Pengertian Likuiditas ...................................................................... 28
b. Loan to Deposit Ratio (LDR) ......................................................... 28
B. Hasil Penelitian Terdahulu ...................................................................... 30
C. Kerangka Pemikiran ................................................................................ 33
D. Hipotesis Penelitian ................................................................................ 38
BAB III METODE PENELITIAN
A. Desain Penelitian .................................................................................... 39
B. Operasionalisasi Variabel ....................................................................... 39
C. Populasi dan Sampel ............................................................................... 41
D. Teknik Pengumpulan Data...................................................................... 44
E. Analisis Data dan Pengujian Hipotesis ................................................... 44
BAB IV HASIL PENELITIAN DAN PEMBAHASAN
A. Gambaran Obyek Penelitian ................................................................... 51
B. Deskripsi Hasil Penelitian ....................................................................... 65
1. Deskripsi Efisiensi Operasional .......................................................... 65
2. Deskripsi Kecukupan Modal............................................................... 69
3. Deskripsi Likuiditas ............................................................................ 73
4. Deskripsi Profitabilitas........................................................................ 77
C. Analisis Data dan Pengujian Hipotesis Penelitian .................................. 81
1. Statistik Deskriptif .............................................................................. 81
2. Uji Asumsi Klasik ............................................................................... 82
Desty Karlina Wulandari, 2015
PENGARUH EFISIENSI OPERASIONAL, KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP
PROFITABILITAS PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA TAHUN 2012-2013
Universitas Pendidikan Indonesia | \.upi.edu perpustakaan.upi.edu
a. Uji Linearitas ................................................................................. 82
b. Uji Multikolinearitas ..................................................................... 83
c. Uji Heteroskedastisitas .................................................................. 84
d. Uji Autokorelasi ............................................................................ 85
3. Pengujian Hipotesis Penelitian ........................................................... 86
a. Analisis Regresi Linear Berganda ................................................. 86
b. Uji Keberartian Regresi (Uji F) ..................................................... 89
c. Uji Keberartian Koefisan Regresi (Uji t)....................................... 90
D. Pembahasan Hasil Penelitian .................................................................. 92
BAB V SIMPULAN DAN SARAN
A. Simpulan ................................................................................................. 99
B. Saran......................................................................................................100
DAFTAR PUSTAKA ........................................................................................102
LAMPIRAN-LAMPIRAN
1. Tabulasi Data Penelitian
2. Pengujian analisis data dan pengujian hipotesis
3. Tabel Durbin Watson
4. Tabel Distribusi F
5. Tabel Student t
6. Frekuensi Bimbingan
7. Surat Keterangan Pembimbing Skripsi
8. Daftar Riwayat Hidup
Desty Karlina Wulandari, 2015
PENGARUH EFISIENSI OPERASIONAL, KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP
PROFITABILITAS PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA TAHUN 2012-2013
Universitas Pendidikan Indonesia | \.upi.edu perpustakaan.upi.edu
DAFTAR TABEL
Tabel 1.1 Data rasio profitabilitas bank umum di BEI tahun 2012-2013 ............. 3
Tabel 2.1 Klasifikasi tingkat ROA menurut BI .................................................. 20
Tabel 2.2 Klasifikasi tingkat BOPO menurut BI ................................................ 23
Tabel 2.3 Klasifikasi tingkat CAR menurut BI................................................... 27
Tabel 3.1 Operasionalisasi Variabel ................................................................... 41
Tabel 3.2 Daftar Nama Bank Populasi Penelitian ............................................... 42
Tabel 3.3 Daftar Nama Bank Sampel Penelitian ................................................ 43
Tabel 4.1 Data Efisiensi Operasional (BOPO) Bank Umum di BEI tahun
2012-2013........................................................................................... 66
Tabel 4.2 Data Kecukupan Modal (CAR) Bank Umum di BEI tahun 20122013 .................................................................................................... 70
Tabel 4.3 Data Likuiditas (LDR) Bank Umum di BEI tahun 2012-2013 ........... 73
Tabel 4.4 Data Profitabilitas (ROA) Bank Umum di BEI tahun 2012-2013 ...... 77
Tabel 4.5 Hasil Analisis Deskriptif Data ............................................................ 81
Tabel 4.6 Hasil Pengujian Linearitas (Durbin Watson) ...................................... 83
Tabel 4.7 Hasil Pengujian Multikolinearitas ....................................................... 84
Tabel 4.8 Hasil Pengujian Autokorelasi (Durbin Watson) ................................. 86
Tabel 4.9 Hasil Pengujian Regresi Linear Berganda .......................................... 87
Tabel 4.10 Hasil Perhitungan Prediksi Berdasarkan Persamaan Linear ............... 89
Tabel 4.11 Hasil Uji Keberartian Regresi (Uji F) dengan ANOVA ..................... 90
Tabel 4.12 Hasil Uji Keberartian Koefisien Regresi (Uji t).................................. 91
Desty Karlina Wulandari, 2015
PENGARUH EFISIENSI OPERASIONAL, KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP
PROFITABILITAS PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA TAHUN 2012-2013
Universitas Pendidikan Indonesia | \.upi.edu perpustakaan.upi.edu
Tabel 4.13 Perbandingan t hiung dan t tabel ......................................................... 92
DAFTAR GAMBAR
Gambar 2.1 Hubungan Variabel .......................................................................... 38
Gambar 4.1 Grafik Efisiensi Operasional (BOPO) Bank Umum di BEI tahun
2012-2013 ........................................................................................ 67
Gambar 4.2 Grafik Kecukupan Modal (CAR) Bank Umum di BEI tahun
2012-2013 .........................................................................................71
Gambar 4.3 Grafik Likuiditas (LDR) Bank Umum di BEI tahun 20122013 ................................................................................................. 75
Gambar 4.3 Grafik Profitabilitas (ROA) Bank Umum di BEI tahun 20122013 ................................................................................................. 79
Gambar 4.6 Grafik Scatterplot Regresi Pengujian Heteroskedastisitas ............... 85
Desty Karlina Wulandari, 2015
PENGARUH EFISIENSI OPERASIONAL, KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP
PROFITABILITAS PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA TAHUN 2012-2013
Universitas Pendidikan Indonesia | \.upi.edu perpustakaan.upi.edu
ABSTRAK .............................................................................................................. i
ABSTRACT ............................................................................................................ ii
KATA PENGANTAR .......................................................................................... iii
UCAPAN TERIMA KASIH ............................................................................... iv
DAFTAR ISI .......................................................................................................vii
DAFTAR TABEL ................................................................................................ .x
DAFTAR GAMBAR ............................................................................................ xi
BAB I PENDAHULUAN
A. Latar Belakang Penelitian ......................................................................... 1
B. Identifikasi Masalah Penelitian ................................................................. 5
C. Rumusan Masalah Penelitian .................................................................. 10
D. Maksud dan Tujuan Penelitian ............................................................... 10
E. Manfaat Penelitian.................................................................................. 11
BAB II LANDASAN TEORI
A. Teori yang Relevan ................................................................................. 12
1. Pengertian Bank .................................................................................. 12
2. Jenis-jenis Bank .................................................................................. 13
3. Fungsi Bank ........................................................................................ 14
4. Penilaian Kesehatan Bank................................................................... 15
5. Profitabilitas ........................................................................................ 17
a. Pengertian Profitabilitas ................................................................. 17
b. Tujuan dan Manfaat Rasio Profitabilitas........................................ 18
c. Jenis-jenis Rasio Profitabilitas ....................................................... 19
6. Efisiensi Operasional .......................................................................... 21
a. Pengertian Efisiensi Operasional .................................................... 21
Desty Karlina Wulandari, 2015
PENGARUH EFISIENSI OPERASIONAL, KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP
PROFITABILITAS PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA TAHUN 2012-2013
Universitas Pendidikan Indonesia | \.upi.edu perpustakaan.upi.edu
b. Biaya Operasional Pendapatan Operasional (BOPO) .................... 22
7. Kecukupan Modal ............................................................................... 24
a. Pengertian Kecukupan Modal ........................................................ 24
b. Capital Adequacy Ratio (CAR)...................................................... 25
8. Likuiditas ............................................................................................ 28
a. Pengertian Likuiditas ...................................................................... 28
b. Loan to Deposit Ratio (LDR) ......................................................... 28
B. Hasil Penelitian Terdahulu ...................................................................... 30
C. Kerangka Pemikiran ................................................................................ 33
D. Hipotesis Penelitian ................................................................................ 38
BAB III METODE PENELITIAN
A. Desain Penelitian .................................................................................... 39
B. Operasionalisasi Variabel ....................................................................... 39
C. Populasi dan Sampel ............................................................................... 41
D. Teknik Pengumpulan Data...................................................................... 44
E. Analisis Data dan Pengujian Hipotesis ................................................... 44
BAB IV HASIL PENELITIAN DAN PEMBAHASAN
A. Gambaran Obyek Penelitian ................................................................... 51
B. Deskripsi Hasil Penelitian ....................................................................... 65
1. Deskripsi Efisiensi Operasional .......................................................... 65
2. Deskripsi Kecukupan Modal............................................................... 69
3. Deskripsi Likuiditas ............................................................................ 73
4. Deskripsi Profitabilitas........................................................................ 77
C. Analisis Data dan Pengujian Hipotesis Penelitian .................................. 81
1. Statistik Deskriptif .............................................................................. 81
2. Uji Asumsi Klasik ............................................................................... 82
Desty Karlina Wulandari, 2015
PENGARUH EFISIENSI OPERASIONAL, KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP
PROFITABILITAS PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA TAHUN 2012-2013
Universitas Pendidikan Indonesia | \.upi.edu perpustakaan.upi.edu
a. Uji Linearitas ................................................................................. 82
b. Uji Multikolinearitas ..................................................................... 83
c. Uji Heteroskedastisitas .................................................................. 84
d. Uji Autokorelasi ............................................................................ 85
3. Pengujian Hipotesis Penelitian ........................................................... 86
a. Analisis Regresi Linear Berganda ................................................. 86
b. Uji Keberartian Regresi (Uji F) ..................................................... 89
c. Uji Keberartian Koefisan Regresi (Uji t)....................................... 90
D. Pembahasan Hasil Penelitian .................................................................. 92
BAB V SIMPULAN DAN SARAN
A. Simpulan ................................................................................................. 99
B. Saran......................................................................................................100
DAFTAR PUSTAKA ........................................................................................102
LAMPIRAN-LAMPIRAN
1. Tabulasi Data Penelitian
2. Pengujian analisis data dan pengujian hipotesis
3. Tabel Durbin Watson
4. Tabel Distribusi F
5. Tabel Student t
6. Frekuensi Bimbingan
7. Surat Keterangan Pembimbing Skripsi
8. Daftar Riwayat Hidup
Desty Karlina Wulandari, 2015
PENGARUH EFISIENSI OPERASIONAL, KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP
PROFITABILITAS PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA TAHUN 2012-2013
Universitas Pendidikan Indonesia | \.upi.edu perpustakaan.upi.edu
DAFTAR TABEL
Tabel 1.1 Data rasio profitabilitas bank umum di BEI tahun 2012-2013 ............. 3
Tabel 2.1 Klasifikasi tingkat ROA menurut BI .................................................. 20
Tabel 2.2 Klasifikasi tingkat BOPO menurut BI ................................................ 23
Tabel 2.3 Klasifikasi tingkat CAR menurut BI................................................... 27
Tabel 3.1 Operasionalisasi Variabel ................................................................... 41
Tabel 3.2 Daftar Nama Bank Populasi Penelitian ............................................... 42
Tabel 3.3 Daftar Nama Bank Sampel Penelitian ................................................ 43
Tabel 4.1 Data Efisiensi Operasional (BOPO) Bank Umum di BEI tahun
2012-2013........................................................................................... 66
Tabel 4.2 Data Kecukupan Modal (CAR) Bank Umum di BEI tahun 20122013 .................................................................................................... 70
Tabel 4.3 Data Likuiditas (LDR) Bank Umum di BEI tahun 2012-2013 ........... 73
Tabel 4.4 Data Profitabilitas (ROA) Bank Umum di BEI tahun 2012-2013 ...... 77
Tabel 4.5 Hasil Analisis Deskriptif Data ............................................................ 81
Tabel 4.6 Hasil Pengujian Linearitas (Durbin Watson) ...................................... 83
Tabel 4.7 Hasil Pengujian Multikolinearitas ....................................................... 84
Tabel 4.8 Hasil Pengujian Autokorelasi (Durbin Watson) ................................. 86
Tabel 4.9 Hasil Pengujian Regresi Linear Berganda .......................................... 87
Tabel 4.10 Hasil Perhitungan Prediksi Berdasarkan Persamaan Linear ............... 89
Tabel 4.11 Hasil Uji Keberartian Regresi (Uji F) dengan ANOVA ..................... 90
Tabel 4.12 Hasil Uji Keberartian Koefisien Regresi (Uji t).................................. 91
Desty Karlina Wulandari, 2015
PENGARUH EFISIENSI OPERASIONAL, KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP
PROFITABILITAS PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA TAHUN 2012-2013
Universitas Pendidikan Indonesia | \.upi.edu perpustakaan.upi.edu
Tabel 4.13 Perbandingan t hiung dan t tabel ......................................................... 92
DAFTAR GAMBAR
Gambar 2.1 Hubungan Variabel .......................................................................... 38
Gambar 4.1 Grafik Efisiensi Operasional (BOPO) Bank Umum di BEI tahun
2012-2013 ........................................................................................ 67
Gambar 4.2 Grafik Kecukupan Modal (CAR) Bank Umum di BEI tahun
2012-2013 .........................................................................................71
Gambar 4.3 Grafik Likuiditas (LDR) Bank Umum di BEI tahun 20122013 ................................................................................................. 75
Gambar 4.3 Grafik Profitabilitas (ROA) Bank Umum di BEI tahun 20122013 ................................................................................................. 79
Gambar 4.6 Grafik Scatterplot Regresi Pengujian Heteroskedastisitas ............... 85
Desty Karlina Wulandari, 2015
PENGARUH EFISIENSI OPERASIONAL, KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP
PROFITABILITAS PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA TAHUN 2012-2013
Universitas Pendidikan Indonesia | \.upi.edu perpustakaan.upi.edu