Analisis Risk Profile, Earnings, dan Capital Terhadap Pertumbuhan Laba Pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2010-2015

ABSTRAK

ANALISIS RISK PROFILE, EARNINGS, DAN CAPITAL TERHADAP
PERTUMBUHAN LABA PADA PERUSAHAAN PERBANKAN
YANG TERDAFTAR DI BURSA EFEK INDONESIA
PERIODE 2010-2015
Penelitian ini bertujuan untuk menganalisis pengaruh Non Performing
Loan(NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Net Interest
Margin (NIM), dan Capital Adequacy Ratio (CAR)terhadap pertumbuhan laba
perusahaan perbankan yang terdaftar di Bursa Efek Indonesia periode 2010-2015.
Penelitian ini menggunakan data sekunder yang diperoleh dari situs Bursa Efek
Indonesia www.idx.co.id dengan menggunakan sampel sebanyak 24 perusahaan
perbankan dari 41 perusahaan perbankan yang terdaftar di Bursa Efek Indonesia.
Teknik analisis yang digunakan adalah regresi data panel. Berdasarkan hasil
penelitian menunjukkan secara simultan seluruh variabel bebas yaitu Non Performing
Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Net Interest
Margin (NIM), dan Capital Adequacy Ratio (CAR) berpengaruh signifikan terhadap
pertumbuhan laba. Secara parsial, Non Performing Loan (NPL) dan Return on Assets
(ROA) berpengaruh positif dan signifikan terhadap pertumbuhan laba. Capital
Adequacy Ratio (CAR) berpengaruh negatif dan signifikan terhadap pertumbuhan
laba. Loan to Deposit Ratio (LDR) berpengaruh negatif dan tidak signifikan, dan Net

Interest Margin (NIM) berpengaruh positif dan tidak signifikan terhadap
pertumbuhan laba perusahaan perbankan yang terdaftar di Bursa Efek Indonesia.
Kata kunci: Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on
Assets (ROA), Net Interest Margin (NIM), Capital Adequacy Ratio
(CAR), Pertumbuhan laba

Universitas Sumatera Utara

ABSTRACT

ANALYSIS OF RISK PROFILE , EARNINGS , AND CAPITAL OF
PROFIT GROWTH IN BANKING LISTED IN
INDONESIA STOCK EXCHANGE
PERIOD 2010-2015

This study aimed to analyze the effect of Non Performing Loan (NPL), Loan to
Deposit Ratio (LDR), Return on Assets (ROA), Net Interest Margin (NIM), and
Capital Adequacy Ratio (CAR) of the profit growth banking companies listed in
Indonesia Stock Exchange 2010-2015 period. This study uses secondary data
obtained from the Indonesia Stock Exchange www.idx.co.id sites by using a sample

of 24 banking companies of 41 banking companies listed in Indonesia Stock
Exchange. The analysis technique used is by using a panel data regression. According
to the research shows simultaneously throughout the independent variables are Non
Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Net
Interest Margin (NIM), and Capital Adequacy Ratio (CAR) significant effect on
profit growth. For partial effect, Non Performing Loan (NPL) and Return on Assets
(ROA) positive and significant effect on profit growth. Capital Adequacy Ratio
(CAR) a significant negative effect on the profit growth. Loan to Deposit Ratio
(LDR) negative and not significant, and Net Interest Margin (NIM) and no significant
positive effect on the profit growth banking companies listed in Indonesia Stock
Exchange.
Keywords: Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on
Assets (ROA), Net Interest Margin (NIM), Capital Adequacy Ratio
(CAR), Profit growth

Universitas Sumatera Utara