Pengaruh Rasio CAMEL terhadap Pertumbuhan Laba Perbankan yang Go Public di Bursa Efek Indonesia Periode 2010-2013

ABSTRAK

PENGARUH RASIO CAMEL TERHADAP PERTUMBUHAN LABA
PERBANKAN YANG GO PUBLIC DI BURSA EFEK INDONESIA
PERIODE 2010-2013
Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh dari
rasio CAMEL yang terdiri dari Capital Adequacy Ratio (CAR), Non Performing
Loan (NPL), Net Profit Margin (NPM), Biaya Operasional terhadap Pendapatan
Operasional (BOPO), dan Loan to Deposit Ratio (LDR), terhadap pertumbuhan
laba perusahaan perbankan yang go public di Bursa Efek Indonesia periode 20102013. Penelitian ini menggunakan data sekunder yang diperoleh dari situs Bursa
Efek Indonesiawww.idx.comdan website masing-masing perbankan dengan
menggunakan sampel sebanyak 30 perusahaan perbankan yang go public dari 35
populasi perusahaan perbankan yang go public di Bursa Efek Indonesia periode
2010-2013. Variabel penelitian ini terdiri dari pertumbuhan laba sebagai variabel
terikat dan Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net
Profit Margin (NPM), Biaya Operasional terhadap Pendapatan Operasional
(BOPO), Loan to Deposit Ratio (LDR) sebagai variabel bebas. Penelitian ini
dianalisis dengan menggunakan analisis regresi linier berganda dengan α=5%.
Hasil penelitian ini menunjukkan bahwa Capital Adequacy Ratio(CAR), Non
Performing Loan (NPL), Net Profit Margin(NPM), Biaya Operasional terhadap
Pendapatan Operasional (BOPO), dan Loan to Deposit Ratio (LDR) secara

serempak berpengaruh signifikan terhadap Pertumbuhan Laba Perbankan Go
Public di Bursa Efek Indonesia selama periode 2010-2013. Hasil uji parsial
menunjukkan bahwa Capital Adequacy Ratio (CAR), Non Performing Loan
(NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Loan to
Deposit Ratio(LDR) berpengaruh positif tidak signifikan terhadap Pertumbuhan
Laba Perbankan Go Public di Bursa Efek Indonesia. Sedangkan Net Profit
Margin(NPM) berpengaruh negatif dan signifikan terhadap Pertumbuhan Laba
Perbankan Go Public di Bursa Efek Indonesia.

Kata Kunci : Pertumbuhan Laba, CAR, NPL, NPM, BOPO, LDR

2
Universitas Sumatera Utara

ABSTRACT

THE EFFECT OF CAMELMETHOD OF PROFIT GROWTH IN
BANKING COMPANIES GO PUBLIC LISTED ON
STOCK EXCHANGE OF INDONESIA
IN 2010-2013

This study aims to identify and analyze the influence of the ratio of
CAMEL consisting of Capital Adequacy Ratio (CAR), Non Performing Loan
(NPL), Net Profit Margin (NPM), Operating Expenses to Operating Income
(ROA), and Loan to Deposit Ratio ( LDR), to the profit growth of banking
companies that go public in Indonesia Stock Exchange 2010-2013. This study
used secondary data obtained from the Indonesia Stock Exchange www.idx.com
website and the website of each bank by using a sample of 30 banking companies
that went public from 35 populations banking companies go public in Indonesia
Stock Exchange 2010-2013. The variables of this study consists of earnings
growth as the dependent variable and the Capital Adequacy Ratio (CAR), Non
Performing Loan (NPL), Net Profit Margin (NPM), Operating Expenses to
Operating Income (ROA), Loan to Deposit Ratio (LDR) as a variable free. This
research was analyzed using multiple linear regression analysis with α = 5%. The
results showed that the Capital Adequacy Ratio (CAR), Non Performing Loan
(NPL), Net Profit Margin (NPM), Operating Expenses to Operating Income
(ROA), and Loan to Deposit Ratio (LDR) simultaneously significant effect on
Profit Growth Banking Go Public in Indonesia Stock Exchange during the period
2010-2013. Partial assay results indicate that the Capital Adequacy Ratio (CAR),
Non Performing Loan (NPL), Operating Expenses to Operating Income (ROA),
and Loan to Deposit Ratio (LDR) positive effect is not significant to Income

Growth Banking Go Public in Indonesia Stock Exchange , While the Net Profit
Margin (NPM) and a significant negative effect on the Income Growth Banking
Go Public in Indonesia Stock Exchange.
Keywords: Income Growth, CAR, NPL, NPM, ROA, LDR

3
Universitas Sumatera Utara