Pengaruh Kompensasi dan Konflik Kerja Terhadap Kinerja Karyawan Hotel Grand Orri Berastagi (Kabupaten Karo)

ABSTRAK

Pengaruh Kesehatan Bank Terhadap Profitabilitas Perbankan yang Terdaftar di
BEI Periode 2010-2014
Operasionalisasi variabel yang digunakan dalam penelitian ini adalah
variabel bebas yaitu Capital Adequacy Ratio (CAR), Non Performing Loan
(NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), dan Biaya
Operasional terhadap Pendapatan Operasional (BOPO). Sedangkan variabel
terikat yaitu Profitabilitas (ROA). Populasi yang digunakan dalam penelitian ini
adalah seluruh Perbankan yang terdaftar di Bursa Efek Indonesia (BEI) periode
2010-2014. Diperoleh jumlah populasi sebanyak 31 bank. Teknik analisis yang
digunakan adalah regresi linier berganda dan uji hipotesis menggunakan t-statistik
untuk menguji koefisien regresi parsial serta F-statistik untuk menguji pengaruh
secara bersama-sama. Selain itu juga dilakukan uji asumsi klasik yang meliputi uji
normalitas, uji multikolinearitas, uji heteroskedastisitas dan uji autokorelasi.
Hasil uji secara parsial menunjukkan bahwa variabel Capital Adequacy
Ratio (CAR) berpengaruh secara negatif dan tidak signifikan terhadap
Profitabilitas (ROA), variabel Non Performing Loan (NPL) berpengaruh negatif
dan tidak signifikan terhadap Profitabilitas (ROA), variabel Net Interest Margin
(NIM) berpengaruh secara positif dan signifikan terhadap Profitabilitas (ROA),
variabel Loan to Deposit Ratio (LDR) berpengaruh secara negatif dan signifikan

terhadap Profitabilitas (ROA) dan Biaya Operasional terhadap Pendapatan
Operasional (BOPO) berpengaruh secara positif dan signifikan terhadap
Profitabilitas (ROA) Perbankan yang terdaftar di Bursa Efek Indonesia periode
2010-2014. Seluruh variabel bebas secara simultan mempengaruhi variabel ROA
sebesar 17,1%, sisanya sebesar 82,9% dipengaruhi oleh faktor-faktor lain.
Kata Kunci: Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net
Interest Margin (NIM), Loan to Deposit Ratio (LDR), Biaya
Operasional dan Pendapatan Operasional (BOPO) dan Profitabilitas
(ROA).

i
Universitas Sumatera Utara

ABSTRACT

The effect of Bank Health to Profitability in the Banking Companies that listed on
the BEI Period 2010 to 2014.
Operationalitation of variables which was used in this research was
independent variables are Capital Adequacy Ratio (CAR), Non Performing Loan
(NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), and Operational

Cost Ratio to Operational Income (BOPO). While the dependent variable is
Profitability (ROA). Population which was used in this research was all Banking
companies that listed on the BEI period 2010 to 2014. Total population of 31
banks. Data analysis with multilinier regression of ordinary least square and
hypotheses test used t-statistic and Fstatistic, a classic assumption examination
which consist of data normality test, multicolinierity test, heteroscedasticity test
and autocorrelation test is also being done to test the hypotheses.
Partial test results showed that variable of Capital Adequacy Ratio (CAR)
has negative and no significant to the Profitability, Non Performing Loan (NPL)
has negative and no significant to the Profitability, Net Interest Margin (NIM) has
positive and significant to the Profitability, Loan to Deposit Ratio (LDR) has
negative and significant to the Profitability and Operational Cost Ratio to
Operational Income (BOPO) has positive and significant to the Profitability
Banking companies that listed on the BEI period 2010 to 2014. All independent
variables simultaneously affect the variable ROA 17,1 %, however the 82,9% is
influenced by the other factors.
Key words: Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net
Interest Margin (NIM),
Loan to Deposit Ratio (LDR),
Operational Cost Ratio to Operational Income (BOPO) and

Profitability (ROA).

ii
Universitas Sumatera Utara