PENGARUH RASIO KECUKUPAN MODAL, RESIKO KREDIT, DAN LIKUIDITAS TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2007-2014

YULI FADRIYANINGSIH, 1321011059 (2015) PENGARUH RASIO KECUKUPAN MODAL, RESIKO KREDIT, DAN LIKUIDITAS TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2007-2014. Masters thesis, UNIVERSITAS LASMPUNG.

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Abstrak

ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh rasio kemampuan modal, risiko kredit dan likuiditas terhadap profitabilitas perbankan BUMN di Bursa Efek Indonesia (BEI). Jenis penelitian yang digunakan adalah purposive sampling dengan kriteria bank BUMN di Indonesia yang menyajikan laporan keuangan periode 2007 sampai dengan 2014. Data diperoleh berdasarkan publikasi Direktori Perbankan Indonesia periode tahun 2007 sampai dengan tahun 2014. Diperoleh jumlah sampel sebanyak 4 perusahaan bank BUMN di Indonesia periode 2007 2014. Teknik analisis yang digunakan adalah regresi berganda dengan persamaan kuadrat terkecil dan uji hipotesis menggunakan t-statistik untuk menguji koefisien regresi parsial serta f-statistik untuk menguji kebenaran pengaruh secara bersama-sama dengan level of significance 5%. Selain itu juga dilakukan uji asumsi klasik yang meliputi uji normalitas, uji multikolinieritas, uji heteroskedastisitas dan uji auto korelasi. Selama periode pengamatan menunjukkan bahwa data penelitian berdistribusi normal. Berdasarkan uji multikolinieritas, uji heteroskedastisitas dan uji auto korelasi tidak ditemukan variabel yang menyimpang dari asumsi klasik, hal ini menunjukkan bahwa data yang tersedia telah memenuhi syarat untuk menggunakan model persamaan regresi linier berganda. Hasil analisis menunjukkan bahwa data CAR, NPL dan LDR secara parsial signifikan terhadap ROA bank BUMN pada level of signifikan kurang dari 5%. Hasil pengujian R Square menghasilkan dari nilai koefisien determinasi (R2= 0,716 atau 71.6%) yang artinya variabel bebas (Capital Adequacy Ratio, Non Performing Loan dan Loan Deposit Ratio) sebesar71.6% pengaruhnya terhadap variabel terikat (Return on Assets pada perusahaan perbankan BUMN di BEI). Hal ini berarti terdapat perbedaan pengaruh yang signifikan dari pengaruh 3 variabel bebas tersebut terhadap ROA pada perusahaan perbankan BUMN. Kata Kunci: Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan Deposit Ratio (LDR) dan Return on Asset (ROA) ABSTRACT This research aims to test the ability of the influence of the ratio of capital credit risk and liquidity against the state banks profitability in the indonesia stock exchange The kind of research that is used is purposive the sampling method of criteria of state-owned banks in Indonesia who presents the financial report of the period 2007 to 2014 . Data is collected based on the publication of a directory indonesian banks a period of the year 2007 to 2014 . Obtained the number of samples from 4 companies of state-owned banks in Indonesia 2014 the period of 2007 to 2014. Analysis technique used is regression double with quadratic equations the smallest and test the hypothesis of using t-statistik to test the regression coefficient partial and f-statistik to test of validity impact jointly with the level of significance 5 percent. In addition also undergone a classic assuming that includes a test of normality , multikolinieritas test, test and test heteroskedastisitas auto correlation. During the period of observation shows that data research is normally to distribution. Based on test multikolinieritas, test heteroskedastisitas auto test and found no correlation variables that deviates from the assumption of the classics, this shows that the available data has been qualified to use the model linear regression double equation. The analysis shows that the car, non-performing loans and loan to deposit ratio in partial significant against return on assets state banks at the level of significant less than 5 percent. The results of testing r square produce of the value of the coefficients determined ( r2 = 0,716 or 71.6 % ) which means of variable free ( capital adequacy ratio, non performing loan and loan deposit ratio ) about 71.6 % their influence on variable bound ( return on assets in companies in state banks). This means that there is a difference significant influence of the influence of 3 free variables against return on assets the company in state banks. Keyword: capital adequacy ratio, non performing loan, loan deposit ratio and return on assets.

Tipe Karya Ilmiah: Tesis (Masters)
Subyek: H Ilmu Sosial = Social Sciences > HB Economic Theory
H Ilmu Sosial = Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Program Studi: Fakultas Ekonomi dan Bisnis > Magister Manajemen S2
Depositing User: 4878051 . Digilib
Date Deposited: 27 Aug 2015 02:36
Last Modified: 27 Aug 2015 02:36
URI: http://digilib.unila.ac.id/id/eprint/12334

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