i ABSTRAK
FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK UMUM SWASTA NASIONAL DEVISA
DI INDONESIA
Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh Capital Adequacy Ratio, Non Performing Loan, Biaya Operasional terhadap Pendapatan Operasional, Net Interest Margin, dan Loan to Deposit Ratio terhadap profitabilitas pada Bank Umum Swasta Nasional Devisa di Indonesia. Variabel independen yang digunakan adalah Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), dan Loan to Deposit Ratio (LDR). Variabel dependen yang digunakan adalah profitabilitas (Return on Asset). Penelitian ini adalah penelitian asosiatif. Sampel pada penelitian ini adalah 16 Bank Umum Swasta Nasional Devisa di Indonesia yang telah go public dan terdaftar di Bursa Efek Indonesia periode 2010-2015. Metode analisis yang digunakan adalah metode statistik deskriptif dan metode regresi linier berganda data panel. Hasil penelitian menunjukan bahwa secara simultan, variabel Capital Adequacy Ratio, Non Performing Loan, Biaya Operasional terhadap Pendapatan Operasional, Net Interest Margin, dan Loan to Deposit Ratio berpengaruh positif dan signifikan terhadap profitabilitas (Return on Asset) sedangkan secara parsial, hanya variabel Biaya Operasional terhadap Pendapatan Operasional dan Net Interest Margin yang berpengaruh signifikan terhadap profitabilitas (Return on Asset).
Kata Kunci: Capital Adequacy Ratio, Non Performing Loan, Biaya Operasional terhadap Pendapatan Operasional, Net Interest Margin, Loan to Deposit Ratio, Profitabilitas (Return on Asset).
ii ABSTRACT
FACTORS AFFECTING PROFITABILITY OF FOREIGN EXCHANGE BANKS
IN INDONESIA
This study aims to identify and analyze the effect of Capital Adequacy Ratio, Non Performing Loan, Cost Operational to Operating Income, Net Interest Margin and Loan to Deposit Ratio to profitability of foreign exchange banks in Indonesia. Independent variables used in this study is Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Cost Operational to Operating Income (BOPO), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR). The dependent variable used is profitability (Return on Asset). This research is associative. The sample in this study was 16 foreign exchange banks listed in Indonesia Stock Exchange in period from 2010 until 2015. The analytical method used is descriptive statistical methods and multiple linear regression panel data.The results showed that simultaneously, Capital Adequacy Ratio, Non Performing Loan, Cost Operational to Operating Income, Net Interest Margin and Loan to Deposit Ratio have positive and significant impact on profitability (Return on Asset) and partially, (t test) only Cost Operational to Operating Income and Net Interest Marginhave positive and significant impact on profitability (Return on Asset).
Keywords: Capital Adequacy Ratio, Non Performing Loan, Cost Operational to Operating Income, Net Interest Margin, Loan to Deposit Ratio, Profitability (Return on Asset).
