2 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 2010-2013. 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
3 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
