ABSTRAK
PENGARUH RISIKO KREDIT DAN EFISIENSI OPERASIONAL TERHADAP KINERJA PERUSAHAAN PERBANKAN DI
BURSA EFEK INDONESIA PERIODE 2011-2015
Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, dan Beban Operasional Terhadap Pendapatan Operasional terhadap Return on Assets pada perusahaan perbankan di Bursa Efek Indonesia periode tahun 2011-2015. Jenis data yang digunakan adalah data sekunder yang bersumber dari laporan keuangan perusahaan perbankan yang terdaftar di Bursa Efek Indonesia. Teknik analisis data menggunakan analisis statistik deskriptif dan analisis regresi linear berganda dengan metode Fixed Effects Model (FEM). Hasil penelitian menunjukkan bahwa secara simultan Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan dan Beban Operasional Terhadap Pendapatan Operasional berpengaruh signifikan terhadap Return on Assets. Secara parsial Non Performing Loan dan Beban Operasional Terhadap Pendapatan Operasional berpengaruh negatif signifikan terhadap Return on Assets, sedangkan Capital Adequacy Ratio dan Loan to Deposit Ratio berpengaruh tidak signifikan terhadap Return on Assets pada perusahaan perbankan di Bursa Efek Indonesia periode 2011-2015. Nilai koefisien determinasi menunjukkan bahwa sebesar 70,20% Return on Assets dapat dijelaskan oleh Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, dan Beban Operasional Terhadap Pendapatan Operasional, sedangkan sisanya sebesar 20,80% dijelaskan oleh variabel lain yang tidak diteliti pada penelitian ini.
Kata Kunci : Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, dan Beban Operasional Terhadap Pendapatan Operasional, dan Return on Assets
ABSTRACT
THE EFFECT OF CREDIT RISK AND OPERATIONAL EFICIENCY ON THE PERFORMANCE OF BANKING COMPANIES IN INDONESIAN
STOCK EXCHANGE PERIOD 2011-2015
The purpuse of this research is to identify and analyze the effect of Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, and Operational Expense on Operational Income on the Return on Assets at the banking companies in Indonesia Stock Exchange period 2011-2015. The data used is secondary data obtained from the company's financial statements banking companies listed on the Indonesia Stock Exchange. Data analyzed used descriptive statistical analysis and multiple linear regression analysis with Fixed Effects Model. The results showed that simultaneous Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, and Operational Expense on Operational Income have significant impact on the Return on Assets. Partially Non Performing Loan and Operational Expense on Operational Income have a significant negatif on the Return on Assets while Capital Adequacy Ratio and Loan to Deposit Ratio not significant effect on the Return on Assets at the banking companies in Indonesia Stock Exchange period period 2011-2015 The coefficient of determination equal to 70.20% Return on Assets explained by Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, and Operational Expense on Operational Income while the remaining 70.80% is explained by other variables not included in this research.
Keywords: Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, and Operational Expense on Operational Income, and Return on Assets
