i 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).
ii 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).
