BAB V KESIMPULAN DAN SARAN
5.2 Saran
Berdasarkan kesimpulan diatas saran yang diajukan peneliti adalah:
1. Bagi bank, tetap mempertahankan kinerja perusahaannya dengan menjalankan prinsip kerja Good Corporate Governance (GCG) serta manajemen risiko untuk meningkatkan kualitas nilai dari perusahaan perbankan tersebut. Menambahan Capital Adequacy Ratio (CAR) untuk menunjukkan kepada investor bahwa keadaan bank tersebut sehat dan tidak mengalami kegagalan dalam menghadapi berbagai macam risiko.
2. Bagi penelitian selanjutnya sebaiknya menambahkan variabel penelitian yang tidak hanya profitabilitas, ukuran keuangan ataupun kecukupan modal namun juga variabel lainnya yang dapat mempengaruhi nilai perusahaan perbankan.
Selain itu ada baiknya menggunakan periode atau rentang waktu penelitan yang lebih lama. menambah jumlah sampel, sehingga lebih diketahui faktor-faktor yang berpengaruh terhadap nilai perusahaan perbankan yang terdaftar di Bursa Efek Indonesia selama periode 2006-2009.
DAFTAR PUSTAKA
Indra Bastian dan Suhardjono. 2007. Akuntansi Perbankan, Jakarta. Penerbit Empat Salemba.
Peter Rose and Silvia hudgins. 2011. Bank Management and Financial Services, America, US. McGraw-Hill International Edition.
Dahlan Siamat. 2008. Manajemen Lembaga Keuangan. Edisi Keempat, Jakarta. Lembaga Penerbit FE Universitas Indonesia.
Soyuan Syafri. 2011. Teori Akuntansi, Jakarta. Rajawali Pers.
Kidwell, Blackwell, and Sias. 2012. Financial Institutions, Market, and Money, United States. John Wiley and Sons.
Keown, Titman, and Martin. 2010. Financial Management. United States. Pearson.
Brigham and Houston. 2013. Fundamental of Financial Management, United States.
Thomson Learning.
Kasmir. 2003. Dasar-Dasar Perbankan. Edisi kedua, Jakarta. RajaGrafindo Persada.
Wahyu Winarno. 2011. Analisis Ekonometrika dan Statistika dengan E-Views. Edisi Ketiga, Yogyakarta. UPP STIM YKPN.
Taswan. 2013. Akuntansi Perbankan. Edisi Ketiga, Yogyakarta. UPP STIM YKPN.
Hasnawati, Sri. 2005. Implikasi Keputusan Investasi, Pendanaan, dan Dividen Terhadap Nilai Perusahaan Publik di Bursa Efek Indonesia. Usahawan No 09. 2009.
Darminto. 2008. Pengaruh Faktor Eksernal dan Berbagai Keputusan Keuangan terhadap Nilai Perusahaan. Jurnal Akuntansi FIA Universitas Brawijaya Malang, 1693-5241.
Lihan dan Anas. 2010. Pengaruh Keputusan Investasi, Keputusan Pendanaan , dan Kebijakan Dividen Terhadap Nilai Perusahaan. SNA XIII Purwokerto.
Bambang Riyanto. 2005. Dasar – Dasar Pembelanjaan Perusahaan. Edisi IV, Cetakan Ketujuh. Yogyakarta. YBPFE UGM.
Gujarati dan Porter. 2009. Dasar-Dasar Ekonometrika. Jakarta : Salemba Empat
Shochrul R, Ajija, dkk. 2011. Cara cerdas menguasai EVIEWS. Jakarta : salemba empat Widarjono. Agus . 2007. Ekonometrika Teori dan Aplikasi untuk Ekonomi dan Bisnis.
Ekonisia. Yogyakarta
Christiawan dan Tarigan. 2007. Kepemilikan Manajerial: Kebijakan Hutang, kinerja, dan Nilai Perusahaan. Jurnal Akuntansi dan Keuangan FE Universitas Kristen Petra, No. 9 Vol. 1.
Suharli. 2006. Studi Empiris Mengenai Pengaruh Profitabilitas, Leverage, dan Harga Saham Terhadap Jumlah Dividen Tunai. Jurnal Akuntansi Universitas Katolik Atmajaya, Vol. 6 No. 2.
Myers. 2001. Capital Structure. The Journal of Economics Perspective, American Economics Association, Vol 15, No.2, pp 81-102.
http://www.bi.go.id/id/perbankan/implementasi-
basel/dokumentasi/Documents/12c8a8746c6a4f568787924d8457b883RiskBasedCapital DariBaselImenujuBaselII.pdf
http://www.bi.go.id/id/perbankan/implementasi-
basel/dokumentasi/Documents/8efa3ee8828a461091bba81c621b7413PenerapanBaselIIw ebversion1.pdf
Lampiran 1 DAFTAR SAMPEL PERUSAHAAN
SAMPEL
1 BANK ARTHA INTERNASIONAL 2 BANK BUMI ARTA
3 BANK CENTRAL ASIA 4 BANK CIMB NIAGA TBK 5 BANK DANAMON INDONESIA 6 BANK ICB BUMIPUTERA
7 BANK INTERNASIONAL INDONESIA 8 BANK MANDIRI
9 BANK MAYAPADA INTERNASIONAL
10 BANK MEGA TERBUKA 11 BANK NEGARA INDONESIA
12 BANK NUSANTARA PARAHYANGAN
13 BANK OCBC NISP 14 BANK OF TOKYO
15 BANK PAN INDONESIA 16 BANK PERMATA TBK 17 BANK QNB KESAWAN 18 BANK RAKYAT INDONESIA 19 BANK VICTORIA
Lampiran 2 NILAI PBV, ROA, SIZE dan CAR
No BANK TAHUN PBV ROA SIZE CAR
1 BARTH 2006 0,410 0,210 10,042 11,000
2007 2,180 0,290 10,051 12,000
2008 0,480 0,340 10,108 15,030
2009 0,680 0,440 10,188 13,870
2 BBA 2006 1,520 2,140 9,240 34,000
2007 1,620 2,070 9,289 41,000
2008 0,760 2,000 9,309 24,020
2009 0,690 1,470 9,380 28,680
3 BBCA 2006 2,910 2,910 11,247 22,090
2007 3,480 2,940 11,338 18,790
2008 2,750 3,140 11,389 15,000
2009 3,170 3,170 11,449 15,000
4 BCIMB 2006 1,440 1,840 10,667 17,000
2007 2,010 1,610 10,738 17,030
2008 2,320 0,660 11,011 15,590
2009 1,390 1,460 11,027 13,590
5 BDNM 2006 2,160 3,440 10,914 22,370
2007 3,390 3,710 10,950 20,570
2008 2,310 2,500 11,027 13,370
2009 2,400 2,400 10,990 17,550
6 BICB 2006 0,820 0,470 9,732 13,000
2007 1,070 0,330 9,801 12,000
2008 0,750 0,030 9,796 12,000
2009 1,020 0,070 9,844 11,000
7 BBII 2006 1,740 1,210 10,724 23,340
2007 1,600 1,070 10,740 20,190
2008 4,790 0,840 10,751 19,440
2009 3,710 0,770 10,783 14,710
8 BMNR 2006 1,370 1,780 11,422 25,300
2007 2,310 1,910 11,498 21,110
2008 1,800 2,250 11,547 15,720
2009 1,940 2,740 11,589 15,550
9 BMYP 2006 1,920 1,040 9,568 13,000
2007 1,910 0,910 9,650 29,000
2008 4,150 0,740 9,741 23,000
2009 3,970 0,540 9,882 17,000
2007 1,820 2,330 10,543 14,210
2008 1,360 1,980 10,542 16,160
2009 2,060 1,770 10,598 18,840
11 BBNI 2006 1,020 0,740 11,229 15,950
2007 2,180 0,810 11,262 17,650
2008 1,200 0,960 11,300 14,500
2009 1,380 1,510 11,354 13,900
12 BBNP 2006 0,380 1,440 9,525 16,640
2007 0,710 1,290 9,577 17,000
2008 1,410 1,170 9,568 14,040
2009 1,220 1,020 9,591 12,560
13 BNISP 2006 1,410 0,680 10,384 17,070
2007 1,550 0,860 10,462 16,150
2008 1,430 0,930 10,534 17,010
2009 0,980 1,180 10,569 18,000
14 BBOT 2006 1,200 2,950 8,986 34,000
2007 2,240 2,130 9,066 36,000
2008 1,480 1,140 9,133 36,000
2009 1,720 1,420 9,186 39,000
15 BPAN 2006 1,170 0,960 10,607 31,000
2007 1,830 1,230 10,727 23,000
2008 2,080 1,440 10,808 20,000
2009 1,500 1,540 10,891 21,000
16 BPMT 2006 1,400 1,200 10,577 13,500
2007 1,940 1,900 10,591 13,300
2008 1,570 1,700 10,730 10,800
2009 0,980 1,400 10,745 12,200
17 BKSW 2006 1,630 0,360 9,312 9,430
2007 1,700 0,350 9,338 10,360
2008 2,220 0,230 9,334 10,430
2009 1,990 0,300 9,370 12,560
18 BBRI 2006 3,150 2,910 11,187 18,820
2007 3,830 2,780 11,306 15,840
2008 2,980 2,330 11,388 13,180
2009 3,010 2,600 11,498 13,200
19 BVCT 2006 0,560 1,760 9,462 24,000
2007 0,930 1,640 9,721 19,000
2008 0,690 0,880 9,750 23,220
2009 0,720 1,100 9,866 16,920
Lampiran 3
HASIL OLAH DATA EVIEWS
STATISTIK DESKRIPTIF
PBV CAR ROA SIZE
Mean 1.810921 18.49039 1.463684 10.37536
Median 1.625000 16.78000 1.345000 10.55582
Maximum 4.790000 41.00000 3.710000 11.58900 Minimum 0.380000 9.430000 0.030000 8.986071 Std. Dev. 0.945052 7.024987 0.889564 0.765586 Skewness 0.940586 1.436426 0.513490 -0.147915 Kurtosis 3.651044 4.630731 2.489085 1.718469
Jarque-Bera 12.54844 34.55646 4.166452 5.477822 Probability 0.001884 0.000000 0.124528 0.064641
Sum 137.6300 1405.270 111.2400 788.5271
Sum Sq. Dev. 66.98424 3701.284 59.34937 43.95918
Observations 76 76 76 76
MULTIKOLINIERITAS
CAR ROA SIZE
CAR 1.000000 0.273188 -0.322509 ROA 0.273188 1.000000 0.429445 SIZE -0.322509 0.429445 1.000000
HETEROSKEDASTISITAS
Heteroskedasticity Test: White
F-statistic 1.262215 Prob. F(9,66) 0.2741
Obs*R-squared 11.16023 Prob. Chi-Square(9) 0.2649 Scaled explained SS 22.99275 Prob. Chi-Square(9) 0.0062
NORMALITAS
AUTOKOLINIERITAS
Breusch-Godfrey Serial Correlation LM Test:
F-statistic 6.907364 Prob. F(2,70) 0.0018
Obs*R-squared 12.52667 Prob. Chi-Square(2) 0.0219
UJI CHOW
Redundant Fixed Effects Tests Pool: Untitled
Test cross-section fixed effects
Effects Test Statistic d.f. Prob.
Cross-section F 4.743209 (18,54) 0.0000
Cross-section Chi-square 72.063495 18 0.0000
UJI HAUSMAN
Correlated Random Effects - Hausman Test Pool: POOL1
Test cross-section random effects
Test Summary
Chi-Sq.
Statistic Chi-Sq. d.f. Prob.
Cross-section random 2.344014 3 0.5041
0 1 2 3 4 5 6 7 8
-10 -5 0 5 10 15 20
Series: Residuals Sample 1 76 Observations 76 Mean 5.68e-15 Median -0.862662 Maximum 19.06665 Minimum -11.70244 Std. Dev. 6.451235 Skewness 0.668705 Kurtosis 3.187473 Jarque-Bera 5.775405 Probability 0.055704
RANDOM EFFECT MODEL
Cross-section random effects test equation:
Dependent Variable: PBV?
Method: Panel Least Squares Date: 10/23/15 Time: 00:25 Sample: 2006 2009
Included observations: 4 Cross-sections included: 19
Total pool (balanced) observations: 76
Variable Coefficient Std. Error t-Statistic Prob.
C 7.202433 10.61197 0.678708 0.5002
CAR? 0.002622 0.003494 0.023917 0.0064
ROA? 0.883478 0.993755 0.889030 0.0079
SIZE? 0.000638 0.025727 0.024802 0.0103
Effects Specification Cross-section fixed (dummy variables)
R-squared 0.690441 Mean dependent var 1.810921 Adjusted R-squared 0.570057 S.D. dependent var 0.945052 S.E. of regression 0.619671 Akaike info criterion 2.117942 Sum squared resid 20.73557 Schwarz criterion 2.792628 Log likelihood -58.48178 Hannan-Quinn criter. 2.387579 F-statistic 5.735321 Durbin-Watson stat 2.425556 Prob(F-statistic) 0.000000
CURRICULUM VITAE
Name : Nadia Samantha
Address : Jl. Maleo blok JC 7 no. 12 Bintaro Jaya Sektor 9, Tangerang Banten
Tel (mobile) : 0817151548 / 082110055920 Email : [email protected]
PERSONAL PARTICULARS
Date of Birth : Jakarta, 06 July 1990 Nationality : Indonesia
Gender : Female
Marital Status : Single
Height / Weight : 165cm / 55kg
ID : 3603244607900005
EDUCATION
Formal
Level : Bachelor
Year : 2008 - 2015
Location : Kemang - Jakarta, Indonesia
Name of Institution: STIE Indonesia Banking School (Economic - Accounting)
Level : Senior High School
Year : 2005 - 2008
Location : Jakarta, Indonesia
Name of Institution: 6 Senior High School, Jakarta (Social)
Level : Junior High School
Year : 2002 - 2005
Location : Tangerang, Banten
Name of Institution: Pembangunan Jaya Junior High School
Level : Elementary School
Year : 1996 - 2002
Location : Tangerang, Banten
Name of Institution: Pembangunan Jaya Elementary School
Level : Kindergarten
Year : 1994 - 1996
Location : Tangerang, Banten Name of Institution: Pembangunan Jaya
Informal
2002 – 2004 : English Course at LIA Bintaro 2005 – 2006 : Study Course at Primagama 2007 - 2008 : Study Course at BTA 70
2008 – 2009 : English Course at The British Institute
2009 : Training Service Excellent at STIE Indonesia Banking School cooperate with PT e-DEPRO Management Consultant 2010 : Training Customer Service and Selling Skill at STIE
Indonesia Banking School cooperate with PT e-DEPRO Management Consultant
2011 : Training Basic Treasury at STIE Indonesia Banking School cooperate with Bank Mandiri
2011 : Training Credit Analysis at STIE Indonesia Banking School cooporate with Bank Mandiri
2012 : Training Trade Finance at STIE Indonesia Banking School cooperate with Mata Air Management Consultant
COMPETENCIES
Skills
Skills Description Proficiency
Computer(Ms. Office) Good
Public Relation Good
Personal Strenghts : Quick learner and able to interact with all levels of people, Friendly, Confidence, and Good communication skill Language Proficiency
Languages Spoken Written
Bahasa Indonesia Excellent Excellent
English Great Great
Organizational Experiences
Member of “Pembangunan Jaya Junior High School” as a President of Paskibra
Member of “Vocal Group Pembangunan Jaya Junior High School”
Member of School Event “Galaxee Exigency Pembangunan Jaya Junior High School” as Stage Manager
Member of “Vocal Group 6 Senior High School” as Vice-President
Member of “Senate Indonesia Banking School” as Head Treasurer
Member of “Seminar Islamic Economic Study Club” as Research and Development
Member of “Best Student” as Treasurer
Member of “Fun Trip IBS” as Head of Transportation division
Member of “Pekan Orientasi Mahasiswa” as Usher